Have you ever felt it is too late to start investing? Dave is 46, and he started investing at 44. He’s just managed to max out his ISA this year. How did he do it?

Email ruth@getmost.co.uk or comment with ‘Live On Less’ to get a chance to win a signed copy of Andrew Craig’s ‘Live On Less, Invest The Rest’, the first book Dave read. And thanks to author Andrew Craig who got in touch after the episode went out we have 5 more copies and if you comment or email 'Before you're 30' you could get a copy of How To Own the World Before You're 30, his latest book. (Competition will finish April 6th)

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