So what did I do? I started to plan, or at least think more about my current AND future financial wellbeing. Every so often I take the time to sit down and work out what I can spend and what I can save - for the short term and that all important first home - but I also started looking out for future me by considering my long-term savings (including the pension I have with work). It’s not an exact science, and there have been countless months where I have dipped into my savings to cover something I wanted - although definitely didn’t need - but having one eye on the future helps me realise I can do that. There are of course no guarantees in life, but knowing I’m doing something, helps me feel in control.

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But here’s the thing – I hadn’t previously been aware that my long-term financial future was something I needed to be consciously thinking about right now. I’d assumed, as I know many young people do, that things would work out and I could make up for lost time (and money) when I’m older.

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So given the work I do, I feel like I am lucky to have been made aware of the things I can and should be doing now, to help out future me. But that’s silly. Why should it be about luck?  

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I have started asking all the amazing women in my life about their financial wellbeing, and whether they’ve considered their financial futures. And that’s where we need to start. We need to be talking about this, spreading the word far and wide. No more leaving it to luck. If we want our future to be in our hands, we’ve got to know how and when to grab it.

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P.s. it's now