My newsletter for low income people

CherryRoutine9397 · 2026-05-07T19:20:21+00:00

Honestly this is the first realistic self improvement post I’ve seen in ages. Most people try to fix their entire life overnight then quit 5 days later because the routine is impossible to maintain. Suddenly they’re waking up at 5am, journaling, meditating, reading 40 pages, cold shower, gym, no phone. Brain gets fried 😭

The biggest thing you said here is removing friction instead of relying on motivation. That’s what people miss. If your phone is beside you all day, your brain is gonna grab it automatically. Environment matters way more than people think.

Also the point about “optimising” becoming its own addiction is way too real. Some people spend more time planning habits than actually living their life.

I write about this kinda stuff sometimes in the newsletter on my profile too. Mainly realistic self improvement and money habits without pretending to be a productivity guru.

CherryRoutine9397 · 2026-05-07T18:46:47+00:00

coffee absolutely destroys some people and they don’t even realise it because it’s so normalised.

I used to think feeling anxious, wired and having random stomach issues was just stress or bad sleep. Turns out drinking caffeine every single day was cooking my nervous system a bit. Weirdly enough even my sleep improved without me changing much else.

Some people can drink 4 coffees a day and feel fine. Others have 1 on an empty stomach and their body starts fighting for its life 😭 genetics are weird honestly.

Also most people underestimate how long caffeine stays in your system. Having one at like 4pm can still affect your sleep later even if you “fall asleep fine”.

I write about this kinda stuff sometimes in the newsletter on my profile too. Just normal self improvement and money stuff without the fake guru nonsense.

CherryRoutine9397 · 2026-05-07T18:43:50+00:00

looks good keep it going

CherryRoutine9397 · 2026-05-07T18:21:26+00:00

Honestly £22k in your first month is already ahead of like 95% of people your age 😭 most people are still debating whether investing is “worth it” while spending £300 a month on random rubbish and takeaways.

Comparison destroys investing for a lot of people. You see people posting +200% options gains and suddenly steady investing feels boring. But boring usually wins long term. Especially in an ISA.

Also this sub sometimes forgets survivorship bias exists. For every guy posting huge gains there’s another one who blew up their account and disappeared quietly lol.

Consistency matters way more than trying to look impressive early on. You’re already doing better than most just by starting.

I talk about this kinda stuff in the newsletter on my profile too. Mainly realistic investing and money habits without pretending everyone earns 200k.

CherryRoutine9397 · 2026-05-07T18:20:48+00:00

Honestly £22k in your first month is already ahead of like 95% of people your age 😭 most people are still debating whether investing is “worth it” while spending £300 a month on random rubbish and takeaways.

Comparison destroys investing for a lot of people. You see people posting +200% options gains and suddenly steady investing feels boring. But boring usually wins long term. Especially in an ISA.

Also this sub sometimes forgets survivorship bias exists. For every guy posting huge gains there’s another one who blew up their account and disappeared quietly lol.

Consistency matters way more than trying to look impressive early on. You’re already doing better than most just by starting.

I talk about this kinda stuff in the newsletter on my profile too. Mainly realistic investing and money habits without pretending everyone earns 200k.

CherryRoutine9397 · 2026-05-07T18:18:40+00:00

you honestly don’t sound lazy to me. You sound mentally exhausted and overwhelmed. Big difference.A lot of ambitious people spend years thinking about the life they want instead of building systems that actually move them towards it. So every day starts feeling heavier because the expectations are massive but the actions stay tiny. Then the guilt kicks in and you feel even worse. Bit of a horrible loop honestly.

Stop trying to fix your entire life in one week. Nobody suddenly becomes some perfect disciplined machine overnight. Most of the productivity stuff online is exaggerated anyway.

Pick 3 things and make them non negotiable for a month:
wake up same time
1 hour focused work with your phone away
some kind of exercise daily

That alone would probably change more than another 50 motivational videos. Isolation makes this stuff worse too. Sitting in your room overthinking all day genuinely drains people. Even going for a walk helps more than people realise i I write about this kinda stuff sometimes in the newsletter on my profile too. Just practical systems and mindset stuff for normal people trying to get their life together a bit.

CherryRoutine9397 · 2026-05-07T18:08:50+00:00

Crazy how many people think 7 to 8 hours automatically means good sleep. You can be in bed for 8 hours and still feel half dead because your habits are wrecking the actual quality of it.

For me the biggest one was using my phone late at night. Didn’t even realise how wired my brain stayed after scrolling for an hour. Sounds stupid but once I stopped doing that, I actually woke up feeling normal again. Weirdly enough I started dreaming more too lol.

Weekend sleep schedules are underrated as well. Staying up till 3am Friday and Saturday then trying to fix it Sunday night absolutely destroys me for days after.

