It's nothing new - our beliefs usually dictate how we react to life events; but what if you've forgotten what you believe and are living and deciding on autopilot?
But then to make matters worse comes retrospective investment property land tax (thankyou OSR), slow debtors, perhaps a sickness or accident forcing time off work, supporting frail aged parents with declining health or maybe a family law court financial settlement after a relationship change. Financial life is complicated.
I realised it was time to begin to explain where money comes from, after all, it's up to the adults in the lives of children to model helpful behaviours as our children begin their journey of understanding money.
"No, not that talk... the other big talk."
After 17 years working as a financial adviser, you get to see patterns in people's actions and, more importantly, their questions.
The number one question I get asked by parents of all ages is,
‘How can I help my kids get ahead in life?’
Nothing starts a heated conversation between mates at a BBQ quicker than a question about superannuation and whether you should be allowed to get access to it before you retire.
The government's stated purpose behind our national compulsory super savings plan is to provide people income in retirement to substitute (or supplement) the Age Pension. This is known as the sole purpose test.
While LGBTI people are as diverse as the rest of the population, their shared experience of discrimination creates many common financial issues.
You can read more about the original eGuide here.
Click here to view the full-sized infographic.
You're an inspiration.
Research shows LGBTI people have reduced access to health services and reduced access to relevant discrimination-free financial advice.
Our latest eGuide - 7 Financial Decisions Same-sex Newlyweds Need to Make - is a free gift to the LGBTI community.
Just add your name and email to the waiting list below and be the first to know when the workbook to this eGuide is available.