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19 year old who's aspiring to financial independence

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ISAs

IG let me buy an ISA-ineligible stocks, now forcing it out - can i get my allowance back?

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General

HAs the market been absolutely unbearable to trade this last few months?

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QAlmost 30, trading full time and I miss having co-workers

Everyone’s situation is different, and mine’s a bit unusual, so bear with me. I’m almost 30. I went into Civil Engineering at 19 because it seemed like the safer bet, and worked across the industry, from QA/QC, supervis…

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General Fresh BlaZeFire Regular · 7 mins ago UNANSWERED

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QBitcoin just broke $80k. Can it sustain the rally?

BTC finally pushed through $80k, but I think the next few days are more important than the breakout itself. $80k has been a pretty obvious psychological resistance level, so the big question now is whether it can actuall…

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Crypto Fresh Melvin-Nel Regular · 41 mins ago UNANSWERED

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QPension & Savings thoughts - where am I going right/wrong?!

Hi All, Being a while i posted here and I’m just looking to consolidate my thinking across what money I have. the headlines: 36M, recently gone freelance in my field previous pensions totalling £20k (1 with Peoples Pe…

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Pensions Crowell Regular · 3 days ago UNANSWERED

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QHow do I choose the right broker for high leverage Forex trading?

Choosing a broker based primarily on the highest available leverage can leave out several important factors. Regulation, margin requirements, execution policies, fees, platform stability, customer support, and risk-manag…

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Investing j_Ceaser Regular · 3 days ago UNANSWERED

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Q£224k @ 31 - and cash positive! 🎉

As of today I am sat on an investment total of £224.5k - and finally cash positive (I.e I now have more in investments than my liabilities - mortgage). Approximately £120k more than 18 months ago :folded_hands:t3: Break…

First reply j_Ceaser

Nice! What are you invested in to have such good returns?

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Investing BacKwOoD Regular · 3 days ago

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QFirst time buying gold bars. Need some advice

Hi everyone, I’m looking to start collecting/investing on gold bars. It’s mostly for personal collection but I want to be able to sell it in case of emergencies as well. Does the weight matter in this case? I’m hoping t…

First reply BacKwOoD

It’s better to collect 1oz bars probably coins. They have a lower premium and are easier to sell at close to what you paid. Smaller denominations could work for you.…

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General Megamind12 Regular · 3 days ago

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QGold price surge

Exactly 1 year back today, 1g 24K Gold was priced at £59.5. Today it’s around £108-£118 Planning to invest in Gold coin with some money I have. Been waiting for 3 months for a dip Am I doing the wrong thing of waiting? …

First reply BacKwOoD

Ignore last year difference due to war stock market issues. Purchase consistently rather than doing lumpsum large amount. you can go for buying 5 grams a month or wait for…

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General SalvadorTradeX Regular · 3 days ago

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QShould I invest right now in crypto or it’s a bull trap?

So, we all seeing the instant explosion which rarely is ever that sudden, but is it all a bull trap and a cliff or it’s genuinely a good time to put your money to crypto to make a decent profit ?

First reply SalvadorTradeX

If you’re planning to hold for longterm, this seems like a good enough entry. Prices may go lower in the bear market… or they may not. There are risks of…

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Crypto Mr_gray Regular · 3 days ago

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QDaytrading has made me realize even more clearly how rigged capitalism really is

If you have massive capital, you can pull off the dumbest, most reckless strategy and still walk away with solid daily gains simply because size absorbs mistakes and magnifies micro returns. But when you’re trading with …

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First reply BacKwOoD

Not quite. Smaller means our moves don’t affect anything and we can get in and out easier. Big guys have to do all kinds of shenanigans to just get their…

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General Pink_lady Regular · 3 days ago

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Top Stories

See all →

TIC Blog · 2 weeks ago

Rent vs Buy: Why I’d Invest My Deposit Before Buying Again

Quick Answer For most people, buying a house works because it forces you to save: every mortgage payment builds equity that spare…

TIC Blog · 1 month ago

Forex Spread vs Commission: the Maths Nobody Actually Does

Quick Answer: Spread-Only or Commission? Which Actually Costs Less? Run the numbers on a standard lot of EUR/USD and the gap is…

BBC · 27 mins ago

Iran says it is ready for what US calls 'greatest financial offensive ever'

The US calls its latest sanctions on Iran an "economic D-Day", but Tehran says it has a plan to counter them.

BBC · 1 hour ago

US-Canada trade war escalates as Trump threatens tariff hike on autos after Carney vows to retaliate

Mark Carney accused Trump of wanting to "destroy" Canada's auto industry, and said he would only resume trade talks if the US comes with the "right attitude".

BBC · 1 hour ago

How Canada could hit back to hurt the US economy - and Trump

What leverage does Canada, which sells about 70% of its goods to the US, actually have in this spiraling trade dispute?

