Great to hear someone who's been maintaining the "working in waves" method for longer than me. Not sure I could do it for long though!
You raise some really good points - especially glad you mentioned investments, since I'm starting to think about that now as I am amidst a "work wave" and earning enough to put a portion into investments. Any advice on where to start with this?
#3 is one to remember before the next wave, thanks.
For me personally this means buying rental properties - I purchase 2by2 properties in North Manchester / the North West. Typically (at moment) properties at about £60k (where I'm putting down about £15k deposit). Get a good agent to manage them (around 10% of rentals). Ping me a message if you want to know more about this
(but pls not - this isn't the only option - there are plenty of other investment opportunities - but see point 1 above - understand them first)