The Foundation Years

You have income, no dependants, and time on your side. This is the most important financial window of your life — and this series shows you what to do with it.

Series Trailer

A short introduction to The Foundation Years and the window you are standing in right now.

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S2 Episode 1 — Your Turn Now

Three starting points. One window. Income, no dependants, time on your side — and everything to play for.

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S2 Episode 2 — One Salary, Multiple Expenses

What actually lands in your account after tax — and the habits that stop it disappearing before you’ve made a single decision.

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S2 Episode 3 — The Emergency Fund

The buffer that sits between your salary and the rest of your life — and protects you when things go wrong.

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S2 Episode 4 — The Enemy in Your Wallet

Credit cards, buy now pay later, personal loans. What they actually cost in real numbers — and the five rules for using them without letting them use you.

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S2 Episode 5 — Good Debt, Bad Debt

Not all debt is the enemy. The one question that separates debt that builds you from debt that drains you — and the order that decides everything.

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S2 Episode 6 — Building the Engine

The foundation is holding. Now the engine — three horizons, why your income is an asset that isn’t diversified, and what the long money actually goes into.

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S2 Episode 7 — Inside the Portfolio

Real proportions, real risk levels — how much goes into each pot, what the medium-term money holds, and when any of it should start to change.

Coming Soon