In our How I Manage My Money series we aim to find out how people in the UK are spending, saving and investing money to meet their costs and achieve their goals.

This week we speak to Graham Wells, 52, who lives in East Lothian, Scotland, with his wife, Gillian, 49, and their two sons, Adam, 18, and Fraser, 15. Graham, a financial coach and chartered financial planner, used to be an impulse buyer relying on credit cards before radically changing his approach to money. He has £90,000 in a self-invested personal pension (SIPP) and a healthy defined benefit pension. Graham thinks the state pension triple lock will need to be changed to a double lock.

My monthly income: I take £1,045 from my financial coaching business, GroWiser, each month. I also take £5,000 in dividends from my busines

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