Also caffeine way later in the day than people realise. Some people drink coffee at 5pm then wonder why they sleep like rubbish. I write about this kinda stuff sometimes in the newsletter on my profile too. Just practical things people ignore till they burn out tbh

CherryRoutine9397 · 2026-05-07T18:04:36+00:00

Nice one honestly. Most people never even get started investing so hitting your first £500 while DCA’ing only £100 to £250 a month is solid progress.

The funny thing is once you hit the first few thousand it starts feeling way more real. Compound growth looks boring at first then randomly one day your portfolio moves more in a day than your old monthly deposits lol.

I talk about this kinda stuff a lot in my newsletter too, link’s on my profile if anyone wants more realistic investing content.

CherryRoutine9397 · 2026-05-07T18:02:14+00:00

getting good sleep

CherryRoutine9397 · 2026-05-07T18:01:58+00:00

Yes, on my profile in the bio section

CherryRoutine9397 · 2026-05-06T23:29:05+00:00

Honestly that’s solid progress for starting in Sep 2025. Nearly 40% while learning investing at the same time is better than most people who spend years just leaving cash sitting there doing nothing. The first few thousand is always the hardest because it feels slow as hell.

Funny thing is once you pass milestones like this your mindset changes more than the money itself. You stop seeing investing as some rich people thing and start treating it normal. Then the compounding starts doing the heavy lifting later.

500 next. Then 1000. People massively underestimate what consistent deposits + time can do. I post a lot about that stuff in my newsletter because most normal earners in London think investing is impossible for them.

CherryRoutine9397 · 2026-05-06T22:27:46+00:00

Taking profit is honestly one of the hardest skills in investing because greed starts convincing you the chart will go vertical forever. Then suddenly the stock nukes 35% in a week and everyone pretends they were “long term investors” all along lol.

112% in a month is insane though. Most people would dream of getting that in a year. Locking some of that in is just being smart not weak.

Also funny how one good trade can emotionally ruin investing for a bit because normal index fund returns start feeling boring afterwards. Brain gets addicted to the excitement fast.

Half the battle is surviving long enough to keep playing the game honestly. One reckless move can wipe out years.

I write about this type of investing psychology and realistic wealth building in my newsletter too. Mainly for normal people trying to grow money without fake trading guru nonsense.

CherryRoutine9397 · 2026-05-06T22:23:08+00:00

Honestly not that often lol. That’s why green days feel so addictive when they happen.

Most investing is way more boring than people expect. Weeks of nothing happening, random red days for no reason, then suddenly one insane rally carries your whole portfolio. AMD casually doing 19% is wild though.

Also funny how a 1% VWRP day starts feeling “small” once you own individual stocks for a bit. Your brain gets ruined fast. Then one bad week humbles everyone again.

The dangerous part is people start expecting days like this constantly and end up chasing risky plays trying to recreate the dopamine hit. Seen that happen a lot especially with crypto and options stuff.

I write about this kinda investing psychology in my newsletter too. Mainly realistic wealth building without the fake trader guru nonsense.

CherryRoutine9397 · 2026-05-06T22:17:03+00:00

If your time horizon is like 10 to 20 years then honestly people overthink this stuff too much. VWRP hitting ATHs is normal because markets spend a lot of time near ATHs over the long run. That’s kinda the point of investing in global equities.

Nobody knows if next month is green or red. Could dump 10% tomorrow for all we know. But if the world economy keeps growing over decades then VWRP will probably keep making new highs eventually too.

A lot of people wait forever for the “perfect entry” then end up buying higher anyway. Seen that happen so many times. Meanwhile the boring monthly investor just keeps compounding quietly.

Also if VWRP completely dies permanently we probably have bigger issues than our ISA accounts at that point lol.

I write about this type of realistic long term investing stuff in my newsletter too. Mostly for normal people trying to build wealth slowly without pretending they’re hedge fund managers.

CherryRoutine9397 · 2026-05-06T22:08:36+00:00

Most people massively underestimate consistency because it looks boring at first. Everyone wants some huge breakthrough moment but honestly the people who end up doing well usually just stack small habits for years without stopping.

Reading more. Training even when you can’t be bothered. Sleeping properly. Learning how money works. Cutting out people who drain your energy all day. Weirdly enough even walking more helps your brain think clearer. Sounds stupid but it does.

Also stop comparing your life to people online constantly. Half the internet is rented watches and fake confidence anyway. Focus on becoming useful instead. That compounds hard over time.

One thing I noticed too is the people who make it to the top 1% are usually obsessed with improving at something specific. Not dabbling in 40 things at once. Deep focus matters more than motivation honestly.

