What Net Worth Puts You in the Top 10%?

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Today I want to look at what net worth gets you into the top 10% of richest families in the UK and also see how the components of that differ between sections of society.
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Links from this video:
For a summary of everything you can get that here with my newsletter:
financialinterest.com/net-worth/
Nimble fins data:
www.nimblefins.co.uk/savings-...
ONS chart
www.ons.gov.uk/peoplepopulati...
Paper from the video:
onlinelibrary.wiley.com/doi/1...
This is money:
www.thisismoney.co.uk/money/m...
Investopedia article:
www.investopedia.com/insights...
Timestamps:
00:00 - Pie
02:20 - What net worth?
03:15: Missing wealth
04:13 - Where everyone keeps their money
06:58 - Sponsor
08:32 - Financial Assets
08:56 - Home
10:05 - The missed opportunity
12:00 - Risk
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DISCLAIMER: I am not a financial advisor and none of the content on this channel is financial advice. All information is provided for educational/entertainment purposes. If you are making investment or other financial decisions and require advice, please consult a suitably qualified licensed professional.

Опубликовано:

15 июн 2024

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Комментарии : 609

@DamienTalksMoney 4 месяца назад

@marcus.H 4 месяца назад

Very good video. "What Net Worth Puts You in the Top 10%?" What if we excluded the tiny number of super rich households that skew the real figures? To me, that's the true figure. What is that number??

@DamienTalksMoney 4 месяца назад

@@marcus.H Very hard to say because basically the richest do not report their wealth as i tried to show around 800 billion is missing.. Which is this richest cohort and that makes up nearly 1/20th of total wealth in the UK which is AWOL

@marcus.H 4 месяца назад

@@DamienTalksMoney I see I'll ask bing. Brb

@sang3Eta 4 месяца назад

Thatchers much maligned Right to Buy your council house helped the poor leave a rent and mortgage free life to their children. The poor stay poor because they don't inherit any assets.

@sang3Eta 4 месяца назад

The chart on inequality shows that gold and silver as money benefits the poorest in society. 1913 it ended to fund WW1 and 1971 Nixon eneded the last vestiges of gold backed money, then inequality really took off. Only the rich know how to invest to benefit from the inflation that debt slave backed money brings.

@knappster1754 4 месяца назад

Risk management needs to be taught in school. People take huge risks everyday without realising it, and then shy away from fairly minor risks.

@user-pn2cg7kp2l 4 месяца назад

Maybe damien could follow jamie's school dinners with damien's school finance if theres a big problem in teaching financial knowledge in schools.

@bobbydwheelhouse 4 месяца назад

It’s not taught in school so people just take the safe option and work for people rather than working for themselves, making others wealthy.

@stumac869 4 месяца назад

Basic maths would be a good start because many that leave school don't even achieve that.

@smartandsimpleSNS 4 месяца назад

I risk my liver every day ✌️

@esmeecampbell7396 4 месяца назад

@@user-pn2cg7kp2l that fucker took my Turkey Twizzlers 😂 What would Damien take from us? Lol

@Mallarkey 4 месяца назад

14:25 I ageee! "The Miracle of Compound Interest." Last 20 years teaching Secondary School Maths I've always tried to slip in as much financial maths as I could get away with, but it should be explicitly taught. Credit, mortgages, pensions, tax, investing. Teenagers are rarely as 'interested' in the lessons as when we cover compounding.

@DamienTalksMoney 4 месяца назад

You are a hero of a teacher! Why do they not speak to people like yourself and ask what would benefit the kids the most. Thank you for the work you do

@mrmeldrew693 4 месяца назад

@@SK-kh2rsI'll tell that to the bank at the start of next month when they want February's mortgage payment.

@stumac869 4 месяца назад

Keep it up because without understanding such basic concepts many will get ripped off by the establishment.

@bigboldbicycle 4 месяца назад

@@SK-kh2rs Sure, money isn't everything, and enjoying life is important. However, money is a great way to help you get what you want and need to enjoy life. As people say, money isn't everything, but without money, you are nothing.

@Jimmy_Jones 4 месяца назад

@@SK-kh2rstell that to the kids that get kicked out by their parents and need to somehow afford to live.

