He spent his first six years working in the finance industry without investing a single penny of his own money. Today, Joshua Raymond is the Managing Director of one of the UK’s fastest growing investment platforms and one of the most straight talking voices on how everyday people can start building real wealth.

11.6 million adults in the UK are ready to invest but still haven’t taken the first step. Anna sits down with Joshua to break down exactly what is stopping them, why the barriers are far lower than most people think, and why the most important shift is not financial but psychological. Investing, he argues, is just another form of saving. We just don’t see it that way yet.

From ISAs and ETFs to market volatility and the psychology behind our money decisions, these are exactly the conversations that Money and Us was created to have. No jargon, no overwhelm, just the clarity most of us have been waiting for.

Key Moments:

• The stat that will surprise you: 11.6 million UK adults are ready to invest but haven’t started yet
• Why Joshua spent six years working in finance before investing a single penny himself
• The catch and throw analogy that explains everything you need to know about long term investing
• Why investing is just another form of saving and how that one realisation changes everything
• The biggest blockers stopping people from investing and how to overcome them
• What to do when markets are volatile and headlines are scary
• How to actually start investing, step by step, from choosing a broker to making your first deposit
• What wealth means to Joshua, and why his answer is about comfort, not luxury

Chapters:

00:00 Intro

00:00:56 Fact or Fiction: 11.6 Million People Want To Invest

00:02:36 How Joshua Ended Up in Finance

00:04:24 Why He Waited 6 Years Before Investing

00:08:24 What XTB Actually Does

00:12:08 Why Covid Changed Investing Forever

00:16:24 Why Investing Should Be As Normal As Buying Coffee

00:20:13 Why Your Savings Could Be Losing Value

00:23:42 The Biggest Mistakes New Investors Make

00:26:35 What Happens When Markets Crash?

00:29:25 Why Millions Still Haven't Started Investing

00:32:26 Why Starting Small Beats Waiting

00:34:00 Why Joshua Is Terrible At Trading

00:37:20 Trading vs Investing: What's The Difference?

00:40:09 The Fear Of NOT Investing

00:44:26 A Beginner's Step-By-Step Guide To Investing

00:48:03 What Should You Invest In First?

00:51:08 You Don't Need Thousands To Start Investing

00:53:05 The Biggest Investing Myths Debunked

00:58:30 How To Build Wealth Over Time

01:03:45 Final Advice For First-Time Investors

01:06:00 Final Thoughts

Follow Joshua Raymond at XTB:

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Facebook - https://www.facebook.com/xtb/?locale=en_GB

X - https://x.com/XTBUK

LinkedIn - https://www.linkedin.com/company/xtb/

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LinkedIn - https://www.linkedin.com/in/annajoybrading/
Website - https://www.mentoramoney.com

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Sponsor:
XTB - https://geolink.xtb.com/FKPRM

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