Money Unshackled Blog
Latest Posts:

The Early Retirement Danger Zone | Hack The 4% Rule & Hold Onto Your Money Forever

Followers of the FIRE lifestyle will have heard of the 4% safe withdrawal rate and will be aiming to build
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Emerging Markets: Buy, Buy, Buy!

2021 has not been kind to Emerging Markets investments. While the developed nations have powered ahead on a wave of
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Getting to 200 Grand – What I’d Change About My £200k Portfolio

When you reach an investment milestone like £200k, it’s good to reflect on your achievements so far, but more important
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What We Discovered When We Analysed The S&P 500.

We all hear a lot of so-called facts that we just accept as gospel. Things like it takes seven years
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How To Reduce Your FIRE Number Or Bring Your FIRE Date Forward – Financial Independence

Ok so the plan is to become financially free asap. It’s what’s known as FIRE – financial independence, retire early.
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Future Investment Returns Are Expected To Be Dismal

How big will your investment returns be over the years ahead? We’ve seen some huge gains recently despite wider economic
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Reviewing My Property Empire – Is Buy-To-Let Still Valid In 2021?

Written by Ben I’ve been reviewing my property portfolio recently, in light of the covid pandemic. Over the last year,
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How To Build The Perfect Vanguard Portfolio

Vanguard is one of the best providers of index funds and ETFs. So much so, that Vanguard seems to have
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Want To Retire Early? Pick Your FIRE Strategy (FAT/LEAN/COAST/BARISTA)

The Financial Independence and Retire Early movement is not very old but it has gained a lot of traction in
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What Percent Of Your Income Should You Invest For Financial Freedom? | Planning For FIRE

What percentage of your income are you saving or investing each month? If you’re like most Brits, it won’t be
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Why Every Takeaway Costs You £1000 | The Huge Retirement Cost Of Spending Decisions Now

Today we want to get you thinking about the opportunity cost of your outgoings. The difference between a rich person
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Which Stocks & Shares ISA I’m Using In 2021/22

Written by Andy:  How do you choose the best Stock & Shares ISA for 2021? Whether you’re a seasoned pro
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Checklist For Financial Freedom!

“Let me tell you something. There’s no nobility in poverty. I’ve been a poor man, and I’ve been a rich
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ISA Year End Coming! Will You Join The 3%?

The tax year in the UK doesn’t run from January to December like a normal year. Instead, for arcane reasons,
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Should You Invest in Alternatives In 2021?

Stocks are expensive, property is expensive, bonds are expensive, and so is gold. Where else can investors turn to in
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Tax Dodging Strategy – No Dividend Stock Portfolio

These days everyone raves about index investing because it’s thought that fees are the deciding factor in how big your
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Don’t Invest Like Warren Buffett. Here’s Why

Warren Buffett needs no introduction. He has led the company Berkshire Hathaway for several decades now and turned it into
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Millionaires Invest In These Funds – Top Investment Trusts

If we want to become millionaires, then surely it makes a lot of sense to do what they do. Recently
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Top UK, US & EU Dividend Stocks For 2021 (With Trading 212 Pie)

If you want to invest in the very best dividend stocks in the world, you wouldn’t go far wrong by
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How To Become An ISA Millionaire

Surely everyone’s dream is to be an ISA millionaire – to have built up £1m in your ISA. Not only
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Quitting Our Jobs, Best Decision Ever – Why You Should Too!

6 months ago, we quit our jobs for the final time. No more staring at the clock waiting for 5pm.
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Only Buy Your Home If You Answer ‘Yes’ To These 6 Questions | Rent vs Buying UK

Is buying a property always better than renting? In the UK we’re obsessed with home ownership, and you’ll have heard
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Why Your Pension Is Failing You – SSAS/SIPP/Workplace Pensions

Unless you’ve taken a day to sit down and really review your pension situation, your pension is almost certainly failing
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These Small Cap Stocks Are Up 33% In 6 Months!

Small cap stocks are taking off! The MSCI World Small Cap Index has absolutely skyrocketed over the last 6 months,
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How Much Money We Make On YouTube With 30k Subs

How much money do small youtubers really make? We’ve all heard the stories of how some kid makes millions every
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The 3 Big-Money Side Hustles To Start In 2021 | £££

How can you make decent money outside of your job? The long-term solution that we tout on this channel is
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Super Stock Portfolio – Automated Stock Picking With Stockopedia (& Trading 212 Pie)

Most investors know that if they build a portfolio of index tracking funds and invest for the long-term, they will
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How Did Investors Do In 2020

2020 has been a year to forget – but on the flip side, stock market performance has been a rollercoaster,
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Should You Buy Premium Bonds

Should you buy Premium Bonds? Well, if you listen to your gran the answer will probably be yes, but if
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How Much People Saved & Invested In Lockdowns

Here’s another in our series of 2020 wrap-ups, this time looking at how saving and investing shot up for most
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What Age Do People Really Retire – Retirement Statistics

In the UK, the government recognises age 68 as the age that it’s reasonable to retire. That’s the age you
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Investing In The 2020s: Roaring 20s, or a Lost Decade?

A century ago, the 1920s exploded into a decade of prosperity and excess called the Roaring Twenties. Could we be
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Should The Minimum Wage Be Doubled? Pros and Cons

Should the UK minimum wage be doubled, tripled or perhaps increased just a smidgen? Or maybe you think it’s too
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State Pension UK – How Much Do You Get? Will It Still Be There For You?

When planning for retirement most people will be eligible to receive the state pension, but unfortunately understanding what and how
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Why The Debt Bubble Is Due To Burst – Inspired By Ray Dalio

It’s worth understanding how debt cycles work – the periods of time between financial collapses – so that we can
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Budget Like A Pro – The Complete Guide To Budgeting The Lazy Way

The thought of budgeting is enough to make the eyes of most people glaze over in boredom. We hear you
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Should Debt Be Cancelled? Debt Jubilee

Across the pond, there’s been talk that the new US president Joe Biden could cancel or forgive up to $10,000
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How and To Invest In China Stocks From The UK

One in six people on earth live in China, with populations of each of China’s mega regions by themselves the
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Triple Your Pension Income – Optimal Safe Withdrawal Rate

How big does your pension pot need to be? The answer comes down to how big your income needs to
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3 Super Stocks On Stockopedia For 2021

What’s our number one method of finding winning stocks – stocks that are going to generate double digits returns or
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