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  • Kremi’s journey towards financial independence

    HL client Kremi shares how she navigates the complexities of investing for the future.

    We recently interviewed HL client Kremi Smith, as part of our qualitative research for our flagship ‘Why Women Invest’ report.

    Kremi, a dedicated mother, wife, and self-employed therapist shares insights into her motivations, challenges, and successes on the path to financial independence.

    In this article we explore Kremi’s journey in further detail, but it is not personal financial advice. If you’re not sure if a course of action is right for you, ask for financial advice. Please note that investments fall as well as rise in value, so you could get back less than you invest.

    Curiosity is key

    Born and raised in Bulgaria, Kremi acknowledged the lack of exposure to the world of investing during her upbringing. However, her interest in financial matters started when she overheard a conversation about investing and having a Self-Invested Personal Pension (SIPP).

    However, she didn’t start recognising the importance of this until she was faced with the responsibility of motherhood.

    This helped Kremi take the plunge and start learning about the value of money management through authors like Robert Kiyosaki and Thomas Stanley, as well as learning from her husband. Being curious helped her build up the confidence to start her journey toward financial independence by opening an investing account - specifically an HL SIPP.

    Just remember when looking at SIPPs, you’ll usually need to be at least 55 (rising to 57 from 2028) before you can access the money in your pension. Pension and tax rules can change and any benefits will depend on your circumstances.

    The benefits of investing

    Over time, she started investing regularly and began to see the benefits as her money gradually started to build up.

    This inspired her to learn more and continue building her diversified portfolio – prioritising funds over individual shares. Her approach reflects a blend of caution, curiosity, and a desire for long-term stability.

    Teamwork makes the dream work

    Managing the finances isn’t a solo project for Kremi – this is a joint effort between her and her husband. She emphasises the importance of open communication. Both Kremi and her husband share their financial goals regularly and take inspiration from podcasts and newsletters.

    They hope to pass down what they’ve learned about money to their children. Particularly, the mentality that if you look after the pennies then the pounds will look after themselves.

    Her future outlook

    Looking ahead, Kremi’s ethos is that she isn’t going to look at what she didn’t do in the past, but what she can do in the present. She remains committed to expanding her investment portfolio and focusing on financial independence and responsible wealth management. She embraces an amazing mindset of continuous learning and adaptation.

    Kremi's journey shows the power of curiosity, perseverance, and strategic planning in achieving financial independence. From humble beginnings to navigating the complexities of modern finance, Kremi's story offers valuable insights for individuals seeking to secure their financial future.

    Why women invest

    This is just one of many stories showcased within our comprehensive 'Why Women Invest' report.

    Don't miss out on the opportunity to empower yourself financially – download our report for free and start your own journey towards financial independence and success.

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    Financially Fearless is the first step in empowering women to improve their financial health and wealth. Take your first step today and sign up for weekly emails packed full of expert content using the form below. Or if you’re on Instagram follow us @FinanciallyFearless_hl.

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