This episode focuses on who should seek financial advice and guidance. When should you reach out for help? What *practical* assistance can you expect? And how can you avoid getting into financial difficulty in the first place.

We talk to to advice specialists in Leicester about the support they offer, some insights from their experience and their advice on steps people can take.

In this episode, Clockwise looks at the commonly held belief that young people aren't that great with money. Is this true, is it a stereotype or somewhere in between?

Are young people worse with money than adults were back in the day? Should we teach them everything we know or just leave them to it?

Or maybe... just as younger people have plenty to teach us about things like technology, should we be adapting our financial World to suit them?

Joining us to consider and discuss this subject is Mark Frisby from Access All Areas in Melton Mowbray, Leicestershire. Mark has many years experience supporting and mentoring teens and young adults and he brings his wealth of knowledge, and a few opinions to the discussion.

FULL DISCLOSURE: (Neither Mark or Joe are especially young anymore!)