Building a better culture of investing through powerful financial literacy.
“The game was never rigged; we just didn’t learn how to play it.”
Every student in the UK leaves school understanding how to parse a Shakespeare quote. Almost none leave understanding how to open a brokerage account, how compound interest actually works, or the difference between the FTSE 100 and the S&P 500.
At Time in the MRKT, we are bridging the gap in cultural literacy where it matters most: our financial future.
The Problem: Financial Literacy Stops at the Payslip.
Most financial education focuses entirely on basic administration—teaching young people how to read a P60, understand tax codes, or manage a tight budget. We believe that’s only half the story. True financial literacy isn't just about managing deductions; it’s about unlocking growth. Because foundational education is missing, millions of Britons are left vulnerable to two dangerous extremes:
Stagnation: Leaving hard-earned wealth to sit in standard bank accounts, choosing a smooth, flat line that guarantees a loss of purchasing power to inflation.
Speculation: Falling prey to high-risk gambling instruments and complex financial products masquerading as legitimate investments.
We aren't a risk-averse nation—nearly 60% of UK adults placed a bet last year, while only 23% have exposure to equities. We aren't afraid of risk; we are just operating in the dark.
Our Philosophy: Shifting from Saving to Growth.
No knowledge is useless knowledge, because all knowledge unlocks further learning. We don't just teach people how to save what they have—we build a culture of investment.
By shifting the focus from basic administration to the power of compounding, markets, and long-term wealth creation, we empower the next generation to stop just working for money, and start learning how to make money work for them. A small amount compounded over time is the most powerful financial lever we possess. Investing—not saving—is how you pull that lever. By accepting the jagged, non-linear reality of the stock market, we give our money the runway it needs to genuinely compound.
The Proof: The "Mark" Approach.
To understand what we do, you only need to look at a single, quiet habit.
Since the age of 14, our colleague Mark has invested just £7.50 a week into an S&P 500 tracker fund. Over three decades—spanning school, university, and his working life—his total capital contribution was a modest £11,310.
Today, thanks to the unrelenting force of compound interest over a long runway, that tiny weekly commitment is worth roughly £67,000.
What does Time in the MRKT want? More Marks.
The game was never rigged; we just didn’t learn how to play it. We are here to provide the powerful, foundational knowledge needed to help everyone take control of their financial road to security and true financial freedom.