4i Newsletter Masthead 379

Indivisible Plan.

fouri 379 IndivisiblePlan

As the chart highlights, it’s a myth that each generation does better than the one before – indeed, for the first time since WW2, over half of all people in the US aged 35 are earning less than their parents were at the same age.

According to www.money.co.uk the average age of a first time buyer in the UK has risen 21% since 2007 and is now 34 years old.

UK life expectancy data, (published by ONS prior to the pandemic www.ons.gov.uk) includes these three main points:

  1. Life expectancy at birth in the UK in 2017 to 2019 was 79.4 years for males and 83.1 years for females; slight improvements were observed from 2016 to 2018 of 6.3 weeks and 7.3 weeks for males and females respectively.
  2. The relatively low increases in life expectancy at birth in 2017 to 2019 suggest a continuation of a trend observed since 2011, where annual life expectancy improvements have slowed down in comparison with the previous decade.
  3. In comparison with selected Organisation for Economic Co-operation and Development (OECD) countries for which data are available, England, Wales and Scotland have among the lowest annual improvements in life expectancy at birth for both males and females.

We can debate at length the causes but I prefer not to engage with politics and instead prefer to find answers in principles and natural laws. I also believe in the power of individuals and, in particular, small organisations to make a difference rather than waiting for governments or other large institutions to effect change. I’ve seen something that every company can do which will improve the lives of the individuals who work for them and for society too – and it’s very simple and costs nothing.

Combine your business and life plans.

Most organisations have a business plan, some more elaborate than others, ranging from a single monetary goal to a complete culture deck and five year ‘Everest’ mission. But few business leaders and even less employees, articulate their personal vision in the same way. The vast majority of people have an ambition to be happy and successful but haven’t defined what these abstractions mean to them. Drawing on many experiences, I offer all my team and all our members a simple goals template to use that melds work into life, (or, dare I say it, for some melds life into work).

Here’s a shortened version of mine:


  • Gym 3x per week
  • 50 press ups a day
  • 30 minute 5k
  • 80:20 meals
  • ‘Good boy’ belt notch
  • 88-90kg weight


  • 50 books: 1/3 business, literature, different
  • Monthly gallery
  • Weekly TED talk
  • Monthly chapter (writing)


  • 2 lunches/dinners with friends per month
  • 2 ski trips
  • 1 golf trip
  • 1 party
  • 2 x Lords
  • 4 x football


  • Here I list goals for each of my key relationships: partner, father, son, brother, uncle, friend etc. and also for myself


  • 6 x Agents Giving board meetings
  • Donate £x to charities
  • Raise £x for charities
  • Weekly gift (do something each week without seeking a return)


  • Income goal
  • Net wealth goal
  • Investment goals
  • Business improvement goals
  • Performance targets

I believe that as each company, each leader and each individual becomes more focussed in all dimensions of their lives, they will improve their health, wealth, environment and happiness. I urge you to create your own plan and then help each of your team members to craft their own.

Of course not everyone wants a plan – some prefer to take each day as it comes. The trouble with that approach is that whilst it might work for a few, all the data suggests it’s not working for most.

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