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When it comes to making decisions, we like to think that our rational, logical mind is in control of what we do.  Unfortunately, for most of us, our rational mind is rather like a man sitting on top of an elephant. The elephant is emotion. The little man, the logical chunk of our brain, can tug and pull on the ears of the elephant of emotion, but that elephant is vastly stronger than the little...

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What do you talk about when you’re with your closest friends? Do you discuss modern philosophy? Grumble about annoying colleagues? The shocking ineptitude of same-day deliveries? Or where you should go for your next group holiday?  We cover a wide spectrum of talking points with our chums, but I can guarantee, you don’t talk in-depth about money – at least not in personal specifics.  Right now, the global economy is on its knees and the...