Chris Exley Money Geek

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šŸ‘Øā€šŸ« Teaching The Money Skills School Didnā€™t
šŸ‘” Sharing Knowledge of 10Yrs in UK Finance
āš ļø This Page is for Education, NOT ADVICE
šŸ JOIN THE ADADEMYā€” moneygeek.uk
šŸ†“ FREE TOOLS ā€” moneygeek.uk/forecast Logging in daily to teach you the money skills school didn't.

9 years in financial services | Business Owner |

DM to find out more about how we can help you master your finances.

āš ļø Education, not financial advice āš ļø

16/10/2026

STRATEGY: 2027 TAX CHANGES šŸ‡¬šŸ‡§

Iā€™ve worked in finance for a decade.

And tax changes always happen.

And like clockwork, when the rules change, so does behaviour.

With the right plan in place, none of these changes need to be anywhere near as consequential as theyā€™re made out to be.

When the law changes so should your strategy.

āš ļøĀ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions.

13/10/2026

MY (HOT) TAKEā€¦

First itā€™s worth saying I think itā€™s important that working parents have financial independence - that goes without saying.

Your contribution to the household should be reflected.

However, pension tax relief doesnā€™t work on a household basis.

This is a problem with the system.

It means that for a working parent earning Ā£120k - a Ā£1000 pension contribution will effectively claw back 60% tax.

And it if was taken as income and paid into the non-working parents pension instead - well thatā€™d only get 20% relief.

So youā€™ve got to weigh up the cost of achieving financial independence through the pension logically in my view.

It could, for example, make sense for the stay at home parent to look after the ISAs.

Itā€™s also worth bearing in mind that this is a massive benefit to business owner couples - being able to spread things more evenly.

Let me know your thoughts in the comments below!

āš ļøĀ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions.

An entire financial lifeā€¦What would you do different? Comment MAP for the sheet.āš ļøĀ This content is not financial advice ...
11/10/2026

An entire financial lifeā€¦

What would you do different?

Comment MAP for the sheet.

āš ļøĀ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions.

10/10/2026

This is the most expensive mistake you could make.

But it wonā€™t cost you moneyā€¦

Whatā€™s your view on this?

āš ļøĀ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions.

It might be a bit controversial to say thisā€¦But I speak to people every week on 6 figures living month to month. It isnā€™...
08/10/2026

It might be a bit controversial to say thisā€¦

But I speak to people every week on 6 figures living month to month.

It isnā€™t what it used to be.

Sadly car repairs, boiler breakdowns and unexpected bills end up on credit card.

āš ļøĀ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions.

07/10/2026

COAST FIREā€¦

It sounds great.

And the concept does make sense.

The problem I have are the assumptions behind it.

Often 8% net returns - that works based on 10 years of market data - not so much when you look further back.

Here I put it to the testā€¦

Let me know your thoughts.

āš ļøĀ This content is not financial advice and should be used for educational purposes only. We recommend you do your own research and consider taking personal advice before making any financial decisions.

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