Michelle gets paid once a month. Her employer automatically deducts 5% of her pay – an amount she set up by talking to her HR department – and puts it in her pension. The rest of Michelle’s salary goes to her current account by direct deposit. (For simplicity, I’m not including taxes here, but you can control how much your employer withholds from your salary each month to pay taxes by looking at your payslip.) About a day later, her Automatic Money Flow begins transferring money out of her current account. Her stocks and shares ISA will pull 5% of her salary for itself. (That combines with the
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