‘AS LONG AS MY JOB PAYS THE BILLS WITH A BIT LEFT OVER, I’M DOING FINE’

THE TRUTH: Your lifestyle today may not be sustainable forever.

The biggest lie we tell ourselves is that we’re doing okay if we have a good income, a nice car and enough money for occasional holidays. In fact, we should be thinking about that time in the future when we no longer have wages coming in, advises Carter. ‘Unless you are actively building a retirement nest egg as well as paying off your home, you will not be able to afford to retire and have the same lifestyle as you do right now.’