👋 I’m Nathaniel, 38. I started investing 4 years ago… yes, late! ⏳💸 It’s never too late to change your life. 🧵👇

First ever Uber Eats shift yesterday ✅ 4-mile run this morning 🏃‍♂️ About to head out and do a few more deliveries 🚗💨 Then it's home for some sleep before a 12-hour night shift 🌙 A year ago I probably would've thought this sounded mad. Now I just see it as doing what needs to be done. Trying to build a better future financially 💰 while also getting fitter and stronger 💪 One day at a time. One shift at a time. One run at a time. 📈

🌊 Ocean is only 2 years old, but we're already teaching him something most people don't learn until it's too late... 💰📈 Today he got some money, and instead of spending it, we're putting it away to build his future. Every pound saved and invested today could be worth so much more when he's older. 🚀 While other kids are learning their ABCs, Ocean is learning the power of patience, investing, and building wealth one step at a time. 🌊💙 Imagine turning birthday money, Christmas money, and little savings into something that could change his future. 📊

I Love it when finally all that hard work finally starts to show some results! FINALLY 💪🫡

£1 A DAY CHALLENGE NASDAQ 100 TOTAL RETURN RESULTS SO FAR 📈

Starting to see the gains 🙌💪🫡

£1 A DAY CHALLENGE NASDAQ 100 TOTAL RETURN RESULTS SO FAR 📈

🚗 Just signed up for Deliveroo and Uber Eats 📦 I know the money isn't amazing 💷 I know it's not life-changing ❌💰 But when you're a low earner, you've got to find ways to increase your income 📈 I'll be doing it on the side ⏰, investing what I can into my portfolio 📊, and building wealth one step at a time 💹 I'm not afraid of a bit of grinding 💪🔥 In fact, I enjoy being productive in my spare time 🚗📦⚡ This is my path to financial freedom 🎯💰 It might take 15 years ⏳ It might take 20 years ⌛ But the goal is there 🎯 And that goal will never change 💯🚀

£1 A DAY CHALLENGE NASDAQ 100 TOTAL RETURN RESULTS SO FAR 📈

I absolutely love it when the market bleeds. All I see are discounts on my favourite ETFs and stocks. 📉➡️📈 If I can, I just keep adding whatever I can afford. Does it sometimes tank even more after I buy? YES!!! 😂 But I'm playing a long game. I've got at least another 15 years ahead of me, and every share I buy today is another step towards compounding my wealth tomorrow. Market drops don't scare me—they excite me. 🚀📈

📢 A quick note... Most of you know me from my investing posts, but I'm going to start sharing more of my fitness journey too. 🏋️‍♂️🏃‍♂️ I'm still building my future through investing, and fitness is helping me build the discipline, resilience, and mindset to get there. Today's run: 6 miles. ✅ No shortcuts. No magic formula. Just showing up, staying consistent, and putting in the work when nobody's watching. As I continue to get fitter, stronger, and healthier, I'll be sharing more of that journey alongside my investing content. The goal is simple: improve physically, mentally, and financially—one day at a time. Thanks for following along. 🚀💪

🚨 The biggest reason most people fail at investing isn't a lack of money. It's a lack of patience. People say they don't want to wait 15–20 years for results. They want to get rich fast, not rich slowly. The irony? 💡 Investing even £100 a month consistently over decades can completely change your financial future. Yet many people ignore it because the results aren't instant. I know this because I made the same mistake. I got impatient. Instead of focusing on growing my portfolio, I started chasing ultra-high-yield income ETFs because I loved the idea of receiving income every month. 💸 That monthly payout felt great. But every time the market dropped, I watched my account value shrink. The income looked attractive, but the capital erosion wasn't. Eventually, I realised I was focusing on the wrong thing. I'm not saying income investing is bad. It absolutely has its place. But you need to be extremely disciplined about the income vehicles you choose. For most investors, the priority should be growing the size of the portfolio first. Then let income work for you later. The truth is, many people aren't failing because they're making bad decisions. They're failing because they're impatient. They want results next month instead of next decade. 📈 Wealth is built through consistency. ⏳ Time is your greatest asset. 🧠 Patience is your greatest edge. Whether you're 20 and want financial freedom early, or 40 and want a stronger retirement, the formula is the same. Stay invested. Stay disciplined. Stay patient. Because investing isn't about getting rich next year. It's about making sure your future self has options. The people who win aren't usually the smartest investors. They're the ones who stay in the game the longest. 🚀 And yes... I still understand the dopamine hit of seeing a dividend land in your account every month. 😅 But I'd rather build lasting wealth than chase short-term excitement.

