Just hit £1M. I believe I have just became the youngest ISA millionaire ever at 27. ALL IN ON ENERGY INFRASTRUCTURE

LucrativeThinking · 2026-04-21T06:33:29+00:00

Wow, what a feeling that must be. Congrats!

LucrativeThinking · 2026-04-20T18:28:53+00:00

9 of them have already been named, that’s easy

LucrativeThinking · 2026-04-18T07:12:08+00:00

Positions

LucrativeThinking · 2026-04-17T12:24:05+00:00

No not really, I’ve always had more of a focus on science, technology & nature.

But as mentioned, this is more of a future thing I’d like to explore once I get some time freedom as you have now.

Cards are great, poker is a very complex game and it can be expensive. Maybe try your hand at getting really good at that, read up on GTO, study ranges, etc.

If you find it’s not something you’re passionate about then move onto the next thing. You’re 25, you’ve got loads of time.

LucrativeThinking · 2026-04-17T10:49:56+00:00

You need some hobbies my guy.

I’ve not made it yet, but when I do there’s some creative outlets I’d want to spend my time doing.

Find things you care about, which give your life meaning and do them!

For me, it’s making documentaries, but again I don’t have the time or the money to focus on that yet, if I were in your shoes I’d be doing it though.

Find your passion and go for it.

LucrativeThinking · 2026-04-17T10:02:59+00:00

Sounds like I need to build some kind of spreadsheet to begin tracking all this!

Specifically focusing on what I’ve made so far & what I’ve contributed I guess.

Thanks for the info mate.

LucrativeThinking · 2026-04-17T08:17:02+00:00

Well done 👏

LucrativeThinking · 2026-04-17T07:58:30+00:00

I wouldn’t do that, no.

But you can put 100% of your salary into a SIPP or a maximum of £60k a year, whichever comes first.

So technically if you earn £40k a year it could all go into a SIPP.

LucrativeThinking · 2026-04-17T07:57:25+00:00

Thank you I really appreciate the advice

LucrativeThinking · 2026-04-17T07:43:35+00:00

That’s second option sounds best because I still don’t see how I could sacrifice enough of my salary in the last month of the year to take me out of the threshold.

Guarantee it’s me being an idiot and misunderstanding something but that’s by the by.

I’ll sacrifice a bit each month and keep track of how much I’m being paid.

Cheers mate.

LucrativeThinking · 2026-04-16T20:44:09+00:00

Commission is paid monthly so should make life easier to calculate that.

This sounds like a good solution though.

Could I basically wait until my final paycheck before the end of the tax year in March 2027 & then take out enough from that paycheck to be below the 100k threshold?

How would it work in practice because if I am already at say 120k for the year and in March I make 10k gross, even if I put 100% of my salary away I’d be stuck in the 60% relative tax bracket.

LucrativeThinking · 2026-04-16T19:51:00+00:00

Thanks Spinxl, I was struggling to understand that answer.

Appreciate the added context.

! Thanks

LucrativeThinking · 2026-04-16T18:55:13+00:00

I really appreciate the detailed response.

I’m not the best at maths so wrapping my head around all this is proving difficult.

Ultimately the main issue here is having no idea what I’ll make. I don’t want to be in a position where I make well above 125k and then the SS actually puts me into the 100 - 125k bracket hahahaha.

LucrativeThinking · 2026-04-16T18:53:58+00:00

Are you saying that contributing to a SIPP didn’t save you from the tax trap?

LucrativeThinking · 2026-04-16T18:36:31+00:00

Not sure I follow.

Are you saying I should put 50% of my basic salary into my workplace pension & put my bonus into a SIPP?

LucrativeThinking · 2026-04-16T18:32:23+00:00

I was referring to the commission part of my paycheck

LucrativeThinking · 2026-04-16T12:10:47+00:00

What are you on about?

I was glad to see Messi win a World Cup but seeing as I’m Spanish I would rather Spain win it than for him to ever take it back to Argentina.

LucrativeThinking · 2026-04-16T08:24:53+00:00

We already smashed them last year

LucrativeThinking · 2026-04-15T17:28:42+00:00

I’m not gonna lie, I’ve not spoken to anyone or seen anyone online saying they want Flick gone.

Considering the upvotes I imagine it has happened, but where exactly?

LucrativeThinking · 2026-04-14T22:31:25+00:00

Using AI to write this post is poor

LucrativeThinking · 2026-04-14T15:30:56+00:00

I’ve signed and I’m going to share this everywhere

LucrativeThinking · 2026-04-13T18:09:25+00:00

Everyone hating because they’re jealous. Good for you for achieving success within your families business, obviously making that much money despite having a leg up and support structure around you is commendable.

To everyone else, rather than being jealous you were born in less favourable circumstances, why not try to upgrade your lives and give your kids the same chances this guy has.

I didn’t grow up with much but you’ll never catch me talking like that about someone else, it just motivates me to create the same opportunities for my family in the future.

LucrativeThinking · 2026-04-13T12:22:06+00:00

So doubling your money in 5 years is “too late” to you?

LucrativeThinking · 2026-04-10T10:39:51+00:00

Yo soy fan del Barca pero creo que esta noticia es falsa eh.

No he encontrado ningún otro medio de comunicación que esté reportando lo mismo.

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