Have you noticed a trend towards minimal lifestyles? It's everywhere. From Instagram accounts about packing everything into a camper van and leaving the ratrace (#vanlife), to decluttering your mental state with mindfulness. Of course

Currently the Health Secretary Matt Hancock is lobbying the Chancellor Phillip Hammond to look at waiving the Lifetime Allowance on NHS pensions, specifically a problem for high earners such as Doctors.

Why is this a problem?

There is a

Just a couple of weeks ago a friend pointed out a Facebook advert to me. It was titled “Marks Money Matters”. It was advertising a fixed rate ISA with a return of 8%... I wonder how many people have just read that and thought, “ooh that