Are you a natural high saver or are you a wild spender? Are your spending habits putting you in a risky position and on track to a vicious cycle? What adjustment should you make to your cashflow? What IS cashflow? How much emergency cash do you need? How should you allocate your income and savings?
These are the questions that we need to talk about and it is perhaps the most important conversation to have before we even start talking about financial planning. And all it takes is 15 mins to get this sorted.
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Will I be able to retire comfortably?