In your 30s or 40s, how you think about money quietly shifts. You’re no longer just earning to spend. You’re thinking about what’s next. Retirement may not feel close, but it starts showing up in subtle ways: a passing thought during tax season, a conversation with a friend who just bought a policy or a realisation that you’ve been putting off decisions that could shape your future comfort.
Somewhere between financial responsibilities and long-term goals, certain options start looking more appealing. One such option offers both a safety net and savings, but comes with its own set of trade-offs. In this piece, we look at what this really means when you’re in the middle of your working life.
