Chapter 5

Start yesterday

Every journey starts with a single step.

Confucius

People often tell me they’d really like to come and see me for advice — once they’ve got some money in the bank. Why do they put it off? Some people assume that financial advisers are concerned only about looking after their clients’ investments. But that’s not really what we’re about at all. A good financial adviser will help you identify what is fundamentally important to you and what your goals are, then help you to pursue your passion by developing a plan and then keeping you on track and accountable.

Others think it would be too embarrassing to admit to their personal debts and financial muddle, and imagine they’ll sort it out for themselves first. This doesn’t ...

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