Mantras hold great power. When you change how you think and talk, it starts to change how you feel. When you change how you feel about yourself and money, you'll find that naturally your behaviours begin to change. Why? Because your behaviours align with how you feel. This is the mindset that will help you create the future you deserve and desire. So, let’s make 2024 your best financial year yet.

The short answer is, there’s no right or wrong way and it’s going to look different for everyone. Some financial experts offer a formula to help you calculate your pension which is handy, however I believe in order to work out how much you need to put away, you need to know what you’re working towards. How much do you actually want to retire on and what type of lifestyle do you want? Getting clear on these questions will help you understand how this transposes into financial habits in the now.