A lot of young people probably feel like they will end up needing to live with their parents until they are 40 and work until they are 80!

Truth is things are probably harder now

Getting on the ladder in the is much harder

Saving for retirement is much harder

The State Pension is now at least 68 probably later for anyone in their 20’s & 30’s. For many people it is lower than it used to be

Historically most people use to have guaranteed company pensions and if you worked 40 years you often got 2/3rds of your final salary

2/3rds of salary & State Pension means many had as much income as when worked

Couple with mortgage paid off and kids off the books & many who retired in the past had it very good

My grandparents retired in the 90’s are great example & will tweet about separately

Those coming up to retirement now & in next few years are starting to have more trouble than those before but they aren’t going to take the brunt of it, it will be those in their 20’s, 30’s and probably 40’s

Pensions no longer guaranteed and a fraction of what they used to be

State Pensions that might not pay until 70s

Getting on the property ladder much later and with far bigger mortgages that carry on into retirement or maybe renting indefinitely

Coupled with jobs not being for life anymore and far less job security

All leads to a bleak outlook for many

But it doesn’t need to be this way

You see the young have the internet something people retired now & about to retire didn’t have in their 20s

This is the game changer that can mean things can be as good or better than before

But it is on YOU

No one is going to help you onto the property ladder or have a comfortable retirement like they used to

So use the power of the internet in your favour not to spend more money easier than it was ever possible

Use the internet to improve existing skills or learn new ones that can help you progress in your 9-5 or to start and build a side hustle. This is all about increasing your income, as with a small income none of these problems can be solved. Use this income to re-invest in you

now with this extra income don’t do what most do and spend it all! This is where you can use the internet again to give yourself a first class financial education to learn about how to start long term investing.

These days it is far easier to learn about investing and personal finance

With the internet investing is far simpler if you are new and can be done at far smaller levels then it used to be

It is no longer the preserve of the wealthy or experienced

My intention over the coming months is to start releasing materials to help with investing & financial education

I have 14 years professional experience in this area & believe it doesn’t need to be nearly as complicated as many would have you believe

The future can be bright