@user-jt5yi3ly5w 4 месяца назад

I am a professional risk manager with experience in risk consultancy, UK government and private sector including banking and defence. The one thing almost everyone gets wrong is that risk is wholly negative and that scares people into not taking any. Risk management should properly be called risk and opportunity management and anyone thinking about risk should focus equally on opportunity. Not just what could go wrong and how can I avoid it, but how can it go right and how can it make that outcome both more likely and more beneficial.

@DamienTalksMoney 4 месяца назад

Exactly this! I am glad a professional of your calibre agrees with the sentiment of the video

@ChuckleVision7 4 месяца назад

Great insight..! I'm using that as my reply to every short sighted ney sayer at work next week.. 🫡

@amitray6614 4 месяца назад

What a great point - Risk and Opportunity Management 👍

@Broadswords 4 месяца назад

Def needs more education on risk, but also negotiation topics, the value of contracts and what to look out for and some of the pitfalls, also developing a plan if not strategy. It’s never mentioned but there is often a big difference in attitude applying toward ‘own money’ versus company money, I’ve seen people more than happy to go outside of process to obtain goods & services without contractual cover, without negotiating, having work undertaken or software installed then go wrong and in doing so generally opening the company up to massive risk, yet wouldn’t dare be so reckless in their own world.

@atul9380 4 месяца назад

I work at a big charitable foundation and we are changing terms like ‘Risk Register’ to ‘Risk and Opportunity Register’ to take into account the fact that our grant making has big risks but also big benefits and it has changed the perspective of how we engage with partners

@kw8757 4 месяца назад

Another 16 minutes and 16 seconds of education, enlightenment and entertainment, thanks Damo.

@ianboyd9723 4 месяца назад

If you haven’t got the aptitude or focus to start and be successful in business, then at least buy chunks of other peoples businesses, who do have that focus and aptitude.

@DamienTalksMoney 4 месяца назад

This

@dpspeedy 4 месяца назад

Loved the 3.14159 reference, very subtle but a stroke of genius 👌

@rosalindcharles8918 4 месяца назад

Made my mathematical heart sing.

@jonathangiles4854 4 месяца назад

Reminds me of when I had an open day at Durham Uni, and the first thing they said to the room was “I know most of you will have applied to Oxford and Cambridge”. I was moving in different circles 😂

@asgriffith 4 месяца назад

That pie bit needs to be a Short, absolutely stellar opening

@bigboldbicycle 4 месяца назад

short crust...

@sammy_sam_leonardo 4 месяца назад

You’ve been killing it with your videos recently, Damien. Top work 👍🏼

@JulietVorster 4 месяца назад

Thanks for this. I’ve been sending your videos to my 18 and 22 year old nieces. They don’t have much yet, as they are both students, but no one in our family has ever talked about this kind of information. They will have resources soon, and I wish someone could have told me about this stuff 35 years ago. I’m also going to be teaching this stuff to my grandson when he’s a little older. This is one way of breaking the generational poverty chain. Thanks again. Keep doing what you do.

@jamesmulrooney3309 4 месяца назад

Thank you for always explaining everything understandably

@xParesh 4 месяца назад

Damien, another fantastic video. You educate, inform and keep it far from boring which is a massive achievement. Keep up the flawless work buddy

@lynchs2441 4 месяца назад

Great video Damien as always! Your experience with uni and mentioned survey about "money talk" with children are reason why I'm much more open to early discussion about these topics with kids (and Junior ISA as example of trust towards them)

@anterosLondon 4 месяца назад

I started late in my mid thirties as nobody ever taught me about money, hopefully your videos will reach many and give them the education is needed

@djhworld_ 4 месяца назад

At school we were never taught about even the basics of personal finance, let alone investments.

@george6977 4 месяца назад

You probably were in Maths: interest, compound interest.

@TheDan9169 4 месяца назад

The government of the day doesn't want financially free people, they want a never ending supply of worker ants paying their taxes. This will never change.

@healthiswealth6797 4 месяца назад

It's designed that way so you become a worker droid and work a 9-5 and tax you till your covered in dirt

@claudioricci1 4 месяца назад

@@george6977maybe the odd lesson - but actually ingraining a mindset of wealth creation, understanding risk, inflation, exchange rates, stock markets - these subjects could all be taught in maths at school - yet instead it is all theories and Pythagoras therums

@user-ku3yz2cf1v Месяц назад

You and I weren’t but you can bet those at the likes of Eton were

@vipertoasties8017 4 месяца назад

Your videos are incredible but the light comedy that you incorporate seamlessly just makes them pure class, the pie references throughout the whole thing had me cackling throughout even though this is a topic that hits close to home as I’m struggling myself. But it really does make your videos a much easier watch as they are so so important for young home seekers like myself!

