17/06/2026
Every financial journey has three phases.
The Build. The Messy Middle. The Wind-Down.
The first and last are actually the easy parts.
It's the middle that gets most people.
Careers at full stretch. Kids getting expensive. Parents needing help. A mortgage that's very real. Life coming at you from every direction.
And right in the middle of all of that — three temptations that can quietly undo everything you've built:
✖️ Stop your contributions
✖️ Get clever with your strategy
✖️ Dip into your long-term savings
The good news? If you already have a plan in place, your job isn't to do more. It's to get out of your own way.