The Long Road

For people who earn an ordinary wage, support more than themselves, and were never taught any of this.

The Long Road is the plain-English path from not wanting to look at your money to a plan you wrote yourself. No promotion, windfall or cleverness required: just attention, applied steadily, in the right order.

Inside:

• The four pillars (Cash, Debt, Risk, Wealth) and why the order is everything

• The one-evening cash-flow audit that finds money you didn't know you had

• What insurance is actually for, and the cover most people pay for twice

• The horizon rule: there's no "best" investment, only the right home for each pot

• Index funds, fees and ISAs, explained without jargon

• Compounding, and the real cost of waiting

• Your first year in four blocks of ninety days

• A plain glossary, so financial articles stop reading like a foreign language

Follow Grace, a nurse in Birmingham who supports her parents in the Philippines.

53 pages · 6 fillable worksheets · PDF

Financial education, not regulated financial advice. All figures are illustrative. Investments can fall as well as rise.