@catherineashman169 4 месяца назад

Love your channel Damo. I've set up a stocks and shares ISA via Vanguard for my daughter on the back of your vids. Also love the Making Money podcast, I've listed to them all and re-listened to a good few! The Paul Jonson one was so eye opening for me. Please keep em coming Damo and T and Snowball! :)

@benhicklin3179 4 месяца назад

Loved the personal tidbit at the end! I'm also a Durham university graduate from a few years ago, and I had a very similar experience of having my eyes opened to a world of finances and life experiences that I had never known existed before. Also being the first in my family to go to university, it really opened my eyes as to how little financial education I had received growing up in a working class house. I know investing and saving isn't going to suddenly mean I'll pay off my mortgage tomorrow, but it will best prepare me for my own future, and hopefully the future of my kids as and when I have them. All the best dude!

@stephen3543 4 месяца назад

As always, thank you for a wonderfully organized and edited video. Well done.

@Spongefov 4 месяца назад

I know I'm in danger of being a bit hyperbolic, I've said this on one of your videos last year and I'll say it again: you're gearing yourself up to be my generations Martin Lewis - informing the masses on financial literacy. sorry I'm not subscribed, but the algorithm recommended this which is telling. so you've got the momentum behind you Damien, keep it coming!

@Mikey_NoCap 4 месяца назад

Damien, your vids just continue to get better and better, congrats on your success, great to see. The production on your last few has been super slick and really helps deliver the messages. Would love to see something on current ‘retirement’ ages and how people are going to save enough to make even a normal retirement possible, nevermind the much touted FIRE route to an earlier work exit. Feels to me that the current economic climate, inflation, fuel costs and housing costs make saving robustly whilst raising a family and living life only a dream for most.

@danielrelf3702 4 месяца назад

Another killer video Damo, and seeing you levelling up of that editing consistently. These sort of videos are what make YT such a great space for educating yourself, thank you.

@juliancoulden1753 4 месяца назад

Thank you for this enlightening, erudite and articulate presentation. Simply put but pretty easy to understand, at least the most important principles.

@joshwhite6872 4 месяца назад

When writing this comment, I am 22 and have just started an index fund, and I'm paying into my company pension. One of the problems with people my age is that they aren't looking that far into the future. They see the money that could be used for the company pension as money towards renting a house. This will only change if schools teach this topic in greater detail.

@m4yh3m121 4 месяца назад

Surely the parents should be responsible too?

@slayerrocks2 4 месяца назад

@m4yh3m121 how do parents in the lower percentile, with hardly any disposable wealth, learn enough to teach? Damien said, those in the higher percentiles already pass on their experience and knowledge.

@andrewreddy7063 4 месяца назад

just remember you can move your money around in company pensions, you can move into cash if you think the global market is going to tank. Most people select a fund and never change it. this is a big mistake.

@hargravegas 4 месяца назад

One of your best Damo, thanks very much as always, loved the Pie references, hope I spotted them all!

@miguelvieira2353 4 месяца назад

This was one of the best videos about investing I've ever seen. The factual and sincere information you put out was on point and I think everyone watching this "pause" their life for a few seconds and actually thought about what you said and how you said it. Simply amazing. Just subscribed because of this video and will keep following your videos for sure. Keep it going!

@stansheppard8929 4 месяца назад

Someone’s been on the Art Attack archives. Great job as always. Thank you!

@dregstore 4 месяца назад

This is a profound video, really good stuff Damien.

@markwoodrow5898 4 месяца назад

Great video, very well put together

@DanWatts. 4 месяца назад

Love the motivation for the channel Damien, keep it up.

@GuybrushThreepwood79 4 месяца назад

Excellent video, Damien! Your story of University is very similar to my own (and undoubtedly thousands of others.) I remember sitting at my graduation realising that everyone in that hall was getting the same bit of paper as me and that was happening in more unis than i could imagine. I realised at that moment i'd done uni all wrong. But, i had nobody to tell me any different. I always try to pass that on.

