I’m still trying to find some direction in my life. I dream of adventures, long journeys by car, train or motorcycle. I dream about building a racing car with my son, something that we can take to track days together. I dream of climbing mountains and hiking along deserted beaches in the warm winter sun of some far off land.

For the last few years, I have tried to live a simple life. I want to have some financial security, not needing to worry about how I can afford to pay the bills or buy fuel for the car. I would like to own a home of my own, but mortgage-free. I think having a mortgage is a huge burden, but is probably hugely beneficial in the long run. I wish someone had explained the need for a decent pension plan.

So, I might have missed out on being given good advice, but that doesn’t mean that I cannot pass that advice on to my son. Rhona and I are determined that Karta starts his journey into adulthood armed with the tools he will need to be successful in whatever he decides to do. From Karta’s next birthday, we will encourage him to save 50% of any money that comes his way, be that pocket money, birthday/Christmas gifts or earnings from Saturday jobs. Half of everything he earns will be placed into a savings scheme that will mature over several years. We will also help him to find a pension plan that will stay with him until retirement. I have work to do to find something that will allow us to top up the pot now and again.

It is too late for me, but not for my son. That is all.