The Ledger 3 of 6
Protect
What to hold, and what to clear, before any of it is put at risk.
2 sourced figuresnext checked 1 March 20271 piece
The order matters more than the products. Cash you can reach, debt that costs more than any investment will return, and cover for the things that would otherwise end the plan — these come before the interesting decisions, and they are the part that gets skipped because they are dull. Almost every wealth story that goes wrong goes wrong here.
What this is not
Nothing here is a recommendation to buy or hold any particular product, and we do not rank providers.
The figures underneath
What this subject rests on
Savings interest you can receive before tax.
£1,000 basic rate, £500 higher rate, nil additional rate
GOV.UK, Tax on savings interest · 2026 to 2027 tax year · checked again by 2027-03-01
Extra tax-free savings interest for people with low other income.
Up to £5,000, reduced as other income rises
GOV.UK, Tax on savings interest · 2026 to 2027 tax year · checked again by 2027-03-01
Often overlooked by company directors taking a small salary.
Written so far
How to build wealth in the UK
The order most British money is best dealt with, what each step is for, and why the sequence matters more than the products.
5 min readAwaiting review
The Swealth letter
One letter a week, on Thursday
Plain writing about British money, and the UK Wealth Blueprint to start with.