@PrinciplesPersonalFinance 4 месяца назад

Loving the content right now. I wasn't expecting what you're producing to keep going up in levels but it's great to watch. 🙌 The message on risk is spot on. We need a better conversation around risk as at the moment all that is happening is we're throwing financial jargon out there in an attempt to arse cover. All it does is confuse and scare people into not starting to build wealth. You're doing great work mate, keep it up. 👏

@ackibear 4 месяца назад

Great video! Well put as always!

@MoreDanYouKnow 4 месяца назад

Brilliant video. Thank you Damien!

@dr.yasirkhan7935 4 месяца назад

Your voice is music to ears, very soothing! Secondly as always top notch content ! Thanks.

@PKAsh7 4 месяца назад

Smashing it out of the park with these recent videos. The delivery was spot on and everyone loves a pie 🥧

@willlsmith8063 4 месяца назад

Outstanding Damien … 👏👏👏👏 your content is in a class of its own buddy

@19titlesunited 4 месяца назад

Killing it with the videos this year Damo!

@DamienTalksMoney 4 месяца назад

For a bit of fun i will give £20 to the first person who can name every pie I mentioned in the video. Just reply directly to this comment.

@MsMartin21 4 месяца назад

Mince steak pie, vegan pie, Occu-pie 😅

@buttonmonkey6845 4 месяца назад

All of the above and Jonathan Pie😂😂

@DamienTalksMoney 4 месяца назад

I need 1 full clear list! lol

@richardhands904 4 месяца назад

Overall weath pie, Vegan pie (minced beef steak), pie chart, Jonathan pie, occupie, magpie, 3.142, pie-vatley educated students, pie in the sky.

@richardhands904 4 месяца назад

Got it, never have I ever listened for the word pie so hard lol @@DamienTalksMoney

@JoshiBoy19 4 месяца назад

Your videos are pure fire!!!!! Love it brother

@charlottet7548 4 месяца назад

Such a powerful visualisations ❤ thank you. It starts in childhood 💯

@ed.o5991 4 месяца назад

Thanks Damien, very helpful and will make me look at risk differently.

@bernardo.daSilva 4 месяца назад

Top quality compiled data Damien! You just keep getting better and better. I still have friends who think long term investing is not for them cos they like seeing their money in their bank account. They don't see "depreciation"

@jamessaddler1 4 месяца назад

I have to say, the practical pie illustration really helped me understand your point 😂 Great video. 👍

@WilliamM007 4 месяца назад

Damien, what a great guy. I used to be in financial services and am well informed, but still love his straight forward, honest and inclusive style. If only more people were better informed and participated in investing, that would be a better situation and Damien is more than doing his part. Investment is for everyone. Start now, however small and drip it in over the long term. Nobody told me this when I was young, but I eventually worked it out and in my fifties, no longer need to work.

@DamonGreen 4 месяца назад

This is fantastic Damien thanks. The conclusion is powerful, we fail in state schooling to educate on finance, i have never understood why. Very interesting point about the loaded game at class based level, another point that rings true. Fantastic video, its the perfect balance of information, insight and humour. Bravo Sir!

@ltdjag7577 2 месяца назад

Exactly. We don’t know the game, the rules of the game, or even who is even in the game. We were never taught.

@clarenceishmael9615 4 месяца назад

This is a really interesting video! Effort, hard work and the willingness to educate yourself and take some risk is a vital component of this also as most of your audience are finding out! 🤑👏🏾👏🏾

@rossmacintosh5652 4 месяца назад

Yes! People need to learn there's actually far more risk to your well-being by not investing than there is in sensible investing. Many people resist making stock market investments out of fear it's too risky. Sadly, they never experience the peace of mind that comes with having a nest egg of compounding investments, sometimes described as FU Money.

@stutuckerphotography 3 месяца назад

I’ve been following you for a while and I’ve been dipping in an out. But this evening I have binged watched maybe 10 videos of yours and I just want to let you know your clarity and genuine attitude and ethos is bang in my man. Thank you so much for making these videos!

@IAmebAdger 4 месяца назад

A lot of your videos are so sharable with even people who have barely any interest in finance. Good work!

@bluceree7312 4 месяца назад

The difference between the median and mean (and the change over time of these two metrics) is often neglected. Good that you mentioned it.

