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June 20, 2025 36 mins

"I quite like earning money and I quite like working" - the simple statement that launched a £500 million finance empire!

Lucy Waters reveals her incredible journey from an 18-year-old photocopying assistant to building the UK's largest specialist finance brokerage. When her boss told her to "stay in your lane," she walked out and started Aria Finance with a friend - right before the 2007 financial crisis nearly destroyed everything.

The Extraordinary Journey:

  • Left college for a £12k/year mortgage brokerage job at 17
  • Started own business at 18 after being told to "keep doing the photocopying"
  • Built 6-figure profits by 2007, then lost everything in the financial crisis
  • Spent 18 months contemplating quitting during the darkest period
  • Emerged stronger, pivoting into commercial and bridging finance
  • Now processes £500 million in loans annually with 50+ staff

Key Success Principles:

  • Fear of failure as a driver (not limitation)
  • "Discipline is prioritising future you over present you"
  • Hard work beats talent when talent doesn't work hard
  • Just keep going + look for opportunities = breakthrough moments
  • Stay involved in the business, not just managing it

This is about resilience, reinvention, and the power of refusing to give up when everything seems lost.

Don't forget to follow for more extraordinary millionaire stories!

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