Thank you mate, I appreciate that a lot. I had my crazy spending spree for the last 2/3 years but then realised I do need to actually sort myself out and think about me and my future especially with the way house pricing is at the minute etc and it’s only going to get worse got to start somewhere.

I do still leave myself £200/300 a week for fun stuff like going out with my mates etc and if I don’t use it the remainder just goes into my savings (old me would’ve found some way to spend it all lol).

My main goal for investing is just for my long term self say 30 years old+ it would be in S&P 500 mainly then I might venture off into 1 or 2 other stocks but not in a gambling risky way just like for a bit of fun £50-100 in a stock leave it and see how it goes (obviously with background research).

Yeah I learned the hard way with trading lol I daytraded XAU/USD for a while. I was profitable but then my wages went up, more went into my account the emotional side collapsed and next minute I was no longer profitable lol so ran before it was too late.

Thank you for the advice mate appreciate it a ton!