UK personal finance, written for people doing well

Assets minus liabilities, done honestly — what counts, how to value defined benefit and DC pensions and property, how often to update, and the common mistakes (forgotten old pensions, purchase-price property) that make people undercount what they are worth.

The real problem for higher earners isn’t saving — it’s visibility. How to pull scattered pensions, ISAs and assets into one picture, set your number against the PLSA Retirement Living Standards, and read the 2026/27 state pension and the £100k tax trap correctly.

The actual numbers from the ONS Wealth and Assets Survey: 25-34 £66k → 35-44 £196k → 45-54 £364k → 55-64 £575k. Why the curve is so steep, what’s included in the wealth figure, and the all-important means-vs-medians caveat before you read any conclusion off the numbers.

Base, bonus, employer pension, employee pension, RSUs and BIK — the six UK components and how they ladder into a real total comp figure. Worked examples at £90k and £110k, the £100k 60% trap explained, and how pension salary sacrifice claws back ~£5,000 of cash for every £10,000 extra routed into pension.

If you’ve changed jobs more than twice, you almost certainly have multiple pots. The three honest options — consolidate, leave-and-track, or do nothing — with the trade-offs and the £30k threshold where regulated advice becomes legally required.

Moneyhub’s consumer app decommissions 14 August 2026. Different answer depending on whether you used it for budgeting (Snoop Plus, Emma, Monzo Extra) or for net worth and pensions (genuinely thin market — PocketSmith, spreadsheet, or No More Winging It). Plus the exact data-export how-to.