Carina Duan

And then look into the future.

And there are like the three pillars.

You have your state pension.

We also have auto enrolment now and a lot of people will have a private pension as well.

And it's really, again, about finding out what you have.

And if you're happy that that's going to be what you have to live off in retirement, that's great.

You don't need to do any more.

But for most people, it's I know I have a pension.

I don't know what's in it.

So I would say today, you know, if you have a pension online, go in, check it out, see what you're due.

great if you feel that you're going to have enough but if not you know that's when you start looking for advice.

No I haven't heard of that particular one but there is loads so there is yeah.

Yeah, because a lot of the banks do it as well now.

So they will categorise it and you can go in, you can put in your own categories as well.

And that is a really good way to quickly identify, have I overspent this month?

Have I put money into savings?

Where do I maybe need to look, pull back on or can I pull back on certain areas?

Know where it's going is the advice.

That's exactly it.

Yeah, I think that's what it comes down to.