We need to really think about what kind of life we want? That is, what do we want out of it? Do we want to work forever – because work is fun? Or do we have a long-held secret dream of us, our family and a little boat somewhere? Whatever the dream is, the key is then to put the money firmly to work for us.

It helps to know that someone, independent from them, is taking care of their children’s financial health and they may be relied upon when their children are having to navigate a difficult path during times of ill health, divorce or financial woes.