“All things are difficult before they are easy.” – Thomas Fuller The path towards success is like climbing a never-ending flight of stairs. Each step is another obstacle to overcome. Each step is another mistake to learn from. With each step, another closed door opened. It requires a warrior mindset. When you have a warrior…
I’m not a huge fan of sticking to a routine just for the sake of it. But I’ve learned over the years how important daily habits are for long-term success and wealth creation. These habits and routines are like ballast. They hold you steady when stress threatens to de-rail you, and they give you the…
Most of the people I meet who are still waiting to become financially free aren’t lazy and they aren’t unlucky. They work hard, they earn a reasonable income, and they genuinely want to get ahead. Yet somehow the wealth never quite arrives, and after five decades of watching investors succeed and fail, I can tell…
Most Australians imagine scams arriving as suspicious emails from strangers or obvious phishing attempts riddled with spelling mistakes. The reality is much more sophisticated. Today’s scammers are increasingly inserting themselves into the moments when we’re making important decisions, whether that’s buying a property, applying for a job, lodging a tax return or making a major…
Borrowers are set for another dose of rate pain this Tuesday, with the overwhelming majority of experts tipping the RBA to lift the cash rate again, according to Finder. In this month’s Finder RBA Cash Rate Survey™, 41 experts and economists weighed in on future cash rate moves and other issues relating to the state…
From 1 October, Australians will notice a welcome change when they tap their card at the checkout. Merchants will no longer be able to add a surcharge to debit or credit card payments, potentially saving consumers around $1.6 billion a year, according to the Reserve Bank of Australia. Considering Australians made $475 billion in credit…
Australians have never been wealthier, healthier or more comfortable. We live longer, travel farther and have instant access to information, entertainment and conveniences that previous generations could scarcely have imagined. Our homes are larger, our cars are safer, our food choices are broader and technology allows us to communicate with almost anyone in the world…
Most of us like to believe we make rational decisions about money, property and our future, yet our choices are often guided by something much more powerful than logic: the desire to feel safe. We gravitate towards familiar options, follow what others are doing, and avoid decisions that make us uncomfortable. Unfortunately, what feels safe…
Australia is entering the largest intergenerational wealth transfer in its history, yet many families are preparing for it with little more than a signed will and a vague promise that everything will work itself out. And that is a risky assumption because wealth rarely moves neatly from one generation to the next, particularly when the…
You may have spent decades building your superannuation, carefully chosen who should inherit your assets and even prepared a legally valid will. Yet when you die, your super could still be distributed differently from the way you intended. That is the uncomfortable message from new research suggesting approximately 15.7 million Australians do not have a…
