Chapter 1

What are you waiting for?

You cannot escape the responsibility of tomorrow by evading it today.

Abraham Lincoln

Someone once wrote, in relation to taking personal financial responsibility, ‘A man is not a financial plan’. I can’t remember where I first read this, and I’ve certainly heard it a number of times since, but it rang so true to me I just had to open the book with it. As an independent teenager who worked from the age of 14, I always had money to save for things I wanted and to spend on having fun with friends. Maybe because of this, and because of my parents’ separation when I was still young, I never really considered the idea that a man, or even my parents, would be my path to financial security.

So it surprised me ...

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