On Losing Everything 

Have you ever gone through a complete life overhaul? 

Losing money, your job , house, health and love amongst other things can be daunting, overwhelming and stressful!!!

I'm just back for a COMPLETELY NECESSARY trip to a supermarket.

And... something dramatic happened.

So, okay, looks like we're going to have a little bit of a THREAD.

Buckle up for an unbelievable anecdote that gets to the heart of London life in this nightmarish pandemic.

(I won't name the supermarket, NOT because I don't want to shame the members of staff [I will be doing that privately by reporting their actions to the police later today - as soon as I've finished tweeting this thread], but because I don't want to give them free advertising.)

Okay, right. I'm still shaking so I'm struggling to write this out. I've opened a bottle of Campo Viejo Rioja (an underrated affordable offering which is currently on special offer at Tesco) to steady my nerves. No shame in that.

So. Yes. I was walking down the dairy aisle...

I saw a northerner.

(apologies for the delay, I'm on the phone to an upset friend - her husband of 15 years has just confessed to an affair with her own sister. It's not really the sort of situation where you can say, "Excuse me Julie, awfully sorry but I'm writing an incredible thread on twitter!")

https://t.co/Uejb3Ng30u

How to Build Wealth

10-Step Formula to Riches

// Thread //

1. Live like an Undercover Millionaire

Income ≠ Wealth

How to live like an undercover millionaire:

- Spend less than you earn
- Avoid buying fancy clothes
- Avoid buying new & fancy cars

To feel rich, count the things in your life that money can't buy.

2. Always Look Ahead

To build a strong financial future, break down your goals into 3 categories:

- Short term goals (1 to 5 years)
- Mid term goals (5 to 10 years)
- Long term goals (10+ years)

Understand your goals and build a plan of action.

Make your goals a reality.

3. Become the Household CFO

Assign a purpose to every dollar.

How the wealthy budget:

- 529 plans
- Business accounts
- Retirement accounts
- Emergency savings fund
- Joint / Individual accounts

Want to budget stress free?

Automate the process.

4. Pay Yourself First

You might catch the famous Warren Buffet mentioning this phrase during his investment talks.

This means:

- You save/invest
- You pay your bills
- You spend the money that’s leftover

Save and invest first, before you spend money.

It's that easy.

Dear Jaime,

3 years ago your voice was silenced. I sent you and your brother to school to safely learn. I rushed you out the door that morning never expecting what would happen next. A school shooting!!! You were 14 and only a freshman in High School.

(1,11)

(2,11) Your brother Jesse survived…you did not.

You are on my mind every second of every minute of every day. I constantly relive your last seconds in my mind. Did you suffer? I will never know, but I fear that you did. Did I do enough to protect you?

(3,11) The answer is… No!!! I did not… and for that I will carry guilt for the rest of my life. My voice was not fighting the evil of gun violence before it was my daughter and for that I am sorry.

Today you should be a senior in school. We should be celebrating love.

(4,11) We should be looking at your senior pictures with you, watching you excitedly apply to colleges and helping you decide where to go. We should be excitedly looking forward to prom and I should be thinking about the advice I want to give you at graduation.

(5,11) While I am so happy to see all of your friends have these experiences, it breaks my soul to know that you are not part of that. Mom, Jesse and I won’t be able to watch you experience this with them. Every time I see posts with senior photos and college acceptances,