@user-pn2cg7kp2l 4 месяца назад

Great video Damien, as we head towards the end of the financial year could you do a video on sipp carry forward with some examples?

@MrSuperOurs 4 месяца назад

The part about your university experience resonated so much with my experience. I'm a second generation immigrant (I was born in France, from Sri Lankan parents). No one in our whole family went to university. My sister and I were very fortunate, as our parents pushed us to study hard. We were able to enter very prestigious universities in France, as education is free. What I realised is that despite being technically open for everyone (since it's free) the vast majority of students accepted to these fancy unis were coming from very privileged families. Not because the families paid for it, but because just like wealth, high education is also inherited. These kids were playing a game I did not even know existed.

@shimsteriom4191 4 месяца назад

Brilliant video Damien, thanks 👍

@Amyloveshotels 4 месяца назад

Very powerful visual !

@TVTrendingTopics 4 месяца назад

Great video. Thanks for sharing

@rabinkos 4 месяца назад

Good video. Powerful message!

@thomasevans9964 4 месяца назад

Great video again! Well done with the channel - couldn't be hap-pie-r for you

@edwardsroba 4 месяца назад

Really good video and well done for explaining things so clearly: kudos to you. This highlights a huge difference between attitudes in the the US and UK (admiration of the wealthy versus vilification), and explains a lot of the gulf in fortunes between the two. You are absolutely spot on with risk warnings. They are there purely for covering the asses of banks who are terrified of being sued.

@bdmsouth 4 месяца назад

Great video Damien, agree 100% this stuff should be taught in every school

@SensibleCarGuy 4 месяца назад

Everytime you upload a new video i think.. that, that is the best one yet. Then you knock it out the park! Brilliant content yet again.

@rudolphteperberry3888 4 месяца назад

In my experience, in so many cases, educating people does not work. I've been trying for years to get friends and family to invest and it's like banging my head against a brick wall. I've pretty much given up. Their loss!

@djsnack7887 4 месяца назад

One of the best things I discovered in this 2024 year is your channel, mate. Your videos are just amazing. Thanks for your hardwork and for keeping us informed.

@DamienTalksMoney 4 месяца назад

You legend! Lovely comment this thank you

@rossmacintosh5652 4 месяца назад

Great video Damo. How much net worth would someone need to be in that top decile? Looking at the chart you showed with the different asset classes that make up each asset class, it seems to me that with the kind of retirement investing you advocate many could retire in that top decile. Perhaps they'd have less income than is typical of that decile but their net worth could put them there.

@gealinga1994 4 месяца назад

Nailed it! Great channel.

@bendunne2708 4 месяца назад

Great explanation Gary

@ajmagic111 4 месяца назад

Thank you for this video I took a similar path to you to University

@mariusmunteanu9894 4 месяца назад

Brilliant video mate!

@fongfeen 4 месяца назад

brilliant video. the generational knowledge gap is something i have thought about often. greetings from Dublin

@AnyangU 4 месяца назад

Damn! That was a nice rant their at the end! Loved it!

@listert2595 4 месяца назад

Another banger, as always!!!

@dh3776 4 месяца назад

Really nice video!

@prizmik 4 месяца назад

Amazing video as always Damien

@djkazc1818 4 месяца назад

Great video mate. I think its the fact that its such a vast open world with unlimited options that makes it scarier than the actual risk. I started my S+S ISA about 10 months ago, and been changing strategies constantly over the last year and doing more and more research, only recently I've settled on a plan I'm going to take forward. Would be great if you did a similar video looking at net worth by different age brackets, to give everyone a stick to compare themselves against wherever they are in life

@HarjDool 4 месяца назад

Your experience at university completely resonates with mine albeit in a different institution!

@johnely8690 4 месяца назад

Great looking pie! 😊 the video isn’t bad either!! Seriously tho, loving these Damien 👍

@UKGeezer 4 месяца назад

This is why channels like yours are so important, at least to give people some knowledge to make them think about investing. Also, that pie was making me hungry..

@PriscillaMN 4 месяца назад

I definitely was subject to the fears of investing. I have been thinking about it since I started University and only finally started investing after leaving uni. Very delayed but I’m here now and I’m glad I’m using these vehicles. There is some serious gatekeeping with the true vehicles of wealth building. Very grateful I now have the knowledge and am sharing it with all those around me.

