When it comes to ensuring his financial independence, Galway man Kevin Nugent has always been savvy and made his dough rise by making all the right moves for a secure post-work life.

He believes that starting small, while he was young, was the key to his retirement planning success, because it enabled him to get into the habit without taking too great a toll on him financially. “Because it’s monthly, it’s not that big a hit. And it doesn’t matter how small you start off, just keep building it. Once you get into the habit it’s just like any other monthly outgoing,” he adds.