I have spent 18 years in financial services. I have appeared on ITV and Channel 4. I wrote a book on personal finance.

But none of that is why people trust me with their money. I grew up without a financial safety net. Nobody sat me down and explained how any of this worked. I had to figure it out myself, usually after making the mistake first.

By the time I was earning well I still felt lost. I was paying too much tax, not saving in any meaningful way, and quietly hoping it would sort itself out. It did not sort itself out.

That experience is why I talk about money the way I do. Not from a position of having had it all figured out. From a position of having had to figure it out.