Ms ZiYou Young FI Guy

Young FI Guy – Super Saver retired before 30 – #ukpersonalfinance

Young FI Guy – Super Saver retired before 30 – #ukpersonalfinance

Ms ZiYou UK PF BloggersI am so happy to introduce to you a new series here on Ms ZiYou, Let’s meet UK Personal Finance Bloggers. This week please welcome Young FI Guy.

He blogs about reaching FI before the age of 30, and share knowledge from his previous accounting profession. He has a passion for technical articles and in-depth analysis.


Handing over to Young FI Guy – About You & Your Blog

Please introduce yourself and your blog

I’m Mr Young FI Guy, Mr YFG for short. I’m in my late 20s, financially independent and semi-retired. I worked in London as a Chartered Accountant valuing companies, I’m also a qualified Financial Planner. I’m married to Mrs YFG. My blog is where both Mrs YFG and I write.

What sort of finance blog do you write?

My blog is a mix of ‘life’ and ‘technical’ posts. Mrs YFG and I write about financial independence and about our respective FI journeys. I also write about finance, investing and financial planning from the point of view of a chartered accountant and qualified financial planner/adviser (i.e. not like a lot of the wishy-washy stuff you often find about money).

How would you describe your current stage of life?

I’m trying to find my way in helping others.

What are your personal values?

Our society is only as strong as the collective communities we build. I believe we should all help the communities we are in, starting from as simple as being polite and considerate to others.

Tell us about the challenges you have overcome

I’m from one of the poorest towns in the UK and grew up on a council estate. When I was 16 and weeks before my school exams, my father suddenly passed away in his early 50s. I grew up caring for my disabled mother and my younger sister. My financial independence journey is inspired from that tragedy.

What are your dreams and plans for the future?

I hope to live in a society where we treat money and finances in a positive way. Rather than letting money dictate what you can and can’t do in life, let life dictate what you can do with your money.

How do you keep fit?

I didn’t use to, I let work prevent me from keeping fit. I now go to the gym three times a week where I mainly lift weights.

Tell us your favourite drink?

A glass of cold milk! But if we’re talking alcoholic drinks (which I suspect is what you mean Ms Zi You), a pint of Aspall Cider.

UK Society & Media

How do you get your news?

I limit my news consumption to low-volume, high-quality. I have subscriptions to the Financial Times and The Week (the later is excellent for a weekly current affairs summary). Any other news comes incidentally from writers I follow or people telling me stuff I need to know.

What do you think about education and university nowadays?

I think the value of a university education has massively decreased over the past ten years. Combined with the huge cost increase it’s not something that young people choose to do lightly. Many professions, including my own (Chartered Accountancy), no longer require university degrees with there being clearly defined school leaver paths. Getting a profession is the easiest and simplest way to earn a good living for life. I’d recommend schoolchildren to think about what’s important to them, and what profession speaks out to them. Then see what route (school leaver/apprenticeship/study-work or university) is the best path for them.

And the UK housing market – what are your thoughts?

It’s very political, and I tend to avoid politics. Nothing I say about housing will change the strong political views out there.

Please share your top 10 blogs you follow with us.

Just to be different I’ll share some of the non-FI blogs I follow (you can find the FI-blogs I follow here):

On reflection having a look at the list above, do you have any thoughts?

It’s difficult to say whether someone is like you or not. I tend to avoid thinking about who/what is writing something. Personally, I think it’s better to judge writing on its merits. I don’t judge whether it’s a woman or a man who writes (or super-secret legal bunny). I’d like to think the defining characteristic of those writers is high- quality writing. A commonality of all these blogs is a focus on truth, fact and learning.

Ms ZiYou Note: The Secret Barrister is a man.

How do you feel about privilege in the UK?

I really don’t like the term ‘privilege’. I mean, who does it apply to? How do you apply it? Am I privileged or not? Life isn’t binary, there are all sorts of twists and turns. Generally, I think labels of any kind are not a good thing. Labels lead to an ‘us and them’ view. That leads to people being dicks to one another. I think a better way to frame it is to reflect on what you are grateful for in life. Appreciate those blessings, and understand many other people don’t have them. I think when you do that, you become much more considerate of others.

Money Advice

What questions would you ask people to understand their priorities?

What do you want to get out of life? Why? How do you get there?

Do you have a financial tip for someone interested in learning about money?

Start. Just start saving money (even as little as £10 a month is a start). Start investing in a pension or an ISA. Start taking control of your money, lest your money control you.

