A couple of weeks ago, I was speaking with my 98-year-old grandfather who, until quite recently, was actually still living in his own home. What amazes me about my grandfather is although he is physically starting to slow down, mentally he is still “quick as a whip” and is never short of an opinion.

We chatted for a while and he told me about his sister [my great-aunt], who struggled financially most of her life because, as he put it, “she might have made two pounds, but she always spent three”. He said he struggles to even recognise the world he lives in now, as over the course of many generations we have slowly lost the concept of reality. So I asked him for some pointers and this is what he gave me:
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