You are earning a decent wage and living life to the full. You rent a trendy flat and are just starting to think about buying your own place one day. In the meantime, investing in a buy-to-let property somewhere reasonable appeals to you. You have no dependents and enough disposable income to enjoy exotic holidays and citybreaks. You might consider the odd high risk investment and enjoy spread betting now and then. You appreciate the tax relief benefits of a pension but are not prepared to maximise your contributions at this stage of your life.

At this stage in your life, the following sections of yourmoney.com may be of most interest to you:

• Investments: if you have spare cash to play with, you might want to invest it for future growth. Our investment pages bring you the latest news and views, which could inform your decision making
• Mortgages: if you are thinking about becoming a buy-to-let landlord or adding to an existing property portfolio, our buy-to-let section is a must-read. It also features a filmed debate between buy-to-let experts which should give you an inside track
• Pensions: although you may not be interested in kissing goodbye to a lot of your money right now by salting it away in a pensions, it is still important that you understand the Pension basics