Early-stage Life Goals


Young people potentially face more financial challenges than people at later life stages. The range of potential uses for money is wider and so is the range of time horizons they imply. You might want to fund a period of retraining now on the basis this will increase your lifetime earnings.

You might need to delay any savings to support a young family. You see conflict between property ownership and retirement saving, both of which are long term in nature but offer very different short-term satisfaction. You many reject inherited thinking, whether from parents or 'old media' yet have not yet formed your own foundations for making choices about money.


Planning at this early stage offers most valye when it is about building those foundations rather than just dealing with specific choices. Like most life skills, it's about mindset rather than knowledge.

- Stuart Fowler

Start a conversation

Find out answers to the questions below by contacting us...

EMAIL                   CALL


What could I use my first savings for that would have most benefit?


Isn’t walking out of a bad job or extending my education more powerful than starting pension savings?

What could I use my first savings for that would have most benefit?

Does the idea of power money mean it should be in cash rather than invested in the stock market?

Power money


Housing ladder

What makes buying better than renting?

What are the risks that come with a mortgage?

Why is owning such a big thing in Britain compared with many other countries?

What am I giving up if I always rent?

Is co-owning a good idea?

If I’m saving for a deposit, should I avoid risk, or try to match the risk in house prices?


Aren't other priorities more important, like starting a family?

Why put any of my savings into a pension unless my employer is matching my contributions?

Why not opt out and use the new Lifetime ISA instead?




How do I know how much risk to take with my first long-term savings?

Can't I get by without exploring the stock market?

Why do I need stock market investments when I can just invest in property?

© 2016-2020 Fowler Drew Limited

  • Black Facebook Icon
  • Black Twitter Icon
  • Black LinkedIn Icon

Authorised and regulated by the

Financial Conduct Authority