Whatever you've got,let's make you richer.
Rick picks out three money moves worth making and sends them to your inbox every Friday - whether you've got £200 spare or £20,000.
As featured on BBC · Times Radio · Channel 5 · The Jeremy Vine Show
Inside every issue
The Big Three.
Three moves to make you richer, in one email every Friday.
The Quick Win
Do it before next Friday.
e.g. Swap a 0.05% savings account for a 4.5% one. Ten minutes.
The Long Game
Months and years, not weeks.
e.g. Cash ISA vs Stocks & Shares ISA. Properly explained.
The Big Picture
The why behind the what.
e.g. Why reading the news makes you a worse investor.

Rick Kelsey
Meet Rick
Hi, I'm Rick.
I've been writing about money for years. You might have caught me on BBC Breakfast, Times Radio or Channel 5.
Money's always been close to home. I grew up in a house where it came and went in big swings. Taught me to pay attention early.
One thing I've come to notice: most money advice is written for people who already get it, or for people counting pennies on a meal deal. There's a big gap in between.
That's why I created The Big Three. It lands every Friday, and I'd love for you to join.
How anyone gets richer
Nobody gets rich in one go.
It is a hundred small things, done when you can be bothered. A better savings rate. A question asked at work. A direct debit killed off. Rick has written up ninety-odd of them - the calculators are where you plug in your own stuff and find out what they are worth to you.
11 free calculators · your numbers, not example numbers
Who it's for
Sound familiar?
You, probably
- Got a bit spare and nothing clever to do with it.
- Been meaning to sort this out for ages.
- Curious how it all actually works.
- Want to make smarter calls, starting small.
Not you
- Finance pros who already know this.
- Anyone hunting for hot stock tips.
- Chronic passive-income chasers.
- People waiting to “have enough” before they start.

Free. The whole thing.
No tiers, no trial, no card. The club makes its money from sponsors and events, which is exactly why it can afford to be straight with you.
Free, and no card. Not financial advice - guidance and calculators.






