There are plenty of ways to get ahead. The first is so basic I'm almost embarrassed to say it: spend less than you earn.

Success on any level begins when you accept responsibility for creating life what you want. You are the only person who can truly make it happen. Not your boss, your business partner, your financial planner, your spouse of life-partner. Just you.

Invest in yourself. Your career is the engine of your wealth.

Before you start trying to work out which direction the property market is headed, you should be aware that there are markets within markets.

The only prerequisites are past experience, a suitable personality and good communication skills: you need to be able to communicate adequately in English.

Don't invest in anything that you don't understand. Do your research first.

For many people a job is more than an income - it's an important part of who we are.