For adults across the developed world, the peak years for financial stress are the 30s and especially the 40s. During this period many adults are contending with competitive jobs while also attempting to meet mortgage bills, bring up a young family, and eat. However, there is also financial stress around the time of retirement and old age.

It varies from country to country with it peaking in countries like the United States where there are high healthcare costs. Regardless of the locale, retirees are often dealing with declining incomes, the state pension often not being enough to live on, while many costs stay consistent.

There is a struggle to know what to do and how to fund it. This can