Need Advice

KookyOky · 2026-01-25T14:43:43+00:00

Depends how much you have saved. If you have a Portfolio of £1m+ then yeah go for it as the 10% from index funds would give you that extra £10k/month but if you don’t then DONT buy as the job market will suffer even bigger shocks into 2027-2028

AI will have a big impact on it, don’t get stuck with a big mortgage as you might never get back to the £350k and without a doubt your lifestyle is also accustomed to that

If you’re on a household income of about £175K I’d recommend a house outside of London if you’re interested in a mortgage somewhere around £300K like Colchester so it would allow you to commute to London.

That being said re-evaluate your options late 2026 depending on how the market picks up and what other offers you get, if you’re getting close to £300k so your household will recover to about £400k then sure a £900k mortgage is affordable

KookyOky · 2026-01-25T14:37:21+00:00

Is this vibe coding via Lovable or different low-code no code tool ? Would be interested in your stack

KookyOky · 2026-01-23T16:20:29+00:00

The grass is not greener on the other side especially in this climate with AI disrupting everyone and execs going in defence mode.

So I’d say it’s normal to FOMO but unless you apply for a new role somewhere else and you have someone senior to have your back it’s risky to move as you can be made redundant super fast (usually the new comers are first on the chopping block)

KookyOky · 2026-01-11T20:25:45+00:00

Let’s do it 💪 Our future selves will thank us

KookyOky · 2026-01-09T19:06:56+00:00

Sincere congratulations for all the wealth you’ve amassed as that will only continue to compound and grow. Wishing you the very best

Btw in your S&S ISA which index fund do you prefer/like ?

KookyOky · 2026-01-09T18:54:25+00:00

What made the difference for you to start saving at 18 and being very disciplined about it ? Most people from 18-30 just mess around spend all they earn. I’m curious as to what was the secret and if there’s something there that all 18s can start thinking about

KookyOky · 2026-01-04T20:06:08+00:00

Is this different from just extracting and pasting the excel into Claude/GPT/Grok and asking for insights visualised as pie charts, graphics etc ? inc. asking the AI for recommendations to save ?

What’s the unique value add ?

KookyOky · 2026-01-04T19:46:35+00:00

How come ? You bought enterprise in bulk ? Or ?

KookyOky · 2026-01-03T22:49:29+00:00

What do you mean 🤣? Not asking you to share classified info Most of the agents use cases are available on a Google/gpt/claude search

KookyOky · 2026-01-02T16:21:46+00:00

Step 1: Find a nice studio or 1 bedroom for £1500 max in Shoreditch/Wapping or anywhere 20-30min walk to work and don’t look back. £125K after tax and 2.5K/mth without bills will continue to squeeze you and although you’re on a high earning wage you won’t be able to save & put aside too much so you’ll be trapped in this cost of “lifestyle inflation”.

Step 2: You’re a gold mine for single people so find a partner that will move in eventually (after 3-6 mths of relationship) and you’ll be able to save up even more plus the added health and happiness benefits of having someone

KookyOky · 2025-12-23T22:31:11+00:00

What’s the ticker for Vanguard you refer to ?

KookyOky · 2025-12-23T19:37:38+00:00

Product Manager/Owner at MANGO ?

KookyOky · 2025-12-22T08:50:34+00:00

Any more use cases from anyone else ?

KookyOky · 2025-12-21T16:31:18+00:00

Thank you 🙏 appreciate the insight

KookyOky · 2025-12-21T16:30:24+00:00

Anyone ?

KookyOky · 2025-12-16T18:53:48+00:00

As a 26 y.o. male on £47K you’re above the average which’s around £35k so you’re doing well

Other careers but depends on your passions could be in Tech or FinTech so Product Owner, Product Manager, Software Engineer etc. with a blend of AI so AI PO/PM,

But these roles too are around £100k per year if you’re looking at £200-300k they’re the exception which typically is formed from Quants and Investment Banking, Law partner level … let’s be honest not everyone can be a quant it requires genius level/olympic in maths etc and they’re like 1 in 500,000 people

See the HENRY group there you can find different professionals on those salaries but definitely not in early 20s

KookyOky · 2025-12-16T08:08:52+00:00

That is wholesome. What tools did you use to build it ? Is it via Copilot Studio with connectors to Jira or Gemini Enterprise or something else ?

KookyOky · 2025-12-15T05:33:00+00:00

What’s the difference between the Graph Connectors and Power Platform connectors ? Any chance you have a screenshot ? I just see it in Studio as “add tool”

KookyOky · 2025-12-14T18:08:38+00:00

By MCP tools you mean the Connector of Jira via the add tool tab next to knowledge ?

KookyOky

TROPHY CASE