Sam Instone

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

Review the long-term consequences of your decisions regularly to help calibrate your thinking

Awareness around high-quality decision-making is very important to lead a good life

Working smarter will help you to achieve better results with less effort

Stock markets have a history of rewarding investors for the capital they supply to fund innovation

And the great thing is, it may not be as much as you think

It’s best to disregard external validation for work and instead rely on internal measures of success

Begin by defining what financial success means to you and setting clear investment goals

The recent cryptocurrency crash is a good example of some investors ignoring the warning signs and potentially losing their life savings

Understanding that money is nothing more than a tool can help you to design a life you will be happy to look back on

Working smarter rather than harder allows you to focus on what matters most

Reflective listening and a change of mindset will help you to avoid misunderstanding financial topics

Being trapped in a 'sunk cost fallacy' can lead to a waste of time, money and resources

Not everybody will face the same money challenges, but being prepared is a step in the right direction