Everyone, at some point, has wondered: “What if I had just invested that £100 instead of spending it?” It’s a simple question, but one that illustrates the single most powerful idea in personal finance — the effect of time on money.

Saving is not simply about storing money; it’s about creating financial capacity — the ability to take opportunities when they arise. For many, the barrier isn’t how much they earn, but how consistently they save. Start small. If you can set aside £50 or $50 every month, do it

AI is still in its infancy — just like the internet was in 1995. Those who understand the long-term potential and invest wisely today may look back in 10 years and realize that the foundations of their financial freedom were built now.