This is a simple piece of advice that most people ignore: spend less than you earn. And make a decision to save a set percentage of your income each month. Put it aside. Direct Debit it. Then it becomes a habit. And not just a wish. And let’s be honest, as smart as we all are, no one has worked out how to cancel a direct debit quite yet.
Give this fund a cool name, like Escape Fund. That is already a more powerful picture than a pension or savings account ever paints. And go and get some great advice on how to best invest that fund from a professional. For you to master money, you want money to work hard, so you spend more time on doing your best work.