I lost £320k overnight – in 2024, I need to take money seriously

I’ve had a lifelong problem with money. I’m useless with it. I earn it. I spend it. I panic about it. I lose it. I use it to buy friends and relationships. I buy stuff I don’t need. And I’ve lost virtually everything. Three years ago, an investment I had made to the tune of £320,000, which was my life savings – mainly from an inheritance – disappeared, after the fund I had put all my money into went bust. I was partly to blame: I didn’t read the small print. I just signed up and then put my head