The Money Guide I Wish I Had
Iary Dell'ElceClear, practical money advice for people who want to understand their finances without the noise.
| Platform |  | Pricing | Freemium | Publishes | Twice weekly |
|---|---|---|---|---|---|
| Issues | 21 | Founded | 4 months ago | Last Issue | a month ago |
| Active | |||||
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themoneyguideiwishihad.substack.comLatest Issues
Student debt isn't a personal finance problem. It's a timing problem.
The average English graduate finishing their course in 2024 entered repayment owing £53,000. That number tends to produce a specific response: anxiety, a vague plan to “pay it off as fast as possible,” and a general sense that something nee...
UK borrowing costs at an 18-year high - the structural drag you can't optimise away
The 10-year gilt yield hit 5.1% in late March. That’s the highest it’s been since the 2008 financial crisis. It lasted only briefly before pulling back to around 4.85% by the end of the month, but the direction of travel is clear, and it ma...
Oil at three figures doesn't hit everyone equally
US and Israeli joint air strikes hit Iran on 28 February. Within days, tanker traffic through the Strait of Hormuz had collapsed. Brent crude rose as much as 50% to nearly $120 a barrel before pulling back - and still sits roughly 17% above...
Dollar-cost averaging: a behavioural solution to a financial problem
Dollar-cost averaging means investing a fixed amount at regular intervals, regardless of market conditions.
£500 on the first of every month. Same amount. Same schedule. Whether the market is up, down, or sideways.
You’re not trying to ti...
Your workplace pension is making risk decisions for you
Most workplace pensions quietly change risk over time using default assumptions. This explains what’s happening and when it may not fit you.
Your workplace pension exists in the background of your payroll. It takes contributions automatica...
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| Subscribers | Engagement | 73 | Monthly Web Visits | ||
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Authors
The writers behind this newsletter.
Name is pronounced YAH-ree. Writing about investing, incentives, and decision-making under uncertainty. Focused on structure, behaviour, and long-term compounding.
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