Most people believe they don’t build wealth because they don’t earn enough. In reality, behaviour—not income—is the true differentiator. This article explores what’s really holding people back and how consistent, intentional habits can change financial outcomes over time.

A clear, step-by-step guide for UK teenagers who want to invest responsibly. Learn what investing means, the legal ages (Junior ISA, Stocks & Shares ISA, LISA), simple low-fee portfolio options, how to turn part-time wages into long-term gains, and practical examples showing what £50–£100/month can become over decades.