A lot of people live in a property that will one day be part of their pension, and that is true for me too. I have an investment I can sell with ease.

It's cool to have a well run, comfortable and inviting home.

I am now at the age where I can withdraw a 25 per cent tax-free lump sum. I do not put in a set amount because my earnings are a moveable feast.

Rearranging furniture, adding some candles, or making even small tweaks can really make the difference.

I have worked and earned all my life and have found that divorce is an expensive process. Whichever way you look at it, you are going to halve your wealth. If you can avoid it, do. It is an awful process.

A proper family diary with everyone's events and parties in it really helps organise the household.

I do not think we should tax people to a point where they are looking for tax loopholes and getting their money out of the country.