The Wallet
Earning £100K (or Close)? Here's What to Think About
Published: 16 April 2026 at 01:00 Europe/London
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Episode notes
High income, low progress: the hidden leak in your finances.
This week on The Wallet, Emilie Bellet (Vestpod) sits down with Philly Ponniah to unpack the gap between earning and actually building wealth.
They cover:
- Why money still disappears at £100K+
- The lifestyle creep you don’t notice
- The belief that quietly blocks investing
- The UK’s £100K childcare tax trap
- What a real financial system looks like
The information shared is for educational purposes only and is not financial advice.
AD | This episode is sponsored by Wealthify.
Wealthify makes investing simple by managing your investments for you. And if you deposit or transfer into their Stocks and Shares ISA, you could earn between £50 and £1,000 in cashback. Open your account at Wealthify.com. T&Cs and minimum investments apply. Registration closes on 31st May 2026. Cashback varies by total investment amount. With investing, your capital is at risk. Wealthify is authorised and regulated by the Financial Conduct Authority.
Resources
Connect with Philly at Philly Financial
Instagram: @phillyfinancial
LinkedIn: Philly
Connect with Vestpod
Sign up to The Edit newsletter: https://www.vestpod.com/subscribe
Courses and bootcamps: https://www.vestpod.com/courses
Follow on Instagram: https://www.instagram.com/vestpod
Emilie’s book: You’re Not Broke, You’re Pre-Rich
The information shared is for educational purposes only and is not financial advice.
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