Don't Wait: The £55,979 Investment Mistake You're Making

In this video - DON'T miss out on £55,979? This Is Your Investment Wake-Up Call - we break down the incredible power of compound interest — what Albert Einstein famously called the “eighth wonder of the world.”

Welcome to the  @Simonmoneymatters  channel where we will make money make sense.

#financialfreedom #financialeducation #retirement #investing

If you're wondering how to build wealth, grow your retirement savings, or finally start investing, this is the place to start.

We’ll cover how compound growth works, why time beats money, and how delaying your investments can cost you more than you think.

You’ll learn about two example investors — one who starts early and stops after 10 years, and another who starts late and invests for 30 years — and see how the early starter still ends up with more.

This is the magic of exponential growth and the financial cost of waiting.

With average returns of 7% per year (backed by the FTSE All World Index), you’ll see how starting young and staying consistent can generate hundreds of thousands of pounds in long-term growth, even with small monthly investments.

We'll also tackle some of the most common excuses people give for not investing:

“I don’t have enough money” - WRONG

“I’ll start when I earn more” - WRONG

“Investing is too risky” - WRONG

And we’ll explain why doing nothing is actually riskier, especially with inflation eroding savings in low-interest bank accounts. We reference the £276 billion sitting in UK "zombie accounts", earning almost nothing, and show why action beats hesitation every time.

Whether you're just starting your investment journey or want to maximise your retirement pot, this video is packed with practical tips and motivation.

From setting up a SIPP or stocks & shares ISA, to using low-cost index funds, we show you how to get off the bench and into the game — even with as little as £25 per month.

We also explore how monthly investing helps reduce risk, smooth out market fluctuations, and build a resilient financial habit over time.

Automate your savings, remove emotion, and let compound interest work in your favour.

Stay to the end for bonus tips on how to access your 25% tax-free cash from your pension, and clever ways to stretch that cash further than you thought possible.

If this video helps you understand the value of time, consistency, and starting early, please like, subscribe, and drop a comment below about your investment journey or questions you’d like answered.

CHAPTERS

00:00 Introduction
01:47 Why should I start investing early?
03:37 FTSE 25 year investment performance
04:06 How much to save to get £500K?
05:06 How time always beats money
06:32 Common excuses why NOT to invest!
08:23 Pro tips to get saving & investing

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