Be honest. It is what it is, right. But don’t make it worse than it is. And, the first step is the one to take. Because that is the hardest.
Is your pension what you think it is?
Is playing the stock market the answer when an index-linked fund beats it every time?
Are your assets providing an income?
What are your outgoings?
How can they be reduced?
How can you swap your expensive lifestyle for a more frugal one?
If there are seven forms of wealth, how do you rank yourself out of 10?
Are you on the right path?