Nobody Is Setting Up Your Pension
I remember sitting in a drafty corner of a Soho cafe ten years ago, staring at a spreadsheet that felt more like a horror novel than a financial plan. I had just finished a three-month ghostwriting contract that had paid well, but as I looked at my bank balance, the realization hit me: without a company HR department to siphon off my taxes and tuck them into a retirement fund, I was effectively working for free in my future. Most of the glossy brochures and “expert” webinars make it sound like a complex, mystical ritual, but the truth about how…