Aaron Knightley claims to have bank accounts with several firms, including Nationwide, Monzo and Starling Bank
04:00, 25 Jul 2025Updated 09:36, 25 Jul 2025
Aaron Knightley claims to have a number of different banks accounts to help organise his finances(Image: Aaron Knightley)
A 32-year-old saver says he owns around 33 bank accounts – and they’ve helped him ‘save millions’. Aaron Knightley, a business expert from the UK, has highlighted the straightforward but frugal habits that have taken him from the daily grind to complete financial freedom.
Having grown up on a council estate, Aaron was resolved not to fall into the same money problems his parents did. But, speaking with the Express, he said you’d now be forgiven for thinking he was a well-off ’75 year old’, thanks to his fortune.
In a conversation last year, he explained: “I grew up and my family didn’t have money I, even until this day, I don’t really spend money on materialistic things but I’ve done pretty well financially for my age.
“I’ve looked after my money very well and what I figured out early on is that my main goal was to get out of a nine-to-five job. I really didn’t want to be in a nine-to-five job. So, I knew that I needed to have what I call ‘f*** you money’… So, in order to do that, I just needed to manage my money correctly.”
Aaron’s 33 bank accounts stretch across various firms including Nationwide and Monzo(Image: Aaron Knightley)
Believe it or not, the self-employed 32 year old claimed he owns an impressive 33 bank accounts, spanning across a range of firms including Nationwide, Monzo and Starling Bank. While his primary reason for this is to handle ’15 streams of income’, he also advised that spreading your funds can be an effective way to focus on different financial objectives.
First, he channels his entire income through what he calls ‘holding accounts’, which are essentially standard current accounts that help him monitor the total earnings before deductions. After accounting for things like tax, the money moves to his ‘net accounts’ and is then allocated to various specific purposes.
He explained: “Then it will start to sort of fish off into savings and investments, my son’s money, emergency, maintenance, floating funds, cash reserves, venture capital, stocks and shares ISA, my private pension… crypto and holiday money.”
Although this system might seem complex, Aaron claimed it’s quite straightforward due to his reliance on standing orders. This set-up automatically transfers money from one account to another each month, removing any emotional decision-making from the process.
“A standing order means every time that income comes in, there’s no emotion in it,” he stressed. “Most people get emotionally involved. So, if you owed me £100, some people wouldn’t even put that on a standing order to pay back.
“They’d get paid and they’d be like, ‘Oh, I’ve just been asked to go out by the girls, but I owe Aaron £100’… Because there’s an emotional feeling involved they might be like, ‘Oh, I’ll pay him back next week and I’ll go out with the girls’. I’ve taken all the emotion out of all my finances [it’s all automated].”
Holidays, pension funds, emergency money and crypto are all accounted for in his banking habits(Image: Aaron Knightley)
Beyond organising finances, Aaron also suggested keeping track of small avoidable payments to help save funds. With that in mind, he quite contentiously asserted that the cost-of-living crisis isn’t as bad as people make out.
“If someone says to me, ‘Aaron look at it in the paper, the cost-of-living crisis is real, prices are going up’, my question would be, ‘Ok, number one I want to look at your finances, where you spend your money’… They would never let me look.
“I would go through it finally to find out where they spend their money and I guarantee it would be on the following: NowTV, Netflix, curries, restaurants, JD, finance, financing a car, keeping up with the Joneses, remortgaging when you can’t afford the payments.
“Money is there, they don’t live frugally, everyone wants to pretend to look rich because of society and social media, but no one’s got a pot to p*** in.”
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