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Investing can actually be extremely simple, but I see soooo many people over complicating it. Please let me save you some pain. This is my 4 step investing 101 guide: 1. Spend less you earn (so you have money to invest) 2. Open a stocks and shares ISA (so you can invest up to £20k per year tax free) 3. Buy a globally diversified ETF - this is the part that most people get confused on. It is really hard to beat the market by buying individual stocks. I stick to ETFs which are a basket of stocks,

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