Secure Your Financial Future: The Power of a Safety Net As couples near retirement, the spotlight often shines on growth—maximising investments, increasing returns, and building a substantial nest egg. But here’s the reality: even the most brilliant investment strategies can falter without a solid financial foundation. Before diving into investments, it’s crucial to establish a safety net. This means having easily accessible savings to cover unexpected expenses—aim for three to six months’ worth of living costs. Why? Because when life throws you a curveball—a broken boiler, a family emergency, or sudden income disruption—tapping into your long-term investments can lead to costly repercussions. Take Chris and Amy, for instance. They once viewed “cash on hand” as a roadblock to growth. Today, they regard it as peace of mind—a protective buffer for their retirement plans. Building a safety net isn’t about playing it safe; it’s about safeguarding what you’ve worked tirelessly to achie...