If something happened to you tonight, would the person you love most know where to start? The Emergency Playbook: The document every family needs but almost nobody has.

Why the best financial plans look further than you think A long time ago, when I was living in London, a friend introduced me to an idea that has never left me. It comes from Japanese warfare — from the swordsman and philosopher Miyamoto Musashi, whose legendary prowess allowed him to come through countless duels unscathed. His secret wasn't strength or speed. It was what he called Enzan no Metsuke — the gazing at the distant mountain. The principle is this: in close-quarters

Everyone asks this question. Almost everyone gets the same answer. The problem is that the same answer, given to the wrong person, can quietly cost them years. Super or mortgage? The formula people reach for is not wrong. It is just incomplete. Your age, tax rate, job security and offset account can each flip the answer entirely. Find out which game you are actually in.