This 'classic edition' has been updated for 2022 and beyond. It will include the following changes (with more to come): - A new author prologue will update the readers on what to expect in a post pandemic world. - Revised figures and examples that illustrate the principle rather than the most current numbers to educate and empower readers rather than link to soon-to-be-outdated data. - A new section 'Where to get more information - in one-and-a-bit pages'. This ensures everyone knows how to stay up to date with what's going on that might affect their money, where to get the latest figures for their 'Donald Bradman Retirement Strategy' and where to get help for financial hardship. - Updated and new case-studies: where are the people now that were included in the original book and how have their circumstances changed, plus completely new people and stories.