Sam Instone

It is important to use the power of compounding to secure your future financial well-being

Know your situation and upgrade with intention to minimise mindless spending

Lack of goals, changing identity and regret can trigger negative emotions during your sunset years

Spending money may feel uncomfortable or counterintuitive but it’s part of a healthy financial life

Past experiences of saving, borrowing, investing or giving can trigger powerful emotions

Even the smallest of habits can help you to learn self-discipline and lead to managing your money more responsibly

Overestimating our capabilities can lead to an inflated sense of confidence - and costly mistakes

Long-term optimism could be the key to prosperity - so put away the pessimism

Traditional asset allocation strategies need to be updated as people are living longer

Review the long-term consequences of your decisions regularly to help calibrate your thinking

Awareness around high-quality decision-making is very important to lead a good life

Working smarter will help you to achieve better results with less effort

Stock markets have a history of rewarding investors for the capital they supply to fund innovation

And the great thing is, it may not be as much as you think

It’s best to disregard external validation for work and instead rely on internal measures of success