Joined July 2022
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Pinned Tweet
May 23
The easiest way to stop hating your life is to grab it by the balls and take action.
That starts by owning your income and making money which governs everything you do in your life.
If you want help doing that, I recommend this tool:
jointherealworld.com/?a=tklj…
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Sonny retweeted
Jun 13
Saturday morning is the unpaid shift the job doesn't write into your contract.
You wake up at 8 because your body won't let you sleep in any more. You drag yourself to the shower, put a wash on, throw the bins out, drive to Tesco for the big shop, queue 15 minutes at the till, come home, unload, hoover the lounge, change the bed, and open the post you've been ignoring all week.
It's 1pm. You haven't sat down. The free time you actually planned starts after lunch, and you're already knackered.
Your employer pays you for 37.5 hours a week. They're getting the other 30 for free.
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Sonny retweeted
Jun 12
Owning a £400,000 house with a £350,000 mortgage in the UK in 2026 means signing a 25-year contract to give the bank around £2,050 a month, in exchange for the right to maintain a building you'll spend another £4,000 a year keeping dry, warm and structurally sound.
At a 5% fixed rate, the total interest over the life of the mortgage is around £264,000. The total mortgage cost ends up at roughly £614,000.
The price tag on the front door says £400K. The actual cost of living in it for 25 years is closer to £750K, before council tax, repairs, insurance and the new boiler.
This is what the country has been calling 'getting on the ladder.'
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3. You're a married couple where one of you earns under the personal allowance.
The fix: claim the Marriage Allowance. The lower earner transfers £1,260 of their personal allowance to the higher earner, saving the higher earner £252 a year.
You can backdate the claim 4 years — over £1,000 in cash you can claim today.
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Most people lose more to small tax inefficiencies every year than they could save in a decade of switching energy provider.
The reliefs are all published on gov.uk. They just rely on you never finding out they're there.
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If this was useful, follow for more like it.
Each week I share practical content on keeping more of what you earn, building skills people pay for, and starting to earn outside your 9-5.
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2. You haven't used your £20,000 Stocks and Shares ISA allowance this year.
The fix: open an ISA with Vanguard, InvestEngine or Trading 212. Even £50 a month shields all future gains and dividends from capital gains tax and dividend tax, forever.
The annual allowance resets on 6 April and doesn't roll over. Use it or lose it.
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5 ways the UK tax system silently takes £10,000 off you every year, and how to plug each leak this week.
Save this thread.
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1. You're a higher-rate taxpayer who hasn't claimed your full pension relief.
The fix: if you're in a relief-at-source pension (most personal pensions and SIPPs), log into your tax account or write to HMRC and claim the additional 20% via Self Assessment or a P810 letter. You can go back 4 tax years.
The average higher-rate worker is owed £600-£2,000 in backdated relief.
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5 ways to add £500-£1,000 a month to your income in the UK in 2026, without quitting your 9-5.
Save this thread.
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None of these will replace your salary in month one. All of them put real money in the account by the end of the first month, and teach you how a business actually works.
Pick one. Start this week.
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If this was useful, follow for more like it.
Each week I share practical content on keeping more of what you earn, building skills people pay for, and starting to earn outside your 9-5.
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