about

hi, i’m toby! i created ‘Nought to Retired’ to document my experience and get people excited about saving & investing. i’m not affiliated with any bank or financial firm

normal people get scared-off investing by the closed circle of jargon spitting number-nerds, and the dubious investment apps that are essentially gambling. and together with the increasing expense of living, they begin to believe all hope of saving is lost

but this is not true, you can save up quite a lot actually! i want to point you in the right direction so you can save, and make an informed choice about investing