Stage 1 is to examine and set goals, stage 2 make a financial decision taking into account the multiple options available andthe possible consequences on ourselves as individuals and other household members, stage 3 implement the decisions and monitor them and stage 4 review them and modify them as necessary through the lifecourse. Consider money another factor in our well being, one that is malleable and changing, one that is best to come to terms with rather than let it dominate you. It is important to make financial decisions jointly if part of a household should the future leave us bereft and in hardship, provide for those less able, provide for those who do unpaid work such as caring and yet also deserve a decent retirement. Men still earn more than women on average on similar jobs, the houselhold must discuss and spare a thought to the future of all its members should things go awry. These things are best discussed in advance, best to make provisions when we have a clear and level head and we are in abundance than have to react to hardship. Less individuality and more commonality. Liberalisation might have suited the world’s governments to abscond responsibility for the less able, let’s not do the same in our households and communities. Let’s think and value all sorts of contributions, albeit paid or unpaid and recognise the work, the energy input of those quieter, more ‘invisible’ members that nevertheless keep the household going.