QIs investing as simple as it sounds?

I’m currently in university and working a part time job, making a couple hundred pound a month, however it is all just sitting in a bank account making little to no interest. I’m not clued up on investing at all but from…

First reply diana_russell

Basically yes. However it’s important to realise that Investing in the stock market isn’t safe. There’s inheritant risk involved in investing in assets that have a variable value. Although the…

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Investing Protege Regular · 1 week ago

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QStocks and shares ISa

Never really had the chance to invest properly until my recent pay rise. It’s not much but I’m putting £25 a week into a stocks and shares ISA (Adventurous 5/7). Is this the right place to do this or shall I use another…

First reply Classy

If its your first Stocks & shares ISA, monzo is fine overall, small fees. There are free alternatives out there like Trading 212, eToro & pepperstone which are better apps,…

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General Jim_redington Regular · 1 week ago

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QBest crypto exchange in the UK right now?

Trying to find the best crypto exchange in the UK that balances safety + good coin selection, with having to move away from Gemini. From what I’ve seen: • Kraken → best overall (secure, FCA-friendly, solid GBP suppo…

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Crypto Ethan_GraY Regular · 1 week ago UNANSWERED

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QMoonPay Review

Discussion on MoonPay Review 2026: Fees, Security & Key Features

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First reply archiegriffin21

After Investing my moms money into this crypto world to see if i can get a little more to get myself through school but it blew up just after a…

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DividendDragon Regular · 1 week ago

1 Reply 0 0 Share

QUsing Maintenance loan to invest in my ISA

20M going into the third and final year of uni, I never applied for a maintenance loan because I have a part-time job that covers expenses and I live at home. I was thinking, what if for the next academic year I apply fo…

First reply Jason

You need an emergency friend first. Aside from that it is not necessarily a bad idea.

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ISAs Hay_why Regular · 1 week ago

4 Replies 3 9 Share

QFor Profitable Traders: What Do Your Monthly Returns & Typical Wins/Losses Look Like?

For those of you who have made it to the point where trading is consistently profitable, realistically, how much are you pulling in each month? Also, what do your typical winning and losing trades look like in terms of p…

First reply diana_russell

I had the same question… The answer I have received is that elite swing traders are around 7-8%+ ROI ($10000 account with $200 trades or 2%) $700-$800 per month elite…

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General Fada Regular · 1 week ago

2 Replies 1 12 Share

QLooking for advice on whether to start my company as a sole trader or a limited company

Hello, I am looking to start my own business in March next year but I have one question, Should I start as a sole trader or a limited company. I already have my client lined up so the work will already be in place as I w…

First reply kingpin_479

Sole trader would be my suggestion. Ltd tax advantages aren’t what they once were due to dividend tax hikes. Then there are the accountants fees. If you’re renting expensive premises/need…

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General Georgia Seedling · 1 week ago

4 Replies 1 15 Share

QWhere are payment details

(No additional details provided.)

First reply Mullen

Which payment details are you looking for

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Trading Annette Seedling · 1 week ago

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QWhere do you guys put your money after you’ve maxed out your ISA?

For those who have already used up their ISA allowance, what’s your next move? Do you put extra money into a taxable investment account, pension/SIPP, premium bonds, property, savings accounts, or something else? Intere…

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ISAs kingpin_479 Contributor · 2 weeks ago UNANSWERED

0 Replies 1 1 Share

QPersonal Allowance Tax in the UK

As the UK Government offers £1,000 tax free trading allowance for any beermoney making on the side of your job, what do people do about this? Do you declare it yourself? Or do they contact you? If you survey/games etc en…

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Tax Black_CoFFee Regular · 2 weeks ago

1 Reply 4 3 Share

QWhat’s an "unspoken rule" of UK corporate world that they never teach you in school?

What’s a harsh truth about navigating the professional world in the UK that you had to learn the hard way?

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General BeyoNDer Regular · 2 weeks ago

1 Reply 0 4 Share

QTrades - which one would be best to learn

I’ve always wanted to learn a trade, not only because I think many of them are in short supply but I love the idea of doing something practical and not sat in front of a screen wondering if there are some with better pro…

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General Bennet Regular · 2 weeks ago UNANSWERED

0 Replies 1 3 Share

QBiggest struggle with trading?

I don’t know what it is, my analysis is good, setup good and yet I will completely forget trades and leave them running. I do try to set SL & TP but sometimes (more the 60% ) of the time I completely forget and has been …

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Trading Abubaka Regular · 2 weeks ago

2 Replies 4 6 Share

QIs my situation looking okay?

Hi, My last annual NEST statement reads that I’m on course to end up with, around, £289,000.00 at my set retirement date in 2061! It reads that I should be due an annual income of £20,700.00 from that pot. I’m also on c…

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Pensions TrendForge Regular · 2 weeks ago

2 Replies 7 8 Share

QWould you recommend buying or renting your home?

i’ve shared my thoughts on buying or renting in this guide. Rent vs Buy: I Own a House, and I'd Still Think Twice what do you think?