How much do you talk about money in real life?

A lot. Probably too much. I think life is more important: “get busy living or get busy dying”.

What advice would you give to people about investing?

Don’t overthink it. Open an account. Put money in it. Buy a cheap global equity tracker fund.

Parting Words

What is one awesome thing in your life now?

My wife. She’s a super lady

Anything else you’d like to say?

Thank you for the opportunity Ms ZiYou. Thank you for reading.

How can people connect with you?

Visit my website and email me if you’d like


Ms ZiYou Back Here

Thanks for sharing Young FI Guy – it’s always interesting to hear others perspectives and where they are coming from.


If you blog about money in the UK and would like to be featured on Let’s meet UK Personal Finance Bloggers – please get in contact.

And as always, it’s over to you – what are your thoughts after hearing from Young FI Guy?


Thank you for reading – please leave a comment below and join in the conversation. You can also connect on Twitter or contact me privately.

14 comments on “Young FI Guy – Super Saver retired before 30 – #ukpersonalfinance

  1. Some solid advice there Mr YFG, particularly the “life is more important” than money theme.

    Nice to see a fellow ex accountant / financial planner writing about money, there are a surprising number of us out there!

    It is always interesting to see what those former professionals have to say, once the regulatory shackles of being professionally accredited have been removed!

  2. Did you see kleenex have stopped calling their tissues mansize this week ms zi you? An important blow for feminism I’m sure you’ll agree.

    The patriarchy is clearly crumbling around our ears.

    On a more serious note I think Mr yfg has a point.

    writing should be judged on its merits not the sex of the author. Actually three of the blogs I read now are written by women (weenie, your good self and little miss fire). Ive also started listening to the afford anything podcast

    1. Hey FBA – couldn’t care less about Kleenex – got bigger fish to fry here!

      And that is the point of merit – it’s very subconscious and society conditions us to see some things as more worthy of merit than others.

      1. Thanks for the feature Ms ZiYou – I really hope your readers enjoy my ramblings.

        In terms of the blogs, limiting to 10 is very difficult! It means I had to leave out lots of great writers – all very different from one another.

        Ms ZiYou of course has a very important point. We are subconsciously attracted to things that affirm our world view. For me, it’s very important to read things that challenge you and why you think a certain way. I feel a lot of that can be overcome by having an open mind and reading to learn (and learning to read!). But escaping our pre-conceptions is always a challenge – something we should be very alive to.

        For example, Ms ZiYou is convinced The Secret Barrister is a man. They’ve never had their gender categorically confirmed however. I’ve always read their work as coming from a woman – as do many other people. That alone is good example of why I think it’s important to avoid attaching labels to people!

  3. I listened to the Mr & Mrs YFG podcast and thought they came across really well. I like the financial advice “Don’t overthink it. Open an account. Put money in it. Buy a cheap global equity tracker fund”. A lot of the un-invested masses are put off by how complicated it can appear. I have tried to educate friends and family but most people don’t want to hear it, it’s such a shame.

  4. Great interview YFG, which compliments the podcast you (and Mrs YFG) did.

    Funny, I’ve always made the assumption that the Secret Barrister was a bloke so I might try reading between the lines now to see if I can spot anything to change my mind!

    Great advice there about investing anyway, one I should try with my friends!

  5. My one I’ve used which I mentioned in my podcast (which annoyingly only sunk In with me 6 years ago,) was to say that your pension and your isa are essentially opposite ends of the same spectrum . Leaving aside the tax free amount one is tax free on contributions but potentially taxed on withdrawal The other is paid into after tax but any withdrawal is tax free

    a friend of mine said she didn’t want to invest because she was worried about losing money . So i asked her if she paid into a company pension. She said yes of course I said where exactly do you think that money is going? Provided its a decent scheme you could replicate it in your isa and invest in exactly the same way. She literally slapped her head and said I cannot believe I’ve never twigged that. I felt exactly the same way and I love this stuff and work for a financial services business lol

    1. Hey FBA – indeed, lots of people don’t seem to know what a pension is nowadays – I guess it’s good they are contributing. But on the other hand, it shows just have much unnecessary complexity the financial industry perpetuates.

  6. Really Really like this project. Hope that it keeps going.

    I think that the pursuit of FI in the UK is a different prospect from the US. So it’s interesting to hear a further discussion of the financial and cultural nuances of FI in a UK context.

    Concept proved! Hope that you keep the UK FI Pod running.


What do you think?