Advisers: Are you even taking your own advice?

I'm an IFA. With any new client, one of the first things I would talk about would be income and expenditure in its broadest sense. By which I mean, where could the client cut superfluous costs? Such a simple thing; so much so that it seems almost redundant to mention it. And nowadays, one of the most prevalent drifts in this respect, at every income level (i.e., not just those comfortable types we IFAs deal with) is subscription proliferation. Especially if you're an IFA too, I invite you to try and put a number on your own personal subscriptions, right now, off the top of your head. ...