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Trading Expert Wolfstone Trusted · 2 weeks ago

1 Reply 2 5 Share

QRent Vs Buy -what is best?

I have recently written an article about rent vs buying, i’d love to get your thoughts

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General Expert Wolfstone Trusted · 2 weeks ago UNANSWERED

0 Replies 2 1 Share

QDo i benefit, i'm just kinda curious?

Would I benefit from a pie with 80% all world and 20% nasdaq 100. I’m also investing in a few defence companies such as Northrop Grumman and rheinmetall and have a 10% increase for both. For long term individual stocks I…

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General Chart_Hunter Regular · 3 weeks ago

4 Replies 10 3 Share

QWhat's the one piece of investing or personal finance advice you'd give someone in their 20s?

If you could give someone in their 20s just one piece of investing or personal finance advice, what would it be, and why? It could be something you wish you’d learned earlier, a mistake you made, or a habit that has had …

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General Raji Seedling · 4 weeks ago

1 Reply 7 3 Share

QHow much pension is enough?

Serious question to all the pension bros. I see so many people max out the pension and live like they’re broke. Surely there’s a number beyond which it just doesn’t make sense to put more in there.. given you can’t touch…

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Pensions Faruk Regular · 1 month ago

1 Reply 4 8 Share

QI need some advise on investing in majorly UK stocks

I’m 23 and looking to seriously get started investing in individual stocks, specifically UK stocks. I’m not really interested in index funds only. I want to learn how to analyse companies properly, keep up with market ne…

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General West Regular · 1 month ago

1 Reply 6 6 Share

QThe overall ISA allowance is staying at £20,000 again

Does it ever go up, and should it be higher given inflation?

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ISAs BullVision Regular · 1 month ago

1 Reply 1 2 Share

QThe government is replacing the Lifetime ISA with a new First Time Buyer ISA by 2028

Should I still bother opening a LISA now?

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Trading gater Regular · 1 month ago

3 Replies 4 10 Share

QThe Pension Schemes Act 2026 just got Royal Assent

what does this actually mean for my workplace pension pot, in plain English?

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Pensions Protege Regular · 1 month ago

2 Replies 6 10 Share

QThe State Pension just went up 4.8% under the triple lock

is this actually sustainable, or are we just kicking the can down the road for younger workers like me?

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Pensions FireMaN Regular · 1 month ago

3 Replies 9 16 Share

QStocks and Shares ISAs enable people residing in the United Kingdom to invest in a tax efficient manner with a certain limit per year. Is it possible to own cryptocurrencies directly in an ISA or not?

Stocks and Shares ISAs enable people residing in the United Kingdom to invest in a tax efficient manner with a certain limit per year. Is it possible to own cryptocurrencies directly in an ISA or not?

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ISAs CoinVoyager Regular · 1 month ago

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QThe HMRC classifies cryptocurrency as property and not currency for tax reasons. How is Capital Gains Tax charged on cryptocurrency profits in the UK and what is the present tax free allowance?

The HMRC classifies cryptocurrency as property and not currency for tax reasons. How is Capital Gains Tax charged on cryptocurrency profits in the UK and what is the present tax free allowance?

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Tax ChainNavigator Regular · 1 month ago

4 Replies 6 10 Share

QThe FCA oversees certain crypto activities in the UK yet many tokens are not under complete regulation. Which crypto activities is the Financial Conduct Authority regulating at present?

The Financial Conduct Authority oversees certain crypto activities in the UK yet many tokens are not under complete regulation. Which crypto activities is the Financial Conduct Authority regulating at present? And what…

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General SatoshiTrail Regular · 1 month ago

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QWhy does it matter to UK cryptocurrency investors to maintain good records for all transactions?

Why does it matter to UK cryptocurrency investors to maintain good records for all transactions? Should cryptocurrency exchanges and wallets provide more facilities for calculating the profits on which users would have t…

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Tax CoinVoyager Regular · 1 month ago

2 Replies 4 10 Share

QWhat should UK investors do to find the correct equilibrium between pensions and other investments?

What should UK investors do to find the correct equilibrium between pensions and other investments? Is depending mostly on pensions adequate for retirement or should people invest in other sources of wealth like Individu…

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Trading ChainNavigator Regular · 1 month ago

2 Replies 7 10 Share

QHow significant do you think pension schemes are in helping to build financial security for yourself in the UK?

How significant do you think pension schemes are in helping to build financial security for yourself in the UK? Taking into consideration pension schemes such as employer based pension schemes, personal pension plans and…

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Pensions SatoshiTrail Regular · 1 month ago

2 Replies 7 10 Share