Personal FinanceBeginner

Path to Financial Independence

From broke to free. For real this time.

Phases7
Estimated time12–24 months
Courses7 live
Path to Financial Independence

Seven courses from assessing where you are now to building genuine long-term wealth. Written for people who weren't taught this at school — which is most of us.

Phase 1 of 7

Know Where You Stand

Assess your income, expenses, debts, and net worth. Build a working budget that tells the truth.

Phase 2 of 7

Get Out of Debt

Understand what you owe, rank it by cost, and build a plan to clear it systematically.

Phase 3 of 7

Build Your Safety Net

Three to six months of expenses in cash, earning interest, protected by FSCS.

Phase 4 of 7

Traps & Pitfalls to Avoid

The things that keep people broke — and how to recognise them before they cost you.

Phase 5 of 7

The Power of Compound Interest

Why starting early matters more than how much you earn, and how to put compounding to work.

Phase 6 of 7

Investing for the Medium Term

Stocks and shares ISA, index funds, and how to invest without needing to pick winners.

Phase 7 of 7

Long-Term Wealth

Pension maximisation, the FIRE number, property, and what financial independence actually looks like.