In my initial meeting with a client I regularly ask the question, “what is your biggest financial asset?”. 9 out of 10 clients will answer “my house”, or if they don’t have a house, their answer will be “my car”. I then complete a quick calculation on the whiteboard with them: current salary multiplied by…

There is a lot of attention lately around the affordability of housing and the fact that the current generation struggle to “get into the market”. The major reason most put it down to is property prices rising consistently while incomes have not followed the same trajectory over a long period of time. To illustrate, let’s…

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