Post by Kevin Forde

NEW NEWSLETTER ARTICLE: Most people's financial tower is still standing. But standing and stable are not the same thing. Here is what a typical UK household's financial structure actually looks like when you map it honestly: ✅ Regular employment income — in place ✅ Mortgage or rent — covered ⚠️ Emergency fund — thin, or partial ❌ Second income stream — absent ⚠️ Energy and bills — probably overpaying ❌ Long-term financial plan — absent ✅ Pension — minimum contribution The tower is upright. But four or five blocks are missing. And the gap that consistently gets underestimated? A second income stream. Not because it is the most urgent fix. But because most people treat residual income as a luxury, when structurally it is a stabiliser — the thing that changes your margin when one unexpected thing goes wrong. This week's newsletter takes the Jenga metaphor properly apart. Which blocks are missing for most households. What realistic residual income actually looks like over six to twelve months (with real numbers, not projections). And why the right time to strengthen the tower is now — not when it is already leaning. Which block in your financial tower feels the most wobbly right now — and what would it take to strengthen it?