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This channel provides educational content on UK personal finance and investing from my perspective as a Nigerian expat. I share my personal experiences and insights on topics such as ISAs, ETFs, budgeting, saving, investment strategies, and navigating UK financial systems. This video reflects my own journey and is provided for informational purposes only. It does not constitute financial advice and I am not authorised by the Financial Conduct Authority (or any other regulatory body in the United Kingdom or elsewhere) to provide financial advice. Investment values can go down as well as up, and past performance is not a reliable indicator of future results. For personalised UK financial planning and investment guidance, always consult a qualified UK financial adviser. Ultimately, you are responsible for your own financial decisions. In this video, we'll discuss 5 things I would do differently to improve my finances if I was starting over in the UK. FREE STUFF 💎 Budget/Expense Tracker https://mygistnetwork.com/budget-expe... 💎 Book a call and let's chat! https://calendar.app.google/2YeXYMH6n... REFERENCES 💎 Video on ETFs - • How to Use InvestEngine – The Easiest Way ... 💎 High interest Savings Accounts - https://www.moneysavingexpert.com/sav... INVESTMENT PLATFORMS I USE 💎 Trading 212 for individual stocks - https://www.trading212.com/invite/HXj... 💎 InvestEngine for ETFs. See my portfolio here - https://investengine.com/share/portfo... VIDEO CREATION TOOLS 💎 Video Editing with AI (50% Discount) - https://descript.cello.so/ePYSEUoGv4B 💎 Canva - https://www.canva.com/join/xbc-pfl-ptx 💎 Idea Generation - https://vidiq.com/mygist 💎 Music from Pixabay, CreatorMix, or the YouTube music library 💎 Pictures and video clips from Freepik.com, Pexels.com, or Yarn.co 💎 Equipment - https://mygistnetwork.com/resources/ TIMESTAMPS 00:00 Introduction 00:09 #1. Start Early: Overcome Hesitation 01:44 #1b. Lump Sum vs. Dollar Cost Averaging 06:27 #2. Utilise Global Funds: A Simpler Approach 09:54 #3. Deprioritize Crowdfunding: Other Things Come First 11:56 #4. First Build An Emergency Fund 13:55 #5. Maximize Pension Contributions 18:52 Other Resources This is part of a series on the @MoneyGistUK channel on investing and growing wealth in the UK. Whether you're a new immigrant, or simply someone looking to improve their financial health, this guide offers practical steps to accelerate your wealth-building journey. Subscribe to stay updated on future #MoneyGist episodes: / @moneygistuk Please note that some of the links in this video are referral/affiliate links, meaning I receive a commission on qualifying purchases or payments made through them at no extra cost to you. I may also own shares in some of the companies mentioned in the video, but this does not influence my opinions or the content shared. Thank you for supporting the channel.