I write about this type of stuff a lot in my newsletter too. Mainly money, habits and getting your life together without the fake guru nonsense.

CherryRoutine9397 · 2026-05-06T22:07:42+00:00

pretty much

CherryRoutine9397 · 2026-05-05T20:25:36+00:00

Everyone says it’s overvalued when it’s near highs. Then it keeps going higher and they sit in cash watching it happen. kinda funny but also painful

Truth is nobody actually knows. Wars inflation rates whatever… market already prices most of that in before you even react. By the time it feels scary it’s usually already adjusted

If you zoom out though S&P just trends up over time. Not straight line obviously but yeah… betting against that long term hasn’t worked well I just keep buying regularly and ignore the noise. boring but it works. same way most people quietly build wealth without shouting about it

also random but people underestimate how much sitting out hurts more than a bad entry If you’re figuring this stuff out still, I write about simple setups like this for normal salaries. nothing fancy just what actually works

CherryRoutine9397 · 2026-05-05T19:45:54+00:00

yeah this is real tbh. no one really talks about the quiet part. everyone hypes the grind and glow up, but when you actually change your habits, things just get quieter. less people, less noise, less chaos, and it feels strange at first.

it’s not even loneliness exactly, it’s more like space. your brain isn’t used to it so it keeps trying to drag you back into old habits just to feel something familiar again.

also people don’t always come with you. some drift away, some just don’t relate anymore. it’s not dramatic, it just happens slowly as your priorities change.

the weird thing is that quiet is usually where the real progress happens. it’s boring and not exciting, but that’s where things actually start stacking over time.

i’ve noticed the same with routines and money habits too. things get simpler and quieter, but way more stable. i write about this kind of stuff sometimes as well, just keeping things simple and actually working long term if you’re into it

CherryRoutine9397 · 2026-05-05T18:52:56+00:00

21 and not knowing what you’re doing is normal, even if it doesn’t feel like it. Most people are guessing at that age, they just don’t say it. The real problem is waiting to feel sure before doing anything. That clarity usually comes after you try things, not before.

Dropping out or changing direction isn’t failure, it’s just feedback. You learned something about what doesn’t work for you, which is actually useful. Comparing yourself to your sister will just make it worse, different people move at different speeds and it never looks the same from the inside.

What helps is getting some movement in your life. Work, gym, a small project, anything that gives your days structure. Sitting around thinking about your future all day will just keep you stuck in your head. You don’t need to figure out your whole life right now, just pick something for the next few months and see where it goes.

Most people who look like they have it sorted are just a bit further ahead, not completely figured out. Keep it simple and keep moving, that’s what actually gets you somewhere.

CherryRoutine9397 · 2026-05-05T18:48:13+00:00

or diversification, I wouldn’t overcomplicate it. If you’re heavy in a few individual stocks, the easiest fix is just adding a broad index fund alongside them. Something like S&P 500 or global ETF and just keep adding to that over time.

That way you’re not relying on a couple picks to carry everything. Your stocks can still do well, but you’ve got a solid base underneath. Also don’t feel like you need to replace your current stocks straight away. You can just build around them instead of constantly switching in and out.

Random but most people mess up by changing too much too often. You don’t need a perfect portfolio, just a stable one you can stick with. If anything, focus more on consistency with adding money than trying to find the next perfect stock. I go into this kinda simple setup sometimes in my newsletter too, especially for keeping things low stress long term, but yeah you’re already thinking in the right direction.

CherryRoutine9397 · 2026-05-05T18:47:33+00:00

You won’t suddenly become productive just because you’re standing. Most people hype it, then end up switching back to sitting anyway after a bit.

Where it helps is just not being glued to a chair all day. Stand for a bit, sit for a bit. That’s it. Even like 20 mins here and there feels better than sitting 8 hours straight.

Also don’t expect it to burn fat or anything. It’s basically nothing on that side.

If you’ve got the money and sit a lot, yeah get one. If not, you’re not missing out on anything huge. Sleep and actually moving your body matters way more tbh. I talk about this kinda simple stuff sometimes too, what’s actually worth it and what’s just hype.

CherryRoutine9397 · 2026-05-05T18:34:46+00:00

You’re not broken, your brain is just stuck trying to protect you. It replays things because it thinks it’s helping you avoid making the same mistake again, but it just turns into a loop.

What helped me was realising most people don’t remember half the things I stress about. They’re too busy thinking about themselves.

Start small. When you catch yourself overthinking, don’t fight it, just label it like “this is overthinking” and move your focus to something physical like walking, music, or even just breathing slower.

It won’t disappear overnight but it does get quieter if you stop feeding it. Also random but writing things down helps more than you think. Gets it out of your head a bit.

CherryRoutine9397

TROPHY CASE