I see ads like this all the time from other advisers and it tends to annoy me.

It’s a clear play on the meme that went around ages ago about cutting back on coffee of avocado toast to save for a house.

It’s designed to get you annoyed, give you some FOMO and make you think you need to do more, and they can sell you on buying rental property, with the aim that this helps you pay off your loan faster.

For many people, going into the new year meant making clear goals and determinations to change things and do better. I have had many sessions with people already this year wanting to get better with money.

The challenge with resolutions is they are made in a moment of excitement, and that excitement cannot be maintained indefinitely.

 We often get asked about what advice is for and its value. Advice is for many things, but it all comes down to making sense of Life’s defining moments.

It may be difficult to see how this applies so here are some ideas.

Don’t panic sell your investments, if you think you have to cash out soon, get advice. This shall pass, you need to Hold Fast.

In short yes. But here’s the thing, where or how to invest is less important than why to invest.