2024: Wins, Lessons & a Big Thank You!
Reflecting on a Year of Growth—Together!
Dear readers,
Ahoy, Crew!
As 2024 comes to a close, I can’t help but reflect on what an incredible journey it’s been—both in the investment world and in life. This time of year always feels like the perfect opportunity to pause, celebrate the wins, learn from the lessons, and gear up for what’s ahead.
Sometimes it is sunshine and rainbows!
Before we dive in: check out our full website & service catalogue
Top Financial Highlights of 2024
What a ride, right? This year was one for the record books. Here are some standout moments that shaped the financial world:
• The S&P 500 Surging Close to 30%: A powerhouse year for U.S. equities, with the S&P posting one of its strongest performances in the past decade. Diversification never looked so good.
• Bitcoin Reaches New All-Time Highs: As digital assets gained broader acceptance and institutional backing, BTC proved it’s here to stay—for now, at least.
• Interest Rates Show Signs of Easing: After a marathon of rate hikes, central banks finally signalled a shift. Lower rates could mean smoother sailing ahead for investors and borrowers alike.
• A Pro-Growth Shift in U.S. Policy: With the new administration focusing on innovation, infrastructure, and sustainability, opportunities are brewing across sectors like clean energy, AI, and healthcare.
Of course, let’s not forget: past performance isn’t indicative of future results. The markets can be as unpredictable as a sudden squall, so it’s always about planning for the long haul and staying grounded.
Celebrating Wins—Yours and Mine
One of the most rewarding parts of this year has been seeing this community grow and thrive. Whether it was growing from 0 to 450+ readers in 3 months or hearing from readers who purchased their first properties, these moments remind me why I started The Yachting Investor in the first place.
On a personal note, I’ve also hit some big milestones this year:
I ran my first Ultramarathon (and didn’t die)
My portfolio hit a target which I only hoped to achieve in 2027!
And also, I managed to meet a beautiful woman whom I now get to call my girlfriend :)
It’s proof that focusing on growth, both financially and personally, truly pays off.
3 Quick Wins to Kickstart 2025
Ready to set your financial sails for the new year? Start with these simple but effective steps:
1. Audit Your Financial Compass
Review your budget, investment portfolio, and savings goals. Is everything aligned with where you want to go? Trim the sails where necessary—cut waste, reallocate funds, and make sure you’re moving in the right direction.
2. Start or Top Up an Emergency Fund
The unexpected is always lurking around the corner, so aim for at least 3-6 months’ worth of expenses stashed in a high-yield savings account. It’s peace of mind and a safety net all in one.
3. Automate Your Financial Goals
Whether it’s investing a percentage of your pay-check, building a rainy-day fund, or paying down debt, automation is your secret weapon. Set it, forget it, and watch your wealth grow over time.
Looking Ahead: What’s Next for 2025?
The horizon is bright, my friends! I see opportunities in all sorts of markets- especially the ever-changing landscape of AI and Big Tech. The key? Start strong.
A Heartfelt Thank You
I want to take a moment to say THANK YOU for being part of this journey. Whether you’re a long-time subscriber (haha a full 90 days) or just hopped on board, your support, feedback, and passion inspire me to keep creating and sharing.
What’s Your Big Goal for 2025?
As we sail into the new year, I’d love to hear from you. What’s your top financial goal or biggest dream for twenty 2025? Hit reply and let me know—I’ll share some in the next newsletter to keep us all motivated.
Here’s to another year of growth, opportunity, and making waves!
Fair winds and following seas,
Charl (aka Gnarly Charly, your finance first mate)
P.S. If you missed any of the top reads from this year, I’ve compiled them here:
Let’s kick off 2025 with focus and fire!
Podcast: The Yachting Investor x Yachtie Real Estate Investor
Featured on Capt Scott Kidd’s pod a few weeks ago. Watch it here on Youtube!
For more links and resources, check out: TYI- Linktree
Buoy’s , Balance & Banter
Your weekly dose of ideas to keep you steady, inspired, and smiling—whether you're charting your financial future or just riding the waves.
Good Read of the Week
📖 Article: 52 things I learned in 2024
For at least a decade, Tom Whitwell, founder of Music Thing Modular, has been documenting the 52 things he’s learned each year
Words to Live By:
💡 Quote: “Change. But start slowly, because direction is more important than speed.” - Paulo Coelho, The Alchemist
Just for Laughs
😂 Video: Hungover dude with a shock collar
Don’t try this at home and get better friends.