3. CHILDREN’S EDUCATION. Whether or not you have children yet, your first goal should be to excel financially for yourself. I’m always confused when I see people online who are in debt yet want to save for their children’s education. What the hell? First, get out of debt and save for your own retirement. Then you can worry about your kids. That said, the cost of university fees and living expenses can total as much as £50,000 over four years. If you’ve got kids (or know that one day you will) and some spare cash, pour it into an ISA that you can cash in once they reach 18 or 20 and are leaving
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