Richard Coffin is the host of the Plain Bagel YouTube channel and one of the biggest financial content creators in the world. He’s a trained financial planner and by day works as an investment analyst so he really knows his stuff.

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Disclaimer: This is not financial advice. The reason it’s not financial advice is because it’s not tailored to you. We explain the principles of building wealth but if you want personalised advice, it’s worth speaking to a financial advisor. As with everything financial, please do your own research. We really encourage that because no one cares more about your money than you and if you learn the basics then it will change your life.