29 ARTICLES
David Treahearn writes about ISAs, long-term investing and building tax-free wealth in the UK, and is the author of The ISA Millionaire: The Way In, a jargon-free guide to investing through a Stocks and Shares ISA. He spent his early career as a recording engineer, working at studios including Abbey Road and Olympic Studios alongside producers such as Mark 'Spike' Stent, and played in The Slips, signed to EMI. He went on to build a second career in business, rising from project manager to Chief Operating Officer over a decade in the corporate world, where watching how much of his income disappeared to tax before he ever saw it turned him towards the ISA. With no financial background he taught himself to invest, buying his first share in 2014 and investing seriously from 2017. He writes as a private investor rather than a regulated adviser, and everything here is educational information, not financial advice.
Holding lots of things is not the same as being diversified. What actually spreads risk, the home-bias trap, and where diversification stops.
Reinvested dividends do a large share of the work, and it is easy to overlook. How the compounding actually happens, and why an ISA lets you keep all of it.
Most people invest in the wrong order, and it costs them more than they realise. Here is the sequence I follow, and why each step earns its place.
The consultation to replace the Lifetime ISA closed on 18 August 2026. Where the reform stands now, and what it means for your Lifetime ISA in the meantime.
The market gives you a number every second it is open. Almost none of it is information. Why the horizon you measure by matters more than almost anything else you choose.
The government plans to replace the Lifetime ISA with a First-Time Buyer ISA. Here is what is proposed, and what it means if you already have one.
You put money in, you get a bit more back. What happens when that bit more starts earning its own is compounding.
The most generous ISA going, and the most punishing if you get it wrong. The bonus, the penalty, and the 2028 change.
If it promises to make you rich quickly and effortlessly, it is lying. How to spot it before it costs you.
Everyone obsesses over returns. The number that matters more early on is the one you fully control: what you put in.
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