u/Secure_Beginning_939

Hi all,

I’ve been thinking about investing in a new mattress, as we spend roughly a third of our lives asleep. I’ve been looking at a few options and came across the Simba Hybrid Ultra Mattress.

Has anyone had any experience with it, or could you recommend any other mattresses worth considering?

My main goals are better sleep quality and helping to reduce the risk of back or neck pain, especially as I’m 23 and want to look after my posture long term.

Thanks in advance for your time and any suggestions!

If you were 23 again today, what would you do step by step to build wealth and reach financial independence while still enjoying life?

What would you focus on first

What would you avoid completely

And what would you not waste time on at all

I’d really appreciate hearing from people who’ve been through it and learned along the way

If you were 23 again today, what would you do step by step to build wealth and reach financial independence while still enjoying life?

What would you focus on first

What would you avoid completely

And what would you not waste time on at all

I’d really appreciate hearing from people who’ve been through it and learned along the way

If you were 23 again today, what would you do step by step to build wealth and reach financial independence while still enjoying life?

What would you focus on first

What would you avoid completely

And what would you not waste time on at all

I’d really appreciate hearing from people who’ve been through it and learned along the way

If you were 23 again today, what would you do step by step to build wealth and reach financial independence while still enjoying life?

What would you focus on first

What would you avoid completely

And what would you not waste time on at all

I’d really appreciate hearing from people who’ve been through it and learned along the way

If you were 23 again today, what would you do step by step to build wealth and reach financial independence while still enjoying life?

What would you focus on first

What would you avoid completely

And what would you not waste time on at all

I’d really appreciate hearing from people who’ve been through it and learned along the way

If you were 23 again today, what would you do step by step to build wealth and reach financial independence while still enjoying life?

What would you focus on first

What would you avoid completely

And what would you not waste time on at all

I’d really appreciate hearing from people who’ve been through it and learned along the way

If you were 23 again today, what would you do step by step to build wealth and reach financial independence while still enjoying life?

What would you focus on first

What would you avoid completely

And what would you not waste time on at all

I’d really appreciate hearing from people who’ve been through it and learned along the way

If you were 23 again today, what would you do step by step to build wealth and reach financial independence while still enjoying life?

What would you focus on first

What would you avoid completely

And what would you not waste time on at all

I’d really appreciate hearing from people who’ve been through it and learned along the way

Hi everyone,

I’m 23 and have been investing consistently since September 2025. I’ve managed to build my portfolio to around £13k so far.

I probably would’ve been a lot further ahead if I hadn’t lost a fair bit of money in crypto. Looking back, I wish I’d just invested that money instead and let it compound over time because I’d be much closer to my goal of £100k. It was an expensive lesson, but definitely one I’ve learned from.

If you could go back to when you were 23, what advice would you give yourself about investing or personal finance? I’d love to hear what worked for you, what mistakes you made, and anything you wish someone had told you when you were starting out.

Thanks everyone, I really appreciate anyone who takes the time to share their experience.

Hi everyone,

I’m 23 and have been investing consistently since September 2025. I’ve managed to build my portfolio to around £13k so far.

I probably would’ve been a lot further ahead if I hadn’t lost a fair bit of money in crypto. Looking back, I wish I’d just invested that money instead and let it compound over time because I’d be much closer to my goal of £100k. It was an expensive lesson, but definitely one I’ve learned from.

If you could go back to when you were 23, what advice would you give yourself about investing or personal finance? I’d love to hear what worked for you, what mistakes you made, and anything you wish someone had told you when you were starting out.

Thanks everyone, I really appreciate anyone who takes the time to share their experience.

Hi everyone,

I’m 23 and have been investing consistently since September 2025. I’ve managed to build my portfolio to around £13k so far.

I probably would’ve been a lot further ahead if I hadn’t lost a fair bit of money in crypto. Looking back, I wish I’d just invested that money instead and let it compound over time because I’d be much closer to my goal of £100k. It was an expensive lesson, but definitely one I’ve learned from.

If you could go back to when you were 23, what advice would you give yourself about investing or personal finance? I’d love to hear what worked for you, what mistakes you made, and anything you wish someone had told you when you were starting out.

Thanks everyone, I really appreciate anyone who takes the time to share their experience.

Hi all,

I’ve been seeing a lot of people saying that we’re in an AI bubble. More recently, I watched Jeremy Grantham say he believes we’re heading for another market crash. From what I’ve read, many of his previous predictions have eventually come true, although sometimes it took months or even years.

Do you think history could repeat itself? Is it possible he went on the podcast to warn people without explicitly saying a crash is imminent?

I’m curious to hear everyone’s thoughts and what your investing approach is at the moment. Personally, I just invest in a global all world index fund and DCA every month, regardless of market conditions.

Thanks in advance. I appreciate your time and look forward to hearing your views.

Hi all,

I’ve been seeing a lot of people saying that we’re in an AI bubble. More recently, I watched Jeremy Grantham say he believes we’re heading for another market crash. From what I’ve read, many of his previous predictions have eventually come true, although sometimes it took months or even years.

Do you think history could repeat itself? Is it possible he went on the podcast to warn people without explicitly saying a crash is imminent?

I’m curious to hear everyone’s thoughts and what your investing approach is at the moment. Personally, I just invest in a global all world index fund and DCA every month, regardless of market conditions.

Thanks in advance. I appreciate your time and look forward to hearing your views.

Hi all,

I’ve been seeing a lot of people saying that we’re in an AI bubble. More recently, I watched Jeremy Grantham say he believes we’re heading for another market crash. From what I’ve read, many of his previous predictions have eventually come true, although sometimes it took months or even years.

Do you think history could repeat itself? Is it possible he went on the podcast to warn people without explicitly saying a crash is imminent?

I’m curious to hear everyone’s thoughts and what your investing approach is at the moment. Personally, I just invest in a global all world index fund and DCA every month, regardless of market conditions.

Thanks in advance. I appreciate your time and look forward to hearing your views.

Do you want to get up to £100?

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https://www.trading212.com/invite/GcGwwojq

Hi all,

I’m looking to get back into badminton and was wondering if anyone knows of any clubs that run evening or weekend sessions. I’m ideally looking for somewhere I can play casually, but I’d also be interested in the opportunity to compete from time to time.

Thanks in advance. I really appreciate any recommendations!

Hi everyone,

I’m currently invested in a single ETF, an all-world fund, and I’ve recently crossed the £10,000 mark. I was wondering whether it would make sense to add a small-cap ETF, as my current fund only includes large- and mid-cap companies.

I also remember seeing that Vanguard is planning to launch a Global All Cap ETF. Would it be worth waiting for that, then selling my current holding and moving everything into the new fund instead?

I’d be interested to hear your thoughts and opinions on this.

Thank you for your time.