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  • overpay my mortgage considerably

    This is never a bad thing to do, but often you'll find the returns when investing are greater than the % you're saving by reducing your mortgage. (Anyway, I'm not qualified to give advice)

    I've not read all of this yet but it's been pitched at a sensible level so far. The title alone is a welcome alternative from getting rich quick stuff

    The Long and the Short of It: A guide to finance and investment for normally intelligent people who aren't in the industry
    https://www.amazon.co.uk/dp/B01KAEKJAG

  • No, and I just said ‘often’ for that reason. You can guarantee poor returns almost risk free (bank interest or mortgage overpayments), or be fairly confident of better returns over a longer timeframe with ETFs. Or gamble on riches with crypto.
    I think the accepted wisdom is the middle option, once you’ve got all your debts paid off and you’re in a stable position.

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