Sam Instone

Staying focused on long-term goals is key to good financial health

Finding your financial purpose can help you design a life that you would be happy to look back on

Patience, discipline, optimism and regular reflection on where you are in the process will help you to reach your money goals

Regulate expenditure, increase income and investments, reassess retirement timelines and avoid financial pitfalls

Wealth has the power to enhance most aspects of life, but not everything important comes with a price tag

Investors must ensure that their reactions to events are consistent with their long-term plans

It is important to use the power of compounding to secure your future financial well-being

Know your situation and upgrade with intention to minimise mindless spending

Lack of goals, changing identity and regret can trigger negative emotions during your sunset years

Spending money may feel uncomfortable or counterintuitive but it’s part of a healthy financial life

Past experiences of saving, borrowing, investing or giving can trigger powerful emotions

Even the smallest of habits can help you to learn self-discipline and lead to managing your money more responsibly

Overestimating our capabilities can lead to an inflated sense of confidence - and costly mistakes

Long-term optimism could be the key to prosperity - so put away the pessimism

Traditional asset allocation strategies need to be updated as people are living longer