The following article has confirmed an observation I have made that the costs of postgraduate degrees and the devaluation of bachelor degrees will become a significant obstacle to social mobility. http://www.bbc.co.uk/news/education-21357311 It is a sad fact that we are going to have to pay higher taxes and receive fewer subsidies from the Government which will mean we will have to save more for a families. Using the services of independent financial advisors to design a savings plan which focuses on anticipated future cash needs is a wise move. The earlier you start the less painful the costs of saving will be. rnrnThis information is intended to provide a general review of certain topics and its purpose is to inform but not to recommend or support any specific investment or course of action. The tips may not apply, or be suitable, to everyone and you should contact us for advice if you are unsure whether this is the case.rn