Warren Buffet was once asked how he could remember so much detail about thousands of stocks. His answer was ‘Well, you start at A … ’.

Every journey starts with a single step. The question is when will you take yours?

So, your financial advisor tells you to put half your salary into a pension scheme, which you won’t see until you’re almost dead, in order to make sure you will not have to sell your home to pay for your upkeep in a nursing home … bloomin’ marvellous!

What about the guy who just went past in the Aston Martin, or the guy on the yacht in Monaco Harbour? Are they just lucky? Did they inherit it? Are they smarter than you? Probably not.

When you look at the richest people in the world nowadays, in either Forbes or the ...

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