Gabriella Goddard has explained how she's done it08:33, 01 Jun 2026Updated 08:33, 01 Jun 2026A 22 year old has explained precisely how she's amassed £106,000 despite earning just £35,000 annually from her primary job.‌Rather than attending university, Gabriella Goddard embarked on a degree apprenticeship in management consulting at 18 - immediately depositing 60% of her £1,400 monthly wage into a cash ISA. During her second year, her pay rose to £1,600 monthly and Gabriella started investing £1,000 of it - £500 into a cash ISA and £500 into a Trading 212 stocks and shares ISA.‌Alongside her apprenticeship, she also launched a content creation venture managing social media profiles for small enterprises and securing brand partnerships on her own platforms, which now generates approximately £5,000 monthly. She revealed she gave up numerous evenings and weekends throughout her teens and early 20s to develop her side business while completing her apprenticeship and now holds £70,000 in investments with Trading 212, £13,000 in an emergency fund and £23,000 in her workplace pension.‌The management consultant now earns £35,000, resides with her parents in Bath, Somerset, contributing £200 monthly rent and deposits £1,000 on average into savings accounts and stocks each month. She aims to continue expanding her investments and has no current intentions to purchase property with the funds.She explained: "I learned about investing through social media - I was bored during Covid, so I started doing some research. I asked for books on investing for my birthday and Christmas.‌"At first, I was putting £500 into my savings and £500 into my investment account, then I got a little bit excited by it and started investing way more. I wouldn't recommend that, but because I was living at home and had an emergency fund. I had a bit of a safety net."In December 2024 I started a side hustle alongside my apprenticeship, I spent lots of evenings and weekends working on it. I worked myself to the max. I'm not a financial adviser, but if you're in the position to start investing, firstly, do your own research, then don't overthink it and just put in a little bit and learn as you go."This money definitely wasn't handed to me. A lot of people assume I'm just a posh girl from Bath whose had everything given to her, but there's been a lot of hard work and sacrifice.‌"I'm not just a money-hungry girl - I just happened to have worked hard and accumulate this money and it's going well so far. Touch wood."Gabriella has been grafting since the age of 15, with her first role at a garden centre earning just £4 an hour. She credits this early experience with instilling in her the value of budgeting, and despite achieving AAA at A-level, it shaped her choice to pursue an apprenticeship over university — working four days a week while studying for one."I was so bored of education and the money and lack of student debt was enticing," she explained. During her first year, Gabriella took home £18,500 annually, which she described as feeling like an enormous sum at just 18 years old.‌"It seemed like a lot to me, especially coming from £4 an hour, it took a few months for me to learn how to budget," she said. Having settled into her apprenticeship, Gabriella set herself a tough budget with a target of saving 60% of her wages.From her monthly take-home of £1,600, she handed over £200 in rent to her parents, with a further £350 covering outgoings such as her car and phone bill. The remaining £800 a month was squirrelled away into a cash ISA.‌As she entered her second year, Gabriella's salary climbed to £23,000 and, inspired by social media, she began putting her money to work through investing. She channelled £500 a month into her cash ISA alongside another £500 a month into a Trading 212 stocks and shares ISA, watching her pot steadily grow.Once she'd built up £10,000 in a fixed cash ISA — enough to cover three months' worth of expenses as an emergency fund — she ramped up her investments, eventually funnelling £1,000 a month into Trading 212 while contributing far less to her cash ISA.By her final year, her salary had jumped to £35,000 a year, or £2,100 a month, and in December 2024 Gabriella launched a content creation venture as a side hustle alongside her apprenticeship. Managing Instagram accounts for two small businesses brought in roughly £1,000 a month, until the pressure became too much and she stepped back.‌"It was basically another full-time job," she said. "I was working all the time, it wasn't healthy." She now dedicates her efforts to her own channel, earning approximately £5,000 monthly through brand partnerships on TikTok. Gabriella has accumulated £70,000 in investments, with £47,000 contributed from her own pocket and £23,000 generated through returns."It changes all the time, the market is all over the place at the minute," she said. Additionally, she holds roughly £13,000 in her savings account and £23,000 in her workplace pension, bringing her total net worth to £106,000.‌She revealed that people frequently question whether she'll use her funds to purchase property, but she has no immediate plans to do so, explaining that "the housing market isn't as profitable as it used to be"."I don't want to completely wipe out my investments and savings for a house I probably couldn't even afford furniture for," she said.She's encouraging other young people not to fear investing, suggesting they contribute a modest amount of disposable income each month and "learn as you go".‌Gabriella's budgetMonthly salary - £2,100Content creation income - £5,000Rent - £500‌Other expenses (food, car, etc.) - £900£800 - £1,000 invested in Trading 212£200 deposited in Cash ISAArticle continues below£200 contributed to workplace pension