We hope this guide will offer some useful tips, or at least encouragement so that once your young family is not-so-young, you can excitedly look forward to your hair transplant, facelift or Harley Davidson (other mid-life crisis fantasies are also available!)

Though research tells us that earnings typically peak between the ages of 40-49, this also typically coincides with a period of our lives when outgoings are at their highest.

Mortgages and loans would often be our largest commitments and first priorities on incomes. You may at some stage, need a bigger home, a bedroom each for your children, and the daily commute is so much harder if your current home isn’t close to their schools.

There are, though, quick-wins we often highlight to clients with families which will make a real difference to the financial comfort of your family….and potentially nip the hereditary insanity in the bud before it really takes hold!