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Investing in your future has always been a thing people say they want to do but never get around to doing it. This is because the thing you're trying to improve (life) gets in the way. Sometimes you just need a little help. Life insurance is another way of securing finances for your family's future if you fall ill and are unable to support them financially. If you had an accident at work you can call an injury lawyer who can assist you in the process of obtaining compensation but if you had insured against such events already it would be so much easier. This will only help if you have health problems in the future which are covered. But what if you don't have any problems? Back to investments. I see a few easy and painless ways of doing this 2 Pint Pension Create your own pension scheme. Virtual buy yourself a drink or two a week and put that money religiously in a savings account. An added benefit to this scheme is it limits your actual drinking so you don't turn into an alcoholic and need rehab! With the same 2 pint money after a few months saving, buy shares or forex (foreign exchange) This definitely is way riskier and you need to know what you're doing but the rewards can be astronomical. A small investment can turn into a small fortune in a few years and better still the dividend yields can be reinvested creating more wealth. Getting a mortgage is what many people will do this is a fact of life that you may want to own your own home one day. So what is the best way to do it? Let's say for sake of this scenario, Jane read this when she was 23 started doing it at £/$10 a week, 40 a month, gave herself an few extra drinks for her birthday and Christmas so ended up with 500 a year, invested in the sock market after year one and by year four had 8000 in her 2 Pint Pension Pot. Now she can use that for a deposit on a house and start the process again. However now, if she put down a 5% deposit she has further leveraged that 8k to a 160k asset which she will owe 152k on. BUT give that 10 years that house will now on average be worth at least 30% more 208k but you still only owe 152k leaving a massive 56k to you. You can now move further out where house prices have not caught up yet, sell this house for 208k give back 152k put down a 5% deposit of 20k for a 400k house and place the balance of 36k in your 2 Pint and continue buying yourself drinks! With this method life is not getting on the way it is the way. Try it, it's simple and painless and donate me a few drinks when you realised I just saved your life.