Learn the basics of tracking income and expenses to understand where your money goes.

A step-by-step builder with sample household budgets, sinking funds, and a savings-rate target you can actually defend.

Understand what an ISA is, why the tax wrapper matters, and the main types.

Read a UK payslip and tell gross from net, and what each deduction is.

How much you really need (3, 6, or 12 months), where to keep it, and why it is leverage rather than just a safety net.

Why your savings rate is the single biggest determinant of when you reach financial independence - and how to raise it.

Understand interest and how compounding works for savers and against borrowers.

Why pay rises get absorbed within months and how to defend your savings rate using the rule of 'save half'.

Understand what inflation is and why idle cash quietly loses buying power.

A four-account setup (bills, spending, emergency, investing) and the standing orders that put your money on autopilot every month.

Understand the difference between current and savings accounts and when to use each.

A UK review of Ramit Sethi's I Will Teach You To Be Rich and his 6-week automation plan adapted for ISAs, SIPPs, and British bank accounts.

Build a first budget in five minutes by splitting spending into needs and wants.

The cost of convenience and how inaction traps you in bad financial products. A foundational mindset piece.

Understand what an emergency fund is, how big it should be, and where to keep it.

A step-by-step UK timeline for managing an inheritance - from parking the cash to investing it.

Easy access vs fixed bonds vs Cash ISAs, the Personal Savings Allowance, and how to actually beat inflation on cash.

Understand what a UK credit score is, what moves it, and why it matters.

The three credit reference agencies, what actually moves a score, and how to improve damaged credit in 3-12 months.

Read a US pay stub and tell gross from net, and know what each deduction is.

The 8% minimum, why opting out is a mistake, and how to maximise the employer match.

Understand the FICO score range, the factors that move a score, and why a higher score means cheaper borrowing.