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WHAT IF YOU GAVE THEM A HEAD START? £1 A DAY. ALMOST £10,000 AT 18? That sounds almost too simple. But that's exactly why I want to show you the numbers. I'm starting with £1 a day for my granddaughter. That's only around £30 a month. If that contribution increases over the years to keep pace with inflation, and the money achieves an illustrative 5% annual investment growth, the numbers become surprisingly interesting. £1 A DAY → ALMOST £10,000 Over 14 years, the illustration

Business numbers don't have to be complicated. Running a business means making decisions every day. Some are big decisions. Some are small. But quite often, the information you need to make those decisions is buried somewhere in your accounts, spreadsheets, bank statements or accounting software. The questions themselves are usually much simpler: Am I making enough money? Are my costs getting out of control? Am I charging enough? How much do I actually need to sell? Where is

9 September 2026. I officially retired. I was 66. And I had a problem. I didn't have enough money to stop working. I have no SIPP. No substantial private pension. No investment portfolio waiting to fund my retirement. My main retirement income is my State Pension of around £1,054 a month. So, despite officially retiring, I still need to work. And that's one of the reasons you're reading this. I've spent a lot of my life doing things I wanted to do. I've travelled the world. I