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Lifestyle creep can happen when you dedicate increased income to increased spending. This can be almost imperceptible during your working life; it ‘creeps’ up on you. You get a promotion with higher pay, and understandably you splash out on some
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Most of us think of retirement planning as something we need to do long before we’re retired. And of course, that’s preferable, otherwise we might never find ourselves ready to retire. During our working lives, fresh earnings help with planning
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Retirement ruin isn’t something that’s pleasant to think about. But unless we have a high enough guaranteed income for life, funding our lifestyle depends on maximising the probability of success. Old-fashioned retirement calculators ignored uncertainty, and predicted exactly how long
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When you use the EvolveMyRetirement® app for the first time, you’ll no doubt have an initial emotional reaction to the resulting optimisation. This reaction depends both on the state of your finances and on your prior expectations. Unlike most retirement
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By most standard definitions, wealth consists of accumulated assets. In other words, it’s what you already have rather than what you earn. But most people would consider someone who’d just landed a job with a huge salary as wealthy. And
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