by Bill Kellner-Read

As you look toward the future and consider retirement, whenever that may be for you, there are three essential questions to ask yourself: What do I want? What can I afford? What can I achieve? Many people focus primarily on the first two questions. They evaluate their pension, review their savings, and determine whether they need to downsize, tighten their budget, or even re-enter the workforce. Maybe you've concluded that…

‘I don’t want charity I want a solution…’  Over the weekend I spoke to a single mum who spends most of her earnings on rent and feeding her child She doesn’t want hand outs, charity or to live on social - She wants a real, workable solution She’s prepared to put in the hours - but - Needs flexibility to fit in with her personal responsibilities ‘But who cares?’  she…

Boost your health, boost your pension Pre and post retirees it’s time to take stock - Are you where you want to be Physically, mentally and financially - or - Is there something Missing Have you spent your life Earning, Giving, Supporting, Providing and been left wondering What’s in it for me - or - What’s next - There must be ‘More’ to life than this! A life of meaning,…

"Nothing is more powerful than an idea whose time has come." I've been sitting with this idea for the shortest time, yet its potential is undeniable. This idea has the power to transform economies—individuals, communities, villages, entire areas. For too long, local economies have been limited by geographical boundaries. But now, we have the opportunity to create local change using a global market. Thanks to the internet, our hands are…

Out of your heart, into your head then -  Ground It  Don’t let the dream fade and die in the busyness of life, let it flourish and grow then -  Ground It Let your imagination go wild, then hold it in check -  Ground It Design it in your mind, develop the idea and then -  Ground It So much of our lives we live with a dream, it sits…

How to STOP moving the deadline So you aimed for that picturesque retirement at 40. Well, maybe 50, 55, 60, or the conventional 65? Dentists, on average, retire at 69, according to the American Dental Association. Life doesn't always play by our retirement scripts. You extended the finish line, perhaps still not having enough to retire comfortably on your current income. The decision: keep going or accept a downhill journey…

When you emerge on the other side, questioning the whirlwind of time, and wonder, "What now?"—that's when you realise the need for a "What Now." A purpose, a meaning, something to keep the gears turning, to create, share, enjoy, and make a difference. You might have thought those aspirations were reserved for the working years, I did. Surprise! I was wrong. The desire for input, relevance, and impact doesn't retire…

In a world where creatives often find themselves tethered to the demands of daily life, caught between the expressive flow of their dreams and the pragmatic rhythm of financial stability, a common dilemma unfolds.  Many creatives yearn to send their creations out into the world, leaving an indelible mark, but the constraints of work and finances shackle them to someone else's vision, stifling their own. Yet, there is a transformative…

In a world that often tells us to postpone joy until retirement, what if we questioned that narrative? What if there's a way to enjoy the benefits of retirement living now, without waiting for a distant tomorrow? Breaking the Mould: We’ve been handed the life script - work hard, accumulate savings, retire, and then finally enjoy life. But what if we challenge that notion? What if life doesn't have to…

Have you ever pondered the power of "What if"? Does it inspire action, or does it instil fear and hesitation?  The "What if" scenarios in life can either paralyse us or propel us forward into newfound strength and determination. Consider the simple "What ifs": What if it rains? Grab an umbrella. What if the trains go on strike? Find an alternative route. What if you fail an exam? Dust yourself…