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Those saved acorns grow into oak trees, with more acorns. "The point is that saving doesn't mean you can't enjoy things in life," says Mr Gardner. "But it's about budgeting. You get 10 and bank two. That two is what will help you in the future." Image copyright Ikemedia Image caption Robert Gardner believes most people can save tens of thousands of pounds So how does this acorn philosophy work in practice? Stop buying, for example, one cup of takeaway coffee every day, he recommends. Save that 2.50, and invest it in the government's new Lifetime Isa , which is due to launch in April 2017. If you invest it in shares, rather than cash, it could grow by as much as 5% a year. The government will also add 25% to each annual investment you make. Taking into account the effects of compound interest, if you keep up the savings every day between the ages of 18 and 40, you could end up with as much as 60,000, he claims. The only catch is that you would have to spend that money on a house or flat, or save it until you are 60.
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