how i blocked £50k in wealth creation
The FHG show is here!!!
The time has finally come: the financial hot girl show has landed! It’s all about the secret tax I was paying from the moment I was earning my own money.
If I had to make an educated guess… it’s cost me over £50k in lost wealth creation. Tough pill to swallow, personally.
P.S. This isn't about frivolous spending, it's about the wealth you never create when you don't trust yourself with money.
Also in this issue:
Hi financial hot girls, I’ve missed catching up! I need to film a TikTok or something to fill you in on the last 6 weeks: post-project 60, Argentina, Brazil and weddings!
This past weekend, I had the pleasure of attending a friends wedding. It was one of the best weekends ever—a Scottish wedding, so plenty of ceilidh dancing, kilts and homemade shortbread.
I rented my dress from ByRotation and got so many compliments, to the point I’m considering investing in this Solace London number!
It was also a reminder of the fact that we are most definitely in the good old days. I’m living through the stories I’ll share when I’m old and wrinkly (hopefully) and sometimes we do need to slow down and realise that.
Hope you enjoy the rest of the issue,
Devamsha xo
The hidden tax on life
If you don’t feel confident in yourself, it creates a secret tax on everything. It starts with the ‘confidence gap’. This confidence gap shows up as:
Decision paralysis: endless research but never taking action
Delegation default: handing financial control to others despite your strong capabilities
Playing small: Keeping money "safe" while it loses value to inflation
I’m someone who dealt with multi-million pound company accounts in my previous job but froze when investing £100 of my own money… I've paid this tax too.
The breakthrough I had was realising that confidence transfers across domains. When I was getting better with money, I was building discipline in the gym. That discipline bled into my financial habits without me intentionally trying to be more financially disciplined.
This isn't coincidence—it's how confidence works on a neurological level. And we’re talking all about it on the debut of the Financial Hot Girl show:
The quickest way to build wealth
Something I wish I knew earlier was that I don’t have to invest through a stocks and shares ISA. Investing with your salary means keeping costs low and getting to a point where you have the excess funds to invest for 10+ years.
Let’s also talk about employee equity. Yes, it comes with risk. Start-ups and smaller companies are less stable than your typical 9-5 setup.
But having witnessed redundancies at companies I thought were safe, I realised that risk is everywhere. But your confidence and ability to learn quickly, adapt and make educated decisions on where to work matters more. We’re not living in the same age as our parents where jobs were harder to come by.
We’re not living in our parents’ job market anymore. Back then, it was all about landing one “good job” and clinging to it for life. Today, equity is more accessible than ever.
It might not feel like it in the thick of job rejections or imposter syndrome (I’ve been there), but owning a slice of the company you work for is a modern-day wealth opportunity — especially when you don’t yet have a high salary or the perfect ISA strategy.
What I listened to this week
I also thoroughly enjoyed:
This episode on the ‘inheritocracy’ and how the wealth gap exists in weird, cultural ways
A Shameless podcast episode that touched amazingly on female roles, money and shame around earning
Soundbites you missed out on 🎧
69. What They Don’t Tell You About Assets, Net Worth & Financial Freedom
Double Life · Episode
Farah and I spoke all about the reality of building wealth, net worth and what financial freedom actually is for us (as people who are building from 0). Listen here!
Let me know what you think of the show and have a great week!
Devamsha xo