Uploaded February 2026 | Updated September 2026, 23 hours ago
In this video, I’m breaking down a real viewer case study (a 40-year-old first-time buyer) to show you exactly why the "13% Rule" is a trap. We’re going to run the numbers on the "Price of Peace of Mind" regarding his mortgage overpayments, calculate the real gap in his pension pot, and look at the hard truth about relying on the State Pension.
If you feel behind, this is the reality check join my community waitlist - conversation-of-money-ltd.myklpages.com/l/VBKDAv
USEFUL LINKS
My Book - amzn.to/3KL0nMW
Join my community waitlist - conversation-of-money-ltd.myklpages.com/l/VBKDAv
Free Payday Routine - conversation-of-money-ltd.myklpages.com/l/Tk3uQg
Submit your question - https://forms.gle/ub8VJAmhKnwTTx8P9
Subscribe to my second channel - youtube.com/@MyDXBDiaries
TOOLS:
Money Personality Quiz - quiz.calmmoneycommunity.com
Mortgage Stress Test Calculator - mortgage.calmmoneycommunity.com
Pension Forecast Calculator - pension.calmmoneycommunity.com
CONNECT!
Instagram: @conversationofmoney
Question – What are you thoughts on the topic discussed today. Leave a comment and have your say.
Disclaimer: None of this is meant to be construed as investment advice, it's for entertainment purposes only. The video is accurate as of the posting date but may not be accurate in the future.
In this video, I’m breaking down a real viewer case study (a 40-year-old first-time buyer) to show you exactly why the "13% Rule" is a trap. We’re going to run the numbers on the "Price of Peace of Mind" regarding his mortgage overpayments, calculate the real gap in his pension pot, and look at the hard truth about relying on the State Pension.
If you feel behind, this is the reality check join my community waitlist - conversation-of-money-ltd.myklpages.com/l/VBKDAv
USEFUL LINKS
My Book - amzn.to/3KL0nMW
Join my community waitlist - conversation-of-money-ltd.myklpages.com/l/VBKDAv
Free Payday Routine - conversation-of-money-ltd.myklpages.com/l/Tk3uQg
Submit your question - https://forms.gle/ub8VJAmhKnwTTx8P9
Subscribe to my second channel - youtube.com/@MyDXBDiaries
TOOLS:
Money Personality Quiz - quiz.calmmoneycommunity.com
Mortgage Stress Test Calculator - mortgage.calmmoneycommunity.com
Pension Forecast Calculator - pension.calmmoneycommunity.com
CONNECT!
Instagram: @conversationofmoney
Question – What are you thoughts on the topic discussed today. Leave a comment and have your say.
Disclaimer: None of this is meant to be construed as investment advice, it's for entertainment purposes only. The video is accurate as of the posting date but may not be accurate in the future.
