Your 20s are an exciting time to start shaping the life you want. The decisions you make now can set you up for a stronger, more secure future.

• You may be encountering debt for the first time—through a car loan, personal loan or credit cards. Learning to manage debt early will set a strong foundation for life.

• If you’re starting your career or paying off education debts, now is the time to understand your spending habits and build healthy financial routines.

• Superannuation might be new to you. Take the opportunity to ask questions, seek advice, and understand how super can support your future lifestyle.

• Whether you’re saving for a holiday or applying for your first car loan, learning to budget and manage your income is key to building financial security.

• If you’re a natural saver, consider your options: investing in your first home, purchasing an investment property, or exploring other opportunities to grow your money. Starting early gives you more control and confidence over your financial future.

Your 30s are a time to build momentum towards your life goals—or consolidate the hard work you’ve already put in.

• By now, you should have a basic understanding of superannuation. This is a great time to actively review and improve your super set-up.

• If you don’t own a home yet, consider whether it’s time to buy—either to live in or as an investment. Start planning for a deposit, researching locations, and understanding how property finance works.

• If you already own a home, you might be dreaming about becoming mortgage-free. Explore strategies to pay down your mortgage faster and build equity sooner.

• If you have surplus income after budgeting, it may be time to think about making your first investment to grow your wealth.

• Your 30s are also a great time to tick off personal goals—whether it’s saving for a big holiday, launching a business, committing to a long-term relationship, or raising children.

• If you have children (or are planning to), it’s important to think about protecting your family from unforeseen events through insurance and risk planning.

• If you own property, have assets, a partner, or children, it’s essential to have a valid Will and an estate plan in place. You might be surprised how many everyday life events trigger the need for proper planning.

Your 40s are a time to celebrate how far you’ve come—and start making confident moves toward the life you envision.

• If you have children, you’re likely balancing their schooling or university needs while helping them prepare for adulthood. You may also be considering saving for their education or securing enrolments.

• As your family situation evolves, it’s important to review your personal insurance to make sure your loved ones are properly protected against unexpected events.

• Superannuation remains a key focus. Now is a good time to review your strategy—considering additional contributions, reviewing investment options, and ensuring your super is on track to support your retirement goals.

• Retirement may still feel a way off, but it’s smart to start thinking now about the lifestyle you want—and the steps you’ll need to take to get there.

• Paying attention to your health is crucial. Building good habits now will help you maintain your lifestyle and well-being into later years.

• If you have a mortgage or significant debts, consider seeking financial advice to help you pay them down faster and transition smoothly into your pre- and post-retirement years.

• If you own a home, have assets, a partner or children, it’s essential to have your estate plan in place. A structured and up-to-date Will can save your loved ones stress and ensure your wishes are honoured.

Your 50s are a time to look ahead—re-evaluating your future goals, lifestyle options, and taking deliberate steps to plan for the years to come.

• As children become more independent, you may be thinking about downsizing the family home and unlocking equity for future investment opportunities.

• If you bought a home earlier in life, you’re hopefully close to paying it off. If not, now is a good time to focus on strategies to clear debt and move closer to financial freedom.

• As your financial situation shifts, your insurance needs may change too. With lower debts, you may not require as much cover—making it a good time to review your protection plans.

• Even if you’ve been managing your finances independently until now, seeking professional advice can make a significant difference. It’s a smart move to ensure your post-working lifestyle is secure and aligned with the future you want.

• This stage of life is about more than just money—it’s about designing a future that feels confident, free, and fully yours.

In your 60s and beyond, you may start seriously considering reducing work hours—or retiring altogether—and shifting your focus to living life on your own terms.

• Your children may now be fully independent, allowing you to concentrate more on planning your own lifestyle and financial future.

• Planning for a comfortable post-work lifestyle becomes key, including how to protect and grow your assets while understanding your eligibility for government assistance.

• Your health and well-being naturally become bigger factors in shaping your plans for the years ahead. Maintaining vitality is an important part of securing your future lifestyle.

• Downsizing your home to unlock equity may become a strong consideration, providing both financial flexibility and a simpler way of living.

• Diversifying into alternative investments may help secure a stable income stream to support a comfortable lifestyle in retirement.

• With more leisure time available, you might feel inspired to explore new interests, hobbies, travel, or greater community involvement—creating a meaningful next chapter.

• Reviewing and preparing long-term plans for the transfer of your assets and family wealth becomes important, ensuring your legacy is protected and your wishes are honoured.