The phrase ‘Saving Towards Retirement’ is loaded. There’s loads of information to wade through, and an undercurrent of fear that you don’t have enough. In my conversations I’ve started to pick up on some personal money myths that might be hijacking our reason.
Dreaming is good. A dream, almost by definition, is very different to your current situation. A dream is a dream because achieving it seems impossible. So we say “If I win the lotto I will …”, because we don’t see any other way to achieve the dream.