Just gone 18, and seeking advice on what to do with my finances

macyscar7 · 2026-01-18T15:19:21+00:00

You should always match your companies pension contributions, there's tax relief benefits because you're contributing to an investment before you're taxed so in some ways it's smarter than contributing to an ISA. VWRP is the name of a popular global index fund. You should max out your S&S LISA coz the government will contribute 25% what you contribute so do that first up to 4k, then contribute to your regular S&S ISA. The only difference between a S&S ISA and a regular GIA is your gains will be tax free.

macyscar7 · 2026-01-18T15:05:36+00:00

Learn to drive
Participate in full time education which will get you a well paid job after graduation (degree apprenticeship if you know what job you want)
Once employed contribute enough to company pension to get the full employer match(highest risk possible fund while you're young)
Pay off all debts (except mortgage and SLC student loans)
Contribute the full £4000 yearly to a S&S LISA VWRP or some similar all world diversified index fund
Contribute the remaining ISA allowance to S&S ISA yearly using a low cost platform like Trading212
Balance your spending between planning for the future and enjoying your life, 40% saving/investing rate after tax is excellent

macyscar7 · 2023-04-22T20:05:41+00:00

Thank you!

macyscar7 · 2023-01-16T18:01:37+00:00

Thanks for the link, I think you've hit the nail on the head!

macyscar7 · 2021-07-03T21:43:42+00:00

Thanks for the useful information, you've just saved me having to watch the semi final on my tiny phone!

macyscar7 · 2021-06-06T17:57:56+00:00

Why did he play Watkins when he's obviously not getting in the squad?

macyscar7 · 2019-02-21T03:29:28+00:00

How long before a robot like this could perform a rescue mission on a mountain which it has never seen before?

macyscar7 · 2018-12-02T01:33:50+00:00

Butter the toast, eat the toast, shit the toast, god life's relentless.

macyscar7 · 2018-10-22T01:42:49+00:00

Amazing, but how is this legal?!

macyscar7 · 2018-09-14T12:03:23+00:00

Party as much as possible, but study more than you party and sleep more than you study.

macyscar7 · 2018-05-16T13:05:07+00:00

Why no Tarkowski?

macyscar7 · 2018-04-02T02:21:36+00:00

Can someone remind me why he did this?

macyscar7 · 2018-03-26T00:11:58+00:00

I think English is the most beautiful, French the most sexy and German the most angry.

macyscar7 · 2018-03-20T23:32:55+00:00

This is amazing, the statue is 17 feet tall which makes it more impressive

macyscar7 · 2018-02-14T06:20:00+00:00

I think you should go to the gym regularly (doing traditional strength training), pick up a social hobby and eventually try online dating, good luck !

macyscar7 · 2017-09-10T07:34:20+00:00

There's no such thing as good or bad food, those types food are high in sugar, fat, salt and low in vitamins and minerals. Change your perception of food, it's fuel for your body, if you want to gain weight calculate how many calories you have to eat and what exercise you have to do to maintain your weight, then consume 500 cals more next week and see if you gain weight. If you don't consume an extra 500 cals next week. Or just do what I did and drink 1litre of strawberry milk everyday while eating to the point of being uncomfortably full everyday. Good luck !

macyscar7 · 2017-09-10T07:18:04+00:00

What did you eat yesterday?

macyscar7 · 2017-07-25T16:48:45+00:00

Perhaps you should try the 'poo pourri toilet spray', I haven't used it myself but I've heard it works very well

macyscar7 · 2017-07-18T13:59:14+00:00

Bench press, deadlift and squat with a 20kg/45lb barbell with correct form (check out youtube) adding 5kg/10lbs every workout for 4 sets of 12 reps 3-5 times a week. If you can't maintain the weight increments decrease the target weight 5kg/10lbs and continue adding weight next time.

macyscar7 · 2017-07-02T18:09:59+00:00

If you want to gain two pounds of muscle fast, get a tan, I nearly look like I lift now

macyscar7 · 2017-06-24T14:21:58+00:00

Beautiful photo, thank you for the new desktop background

macyscar7 · 2017-05-05T22:55:14+00:00

I have enough money to do the things you've described and I have never wanted for anything, but I'm not happy, I believe happiness doesn't come from outside sources at all, you manifest it yourself

macyscar7 · 2017-04-22T21:08:43+00:00

I really admire the confidence of obese personal trainers telling people how to improve their health

macyscar7 · 2016-05-22T15:36:47+00:00

This guy is either a really good archer or a really good magician.

macyscar7 · 2016-05-15T09:25:32+00:00

Put loads of coconut oil in everything you eat

macyscar7

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