The golden gap year and where to start tightening your budget

After Chris Herrmann's wife died suddenly, he was left with the feeling that life is too short not to make the most of every moment. So he packed up and set off on a round-the-world trip. Retirement expert Bec Wilson shares how the "golden gap year" is giving people in their 50s, 60s and beyond a chance to see the world and take the trips they missed out on in their youth.Rates are rising again, the cost of grocery staples is going up and people are feeling it. Many households are starting to look more closely at their budgets to figure out where they can make meaningful savings. Financial adviser James Wrigley and the National Debt Helpline's Karyn Hicks explain where to start if you're trying to cut back.Circadian rhythms play a powerful role in how your manage your day. If you're a morning person, your energy might be waning by the early afternoon, while night owls feel more productive later in the day. But the workforce isn't set up to suit everyone's needs, so how do you get the best out of everyone?