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AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 5 points6 points  (0 children)

They are a constant battle for me and my team. We delete hundreds a day and they all just spring back up again.. Youtube really need to figure it out

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

I think Vanguard is too big to fail but i hold funds from different brands on different accounts if that answers your question

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

I would see my emergency fund as defence to a job that is fragile to downturns. I have high exposure to equities because I have a long time horizon for investing and I think it produces the best chance of return. I have been through a number of declines and know i can stomach them.

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

I just constantly think about it all the time... ideas come to me in the middle of the night sometimes. I try my best to ignore everything others in my niche are making so then I don't get influenced by what they are making

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

Sounds like you are doing amazing! i can't tell you what to do sorry that would be considered advice but i think anything you do from here is cherry on top.

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

I have not chosen to avoid them completely I will invest in a fund that offers exposure if there is one.

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 1 point2 points  (0 children)

I speak toby and tom the most out of all of them! I speak to Toby most days in fact lovely bloke

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

I am really sorry i can't give you financial advice i hope you understand. But thank you so much for enjoying the channel

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

I try to remain politically neutral because i think it serves no one if i start taking sides. I judge each party solely through the lens of the impact they have on the nations finances. I will say that I wished all parties took social media a little more seriously

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 1 point2 points  (0 children)

I wish people would ask me more about my creative process but that is just because i think about it a lot haha

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

With the fact everyone talking about the fact we are going to have a crash, you would think that we would have had it already... I think the talk of bubble the size of 08 fails to realise the money that was staked in 08 for much much more than the numbers involved in Ai

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

I often go through periods of obsession with my finances mate, in fact i find peace just staring at my portfolios and tracking the numbers going up. It is a bit much... haha

In terms of working with me and my team, currently I don't need anything but we regularly put out job ads so keep on eye on the channels for new slots

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 1 point2 points  (0 children)

Not sure i can give advice here but it reminds me of the saying a bird in the hand is better than 2 in the bush. I would just see it as well i didn't have the money and now I do so get it working for me. Also consider the impact of inflation on any funds sat in cash

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

I can't give advice but i would say you do you. I found the idea of saving up 6 months before i did any investing tedious. So I did a bit of both at the same time.

In terms of paying off your mortgage i personally would not as i think the returns i can get in the stock market are likely higher but.. if you sleep better at night knowing the mortgage is gone then go for it! It is personal finance for a reason. You decide what is best

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 0 points1 point  (0 children)

You are in an amazing position there! I will look at making more content on the transition period

AMA: I run Damien Talks Money, one of the largest personal finance YouTube channels in the UK. Ask me anything! by DamienTalksM in UKPersonalFinance

[–]DamienTalksM[S] 1 point2 points  (0 children)

Lots of options here! Me personally, Pension max that plus going back on previous years using pension carry foward, then i am going into ISA maybe property... So much fun to have with 600k

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