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Cash flow analysis for pension planning
Comments
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I have no idea what a cashflow analysis is meant to cover but if it is looking at reliable cash streams then money set aside for gambling would not be a candidate for inclusion in that. It could disappear over the course of a Saturday afternoon.
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But if you are short of cash and you are spending on clothes or drinking or gambling then it needs to be visible so it can be reallocated.
It is all income it must cover all outgoings, essential then optional.
If it is a gambling pot that is being hidden then that might indicate a more difficult issue to manage!
If you are not wholly honest and open then you will not get an accurate answer.
Your life is too short to be unhappy 5 days a week in exchange for 2 days of freedom!
One can always make more money. No one who has ever lived can create more time.1
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