"There's a difference between knowing what you own and just assuming the word 'diversified' does all the work."

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.

“My flabbers were ghasted.”

“I'm not 'good at maths', whatever that actually means. But I am interested in this and it means something to me - so I'm going to find a way of working it out."

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.

Shame is a self-fulfilling prophecy - you'll find evidence for it in everything that happens.

It's connection, rather than willpower, which will break this down

The future is not something I always thought I would have. I'm on the other side of it now - and that means it's possible.

Creating a garden is an act of hope for the future. And investing works the same way - you plant something today, you don't dig it up tomorrow to check, and over time, quietly, it grows.

Taking a step with your financial life is taking a step with your mental health. If the only reason you're doing it is because you're treating yourself like a pet - do that. You are worth it.

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.

I felt disheartened, I knew that in the grand scheme of things it wasn't a lot of money, but I also knew how hard I'd worked and what it represented.

It's my favourite kind of financial step forward - the kind of thing you set up when you're feeling motivated, and then it's simply in place when you lose that oomph.

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.

Once you are happening to money, instead of it happening to you, your options open up. It allows you to poke around a bit, make some decisions, begin to use money as a tool for the life you want - instead of simply limiting the life you're in now.

That forward motion leads me to do the dishes whilst I'm waiting for my kettle to boil and maybe take out the recycling so the kitchen is clear. Then I've got a spot to sit down and think about what I need to work on this week - and it reminds me that I wanted to repot my money plants. I feel brighter and I've got some momentum.

I always feel so excited and inspired when I think of this and when I watch people pull it off. To go from a tangled web of stress and anxiety which just compounds worse and worse to picking everything apart, formalising it, spending energy working out how we function as people to work out our method and then just simply, enacting it. Woof it does something to me!

Being in debt is not the worst thing a person can be. The dichotomy between 'good debt' and 'bad debt' is overblown in my opinion, there's rarely enough nuance. Rich people might be mortgaged up to the eyeballs but if they've got a nice home nobody's going to be lecturing them. Debt is a tool for some people, if you're aware, clever and cautious about it - and it would be great if it could be a tool for us.