When we first started out, my wife and I decided that the first thing we wanted to do was buy a home. We felt that it would be a good base for us and would help us to get a foot on the property ladder.

I own a business and my wife has stayed home to raise our four children. We love to travel and are very active on the arts scene but have also been committed to seeing our children through secondary school and university. It was important to us to make sure they start their lives on

solid ground.

Twenty years ago, I remarried and my new husband and I started our lives together with debt from our respective divorces as well as a blended family of five children. We were both employed and were very slowly putting some money aside for our retirement. We were conscious of feeling like we were starting too late in the game to get a really good result.