£1 A DAY CHALLENGE NASDAQ 100 TOTAL RETURN RESULTS SO FAR 📈

£1 A DAY CHALLENGE NASDAQ 100 TOTAL RETURN RESULTS SO FAR 📈

£1 A DAY CHALLENGE NASDAQ 100 TOTAL RETURN RESULTS SO FAR 📈

His favourite thing in the world? Balls. Any kind of ball 😂⚽🏀⚾🎾 Watch him try to name them all ❤️ My son OCEAN 🌊 NATHANIEL AMIAS LIBURD ❤️

£1 A DAY CHALLENGE NASDAQ 100 TOTAL RETURN RESULTS SO FAR 📈

£1 A DAY CHALLENGE NASDAQ 100 TOTAL RETURN RESULTS SO FAR 📈

🚀 Why I'm Bullish on JGGI 🌍💰 JGGI might be one of the most underrated long-term investments available to UK investors right now. ✅ Global diversification ✅ Quarterly income 💷 ✅ Exposure to some of the world's best businesses ✅ A 4% yield target ✅ Focus on total returns, not just dividends What makes it different? 🤔 Most income funds are packed with slow-growing companies. JGGI gives investors exposure to world-class businesses while still delivering regular income. 📈💰 The result? 🌎 Global exposure 📈 Long-term growth potential 💷 Quarterly cash flow 🛡️ Diversification ⚡ Professional active management I love investments that let me sleep at night while my money keeps working. One holding. Dozens of elite businesses. Growth income in a single package. 🚀 The combination of: 🔥 Quality 🔥 Growth 🔥 Income 🔥 Diversification is incredibly hard to find. This is why JGGI continues to earn a place on my watchlist for building long-term wealth. 💰📈🌍

£1 A DAY CHALLENGE NASDAQ 100 TOTAL RETURN RESULTS SO FAR 📈

🚀 MY PORTFOLIO & WHY I’M BULLISH 📈💰 A thread on the holdings I’m building around for long-term wealth 🧵👇 🇺🇸 IUMO ⚡ SMGB 📱 META 💻 MSFT 🏗️ CAT 💉 LLY 🛒 COST These are companies ETFs I believe can outperform over the next decade because they dominate industries the world depends on. 🌍 1️⃣ IUMO 📈🇺🇸 (iShares MSCI USA Momentum Factor ETF) This ETF focuses on the strongest momentum stocks in America. Why I’m bullish 👇 ✅ Captures market leaders automatically ✅ Historically momentum has outperformed long term ✅ Gives exposure to elite US businesses without needing to pick every winner ✅ Lets winners run instead of constantly rotating The US stock market has created enormous wealth historically, and momentum investing keeps you riding the strongest trends instead of fighting them. 🔥 2️⃣ SMGB ⚡🖥️ (VanEck Semiconductor ETF) Semiconductors are the backbone of the modern world. AI 🤖 Cloud ☁️ Gaming 🎮 Robotics 🦾 Autonomous driving 🚗 Military tech 🛰️ NONE of it works without chips. Why I’m bullish 👇 ✅ AI demand explosion ✅ Global chip demand rising for years ✅ Semis power the future economy ✅ Massive long-term secular growth I genuinely think semiconductors are one of the most important industries on Earth right now. 🌍⚡ 3️⃣ META 📱🤖 (Meta Platforms) One of the most misunderstood companies in the market. People think “social media.” I see 👇 ✅ Digital advertising dominance ✅ AI infrastructure ✅ WhatsApp monetisation potential ✅ Instagram monopoly-like engagement ✅ Massive cash flow machine ✅ VR/AR optionality with the metaverse Meta owns attention. Attention = money. 💰 Billions of users across Facebook, Instagram & WhatsApp gives them one of the strongest ecosystems ever built. And now they’re going all-in on AI. 🤯 4️⃣ MSFT 💻☁️ (Microsoft) Possibly the greatest business model on Earth. Why I’m bullish 👇 ✅ Azure cloud growth ☁️ ✅ Enterprise dominance ✅ AI leadership through OpenAI partnership 🤖 ✅ Recurring revenues ✅ Massive free cash flow ✅ AAA balance sheet quality Microsoft is deeply embedded into businesses globally. Windows. Office. Azure. GitHub. LinkedIn. The modern economy literally runs on Microsoft infrastructure. 🌍 5️⃣ CAT 🏗️🚜 (Caterpillar) A global industrial powerhouse. This isn’t just construction equipment. It’s infrastructure. Mining. Energy. Data centre expansion. Global development. Why I’m bullish 👇 ✅ Infrastructure spending worldwide ✅ AI data centres need energy construction ✅ Strong pricing power ✅ Global brand dominance ✅ Real-world economy exposure Everyone talks about tech… But the physical world still needs to be built. 🌎🏗️ 6️⃣ LLY 💉🧬 (Eli Lilly) One of the strongest healthcare companies in the world. The obesity & diabetes markets are enormous. Why I’m bullish 👇 ✅ GLP-1 drugs are game changing ✅ Huge demand globally ✅ Massive long-term healthcare trend ✅ Strong pipeline beyond weight loss ✅ Potentially one of the defining pharma companies of this generation Healthcare innovation can create gigantic wealth over decades. LLY is at the centre of one of the biggest medical trends in years. 📈💉 7️⃣ COST 🛒🔥 (Costco) One of my favourite business models EVER. Why I’m bullish 👇 ✅ Membership model creates recurring income ✅ Incredible customer loyalty ✅ Defensive during economic downturns ✅ Pricing power ✅ Efficient operations ✅ Cult-like consumer base People LOVE Costco. That loyalty is incredibly hard to replicate. It’s a simple business executed at an elite level. 👏 🎯 Overall Strategy My portfolio combines: ⚡ High-growth tech 🧠 AI exposure 💰 Strong cash flow businesses 🏗️ Industrial strength 💉 Healthcare innovation 🛒 Consumer resilience I’m not chasing hype. I’m building around businesses I believe can still be dominant 10-20 years from now while the power of compounding does the heavy lifting. 🚀📈