- Insights

Decisions worked as totals.
Milestones tied to real rules.

This section exists for two kinds of clarity: single money decisions compared honestly (totals over the term, all exits shown), and the net-worth milestones where UK tax rules actually change underfoot. Everything here follows the same discipline as Real numbers: assumptions first, versioned figures, machine-checked sums.

Decisions Milestones
- Lane one

One decision, both routes worked.

Money decisions are usually sold on one flattering number. These pages redo the comparison as totals, with every exit route and its real cost side by side.

Car finance
PCP or cash: the three-year arithmetic.
A £28,000 car, three exit routes, three different real costs behind one £365 monthly. Totals, not monthlies.

Worked comparison · 4 min read
Investing
Switching platforms: the £6,480 question.
In-specie or cash decides whether a platform move is paperwork or a taxable disposal. Four hidden costs, worked on £100,000.

Worked comparison · 4 min read
From Real numbers
Pay off the mortgage or fund the pension?
The classic £500-a-month fork, worked both ways with the tax relief included.

Worked comparison · 6 min read
- Lane two

Milestones with rules underneath.

Round numbers matter psychologically, and several of them coincide with actual UK thresholds. This lane maps the ladder.

The ladder
Why £100k feels different.
The first £100,000 takes 12 years in the illustration; the fifth takes 3. Plus the five UK thresholds that make milestones real: the savings allowance, the taxable portfolio line, the £100k income cliff, £325k, and the £1m couple line.

Chart + threshold ladder · 6 min read
Keep current
What changed: the rule feed.
Thresholds move. The dated feed tracks every change with an Enacted, Announced or Rumour label and a last-verified date.

Dated feed · updated as rules move

Information and guidance only. Not personal advice. All examples use fictional personas and illustrative rates; investment values can fall as well as rise. Figures from rules bundle UK-2026.1.1 (2026/27). Verify decisions with a qualified FCA-authorised adviser before acting. Published 7 August 2026.

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