Sam Instone

Financial products are designed and sold by an industry that depends on you feeling either anxious or excited

Financial institutions often benefit from the complexity and discomfort of staying invested during turbulence

The savings rate that actually works is the one that stings a little

The metals have genuine real-world applications, but as financial assets, they produce nothing

Dominant companies are broader and more resilient than they appear

Experiences tend to linger in our minds while objects fade into the background

Routine maintenance prevents minor issues from becoming expensive problems

It is now likely to be flexible, health-focused and internationally connected

Start with small, manageable steps but consistency is vital

Investors must become comfortable with feeling under-allocated to the hottest trends

Everyone’s running, but we’re all in it for different reasons

Emotional awareness and self-control help resist the urge to act out of fear or greed

The calmer, steadier approach to money often wins over the clever, reactive one

Remaining disciplined through the inevitable market downturns leads to lasting success

When people feel their concerns are heard and valued, they are more likely to trust the process