ACCOUNTANT EXPLAINS: The Smartest Order to Invest Your Money (2026)
Nischa 14:26
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In this video, I walk you through the exact order you should be investing your money, step by step. Because building wealth has very little to do with how much you earn and everything to do with doing things in the right order. I spent 13 years in finance, qualified as a chartered accountant and worked in investment banking for 9 years, and this is the framework I wish more people knew about sooner.
Whether you're just getting started or you've been putting it off waiting for the perfect moment, this one will change how you think about your money.
My products:
📶 Intentional Spending Tracker (free): https://nischa.me/ist
📙 Financial Wellbeing Toolkit: https://nischa.me/plan
Time Stamps:
0:00 — Intro
0:48 — The hidden tax most people never think about
1:25 — Why waiting to invest is more expensive than a bad investment
2:58 — Sonia vs Susie: the real cost of starting late
4:39 — Step 1: Building your runway (emergency fund)
5:51 — Why your emergency fund is also a psychology tool
6:44 — How much should your emergency fund actually be
7:09 — Step 2: The guaranteed return most people leave on the table
8:17 — Tax advantages inside your pension you might be missing
9:12 — Step 3: How to invest as tax efficiently as possible
10:27 — The tax efficient accounts available in your country
11:25 — Step 4: The bonus round (specialist government accounts)
13:13 — Step 5: The long game
DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support!
*T&C's apply
In this video, I walk you through the exact order you should be investing your money, step by step. Because building wealth has very little to do with how much you earn and everything to do with doing things in the right order. I spent 13 years in finance, qualified as a chartered accountant and worked in investment banking for 9 years, and this is the framework I wish more people knew about sooner.
Whether you're just getting started or you've been putting it off waiting for the perfect moment, this one will change how you think about your money.
My products:
📶 Intentional Spending Tracker (free): https://nischa.me/ist
📙 Financial Wellbeing Toolkit: https://nischa.me/plan
Time Stamps:
0:00 — Intro
0:48 — The hidden tax most people never think about
1:25 — Why waiting to invest is more expensive than a bad investment
2:58 — Sonia vs Susie: the real cost of starting late
4:39 — Step 1: Building your runway (emergency fund)
5:51 — Why your emergency fund is also a psychology tool
6:44 — How much should your emergency fund actually be
7:09 — Step 2: The guaranteed return most people leave on the table
8:17 — Tax advantages inside your pension you might be missing
9:12 — Step 3: How to invest as tax efficiently as possible
10:27 — The tax efficient accounts available in your country
11:25 — Step 4: The bonus round (specialist government accounts)
13:13 — Step 5: The long game
DISCLAIMERS & DISCLOSURES
This content is for educational and entertainment purposes only. Nischa does not provide tax or investment advice. The information is being presented without consideration of the investment objectives, risk tolerance, or financial circumstances of any specific investor and might not be suitable for all investors. Past performance is not indicative of future results. All investing involves risk, including the possible loss of principal.
This description contains affiliate links that allow you to find the items mentioned in this video and support the channel at no cost to you. Thank you for your support!
*T&C's apply
Category (YouTube): Education
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