"Tax relief now and taxed later, or no relief now and tax-free forever - that's the whole question."

"Cohabiting, even for twenty years, counts for nothing here. This exemption is specifically, only, for marriage."

“Equal is not the same as fair. The real test is if each partner feels heard, respected and secure.”

"Saving money on food isn't about spending as little as possible. It's about being intentional, wasting less, and treating yourself preciously."

"Stability and comfort is your birthright."

"You were never too stupid for this. The vocabulary just wasn't explained properly until now." 

"If the amount of money predicted the feeling, that wouldn't make sense. But it's not supposed to make sense - because the feeling was never really about the amount." 

The moment most people discover they got disclosure wrong is often the moment they're trying to make a claim. That's a terrible time to find out.

"Life insurance protects your people after you're gone. Income protection protects you - and them - while you're still here."

Underwriting can feel like being judged. But the point of the whole complicated, intrusive, sometimes infuriating process is to end up with a piece of paper that says: the people you love will be okay.

A decline from one insurer is not a universal verdict.

Social wealth doesn't appear on your net worth spreadsheet - but it is absolutely real.

Managing money when you are depressed is genuinely harder. It's not a moral failing.

Financial stability isn't all about retirement or nice houses. It's about giving ourselves the breathing space that, as humans, we might need.

Clients come to me not because they're ready, but because something shifted just enough to make reaching out feel possible. That's enough - that's actually plenty.

Anxiety loves vagueness - it swirls around the unknown and makes it bigger and badder than it really is. A real, specific number might feel uncomfortable, but it is always less frightening than an imagined one.

Money issues are rarely just money issues.

It could be worth reflecting on whether what you need is support and confidence rather than somebody to tell you the financially best thing to do with your money.

Good personal finance is like a web that you build to support you. Lots of different layers and connections, where one single strand should not be the be all and end all.

The cognitive shift it takes to decide to pay yourself first is absolutely key. It might feel silly at first, it might feel too little, or too selfish, or too serious - but it is none of those things. You take care of the things that you love.

Gilts and bonds are essentially loans made to governments and companies which will be paid back to you at some point and earn some interest in the meantime.

They’re not as flashy as stocks and shares but they’re a solid part of an investment portfolio and they have interesting political implications.

Here I talk you through what they are, the common terminology, how they’re taxed and how you as a retail investor can access them. All in down to earth, understandable language.

Becoming aware of our cognitive biases to make money feel safer. How seeking the emotion of awe will help us counter the Recency Illusion bias and help ground our nervous systems in the present so we can build wealth and community in a safe and stable way.

Find a partner who is solid, sensible, aware, silly, fun and centred. Look for these five financial green flags.

This isn’t just about money is it? It’s about who we are and how we move through the world - money just makes that possible.