Answered by Sian Hinton-Woodier FPFS, Amber River Premier Q: I feel like I should be doing more with my money—where do I start? A: This is very common, and the key is not to try to do everything at once. Start with the basics: understand your income and outgoings, build some accessible savings, and then look at longer-term goals like pensions or investing. Small, consistent steps are far more effective than trying to make big changes all at once. Q: How much should I have in