@pprreejj 4 месяца назад

Your experience at uni is exactly what I went through. I didn't know the rules of the game at all.

@olliejgUK 4 месяца назад

Really good video mate! 👍🏼

@lizaware1733 4 месяца назад

THANK YOU. I love your work, edutainment for the masses and hopefully helping people to make better financial decisions by building wealth. I dont think you can measure the positive impact you are having on the national. Well done Damo, please keep producing this incredible content. 👏

@dddddbbb 4 месяца назад

Subscribed because of how long it took you to put together the "equally sized boxes" ;)

@nikbassi3608 4 месяца назад

Damien can you do a video short about the compounding effect of being well informed, shown at the end of the video please?

@lewisfoulger 4 месяца назад

Great video 👍🏽

@maltesetony9030 4 месяца назад

Great video - again!

@stuartslyper1479 4 месяца назад

The difference in disclaimers for credit cards and investments has always struck me as strange. The one *might* lose you some money. The other will almost certainly lose you 20-30% per year (in the form of interest). It’s like putting warnings on health food but not the cheese burgers…

@danlanch 4 месяца назад

Really like the 'application of 3.1414159' comment at the end. Keeping the 'pie theme' running through the video 😂 Damien, your content is some of my favourite UK-focussed financial information out there!

@JohnProblem 4 месяца назад

Brilliant as always

@DamienTalksMoney 4 месяца назад

Thank you John!

@davideyres955 4 месяца назад

Love the bits of humour on the videos recently. Great video mate.

@ericshang7744 4 месяца назад

Very interesting take. Risk is very interesting thing, sometimes not taking risk is most risky of all.

@matthewwimpenny-smith9064 3 месяца назад

Damien, I have been watching your videos for some time now; I found them very informative and encouraging to the skint little people to invest for the future.

@johnmoulton9728 4 месяца назад

This information should be taught at schools, very interesting thank you

@TomAce88 4 месяца назад

Great content Damo, Broke the "crust" on that topic. Im in a dilemma with paying everything i can into stocks and shares isa or SIPP, or even i might split and pay into both. Either way net worth increase is my priorty this year!

@Paterleano 4 месяца назад

Damien my story is the same as yours, single parent, council estate, went to top Uni, graduated,couldn’t get a job, couldn’t speak English properly (according to them, had a London ghetto accent), had no internships under my belt. Couldn’t get a job easily, eventually when I did didn’t understand how to get on in a big corporation, left or would have got sacked. Started my own business now I’m in the top 2 or 3 percent. It’s not easy to level up. Having successful educated parents makes a big difference, state school teachers are useless.

@robday3296 4 месяца назад

Another great video.

@GAK8919 4 месяца назад

Top work Damo. I grew up in the 90's. Schools didn't address financial education including investing, risk, compound interest or tax. I could've been in a much better place financially if they did. Most people don't learn this stuff until they start thinking about how they can get more out of the money they earn or how can they save more money. By that point there's years of missed opportunity to invest. I know I saved money for years before i invested and lost out on thousands due to it. Also with tax (slightly off topic I know), most people with a normal PAYE job just trust the HMRC to take what they should and wouldn't even know if it was right or wrong. Most people just get bamboozled by tax codes and financial years with little understanding on the repercussions of not understanding what you need to check.

@Mouxbar 4 месяца назад

That looks like a fine northern pie - the supplier of choice? 🙂 Great vid!

@jacurran 4 месяца назад

Great video bud.

@gaznaz 4 месяца назад

I’ve always been obsessed with money and understood the value of calculated risk taking. I talk money for a living and this is a great vid btw. I practice what I preach and have been more successful than I could have dreamt. My parents worked as hard, if not harder than I have but they always avoided almost all risks at all costs and I saw how it served them. It’s simple for me; take as much risk as you can afford and wait. People get what they deserve and you reap what you sow.

@Alex-cw3rz 4 месяца назад

I totally agree the focus on risk is very detrimental, imagine having the same disclaimer when getting a job. To be honest a job one could seem even more scary, if the business goes wrong for something that will be nothing to do with you. You'll be the first to be let go as you are the newest and if you go into debt that's personal debt, that will stay with you forever and d ying will not even stop it.