Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

She Was Doing AMAS Before She Even Knew It Had a Name.

23 Jul 2026 · 1 min

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1:20

In this conversational excerpt, Speaker A explains a personal budgeting method using a £1,000 pocket‑money example: they live on £800 (80% of income) and allocate the remaining 20% to a separate “Titan Savings” account, an informal savings bucket that predates their awareness of AMAS (Automatic Money Allocation System). Speaker A describes how they kept money in a hard‑to‑withdraw account over the years, later moving some of it into investments. While they enjoyed the habit of saving, they acknowledge that pure saving was not an optimal strategy, but it provided liquidity when needed. Ndubuisi “Andy” Egwim reacts positively, reinforcing the discussion.

believe that, look, the pocket money I have, if it's £1,000, for example— of course I'm just explaining— I have £800, so I live on the £800. Okay, but it doesn't mean I don't have a miscellaneous savings or miscellaneous expenses we shouldn't spend out of the £800, but I'll just live on the £800. And so I work by ratio, so I just decapitate the money by 20% Titan Savings. It doesn't really exist. Yes. So, so it's not something that anything happened and then I can get there.
I love it.
Doesn't really exist, although I didn't know about AMAS then, but I had another account that the money goes to. Yes, you know, this kind of accounts that you don't deliberately collect a card on it, really is a bit difficult to, to, to withdraw from it. So I just did that over the years. Of course, from there I did a few investments, and from there, most of it for years I was just saving. I love it. Just saving it. But it, it was— the saving wasn't a good strategy But the advantage was that when I needed my money, I was able to get it.
You get it. Yeah, because you have to start from somewhere, right? Sometimes some people have to pay off debt and then save and then invest. So you start saving. I avoided debt as much as I could, as much as possible.