This is a time of enjoying new found freedom before the responsibility of family and property. Getting on the property ladder is one of the key goals identified in this life stage.

Watch the video below to learn more about this life stage.


It’s great being young, determined, social and career-focused. If this is you, it’s likely you’re also looking to keep things on track.

And you can do it too, by getting a head start on your financial future to help achieve all the things you’re dreaming about.

When you’ve got fewer financial commitments, you’re in a great position to build a more secure future.  Financial advice is within everyone’s reach and is a big stepping stone to achieving your goals. The earlier you start, the better off you’ll be.

Go beyond the day-to-day mindset…Take advantage of financial advice now and you’ll be that much closer to having the freedom to travel, buy a car or even saving for your first home.

A financial adviser will teach you about the benefits of budgeting and saving, investing cleverly and making extra contributions to your super. It’s about giving you control, and helping you make smart financial choices to ensure that your financial future is more than just a little brighter.

And then there are things you might not have thought about –reducing tax, unnecessary admin and fees, and even ensuring you can pay your bills if you can’t work. Lots to consider as life changes over time…

Being young doesn’t mean financial advice isn’t for you – in fact it’s the perfect time to kick things off. Don’t miss out on the opportunities that could come your way by taking control of your financial future now.

Contact us today to discuss how we can help you start shaping your financial future.


    Where does your money go each month?

    Starting out may involve a new job or progressing your career. It's an exciting time. A regular salary means the freedom to travel, buy a car or even start saving for your first home.

    What you need to know

    It can be easy to let money slip through your fingers. Setting up a budget and starting a regular savings plan will help you:

    • Make the most of your money and enjoy the benefits of your hard work
    • Get into the savings habit so you can build wealth faster
    • Increase the amount of money you have by earning interest
    • Get peace of mind that you are being smart about your money.

    Getting started

    • Find a budget app to help you make and stick to your budget
    • Set up a regular savings plan so that money automatically comes out of your transactional account into a high interest savings account each month
    • Watch your savings grow.

    Count on us

    A Count adviser can help you:

    • Set up a regular investment plan
    • Provide guidance on setting up a budget.



    Did you know you could get paid even if you can’t work?

    By now you’ve probably had some experience with insurance for your car or home. But have you thought about protecting your most important asset - yourself?

    What you need to know

    If illness or injury stopped you from working for an extended period, could you keep paying your bills? Taking out personal insurance can:

    • Give you peace of mind that if the unexpected occurs, you will be able to manage your expenses
    • Pay you up to 75% of your pre-tax salary for a specified period if you take out income protection insurance
    • Help you focus on recovering physically and emotionally if the worst did happen.

    Some advice

    You may be able to save money on your insurance premiums by taking out insurance through your super fund. It's also easy to manage because premiums are automatically deducted from your super account balance.

    Count on us

    A Count adviser can help you:

    • Find the right insurance for your stage of life
    • Help you work out the level of cover you need and the amount of premiums you can afford
    • Advise you on taking out insurance through your super.



    What is good and bad debt?

    It can be tempting to use debt to get what you want now and pay for it later. But too much debt can impact your ability to save and even make it difficult to meet your everyday expenses, particularly if you are borrowing using credit cards with high interest rates.

    What you need to know

    Avoiding unnecessary debt early in life will be a huge benefit later on. But, it is also important to understand that not all debt is bad. Purchasing assets that are likely to go up in value (such as your first home) or generating additional income using loans can often be a sound financial decision.

    Ideally, try to avoid going into debt to pay for depreciating items, such as cars and luxury goods. You’ll probably end up paying a lot more than you intended, so before you buy you should consider the total cost of the purchase, including interest repayments.

    Getting started

    • Do your best to pay the balance of any credit card debt in full every month to avoid your credit card bill spiralling out of control
    • Shop around - find the cheapest card that suits your needs and cancel multiple cards
    • Start a budget so you know exactly how much you can afford to spend.

    Count on us

    A Count adviser can help you:

    • Review your finances and help you reach your goals
    • Minimise your bad debt
    • Set up a budget and regular savings plan.



    Did you know you might be doubling up on your super fees?

    Once you start working your employer will make contributions to your super through the superannuation guarantee. They are generally required to contribute 9.5% of your salary in to a super fund for you. This money is yours - you earned it - so it makes sense to keep track of your super.

    What you need to know

    As we change jobs it’s easy to end up with more than one super account. This means you may be paying more fees than you need to. By consolidating your super into one fund you can:

    • Save money on fees
    • Cut down your paperwork
    • Make it easier to keep track of your super.

    You can also choose in most cases which super fund your superannuation guarantee is paid to (rather than your employer choosing for you).

    Getting started

    • Keep track of your super by using myGov to see details of all your super accounts
    • Shop around – find a super fund that has the features you want
    • Remember to consider any insurance held within your existing super that may be lost if you decide to consolidate your super.

    Count on us

    A Count adviser can help you:

    • Choose an appropriate super fund
    • Boost your super using smart super strategies
    • Consolidate your super.



    How much money do you need to start investing?

    It can feel like a big step to start investing your money. And younger investors are often put off by the thought of having to invest a large lump sum.

    What you need to know

    One of the easiest ways to build your investment portfolio is to simply keep adding to it on a regular basis. With a regular investment plan you can start small and build your investment over time. And by putting money into an investment portfolio rather than a savings account you could earn a higher return.

    Count on us

    A Count adviser can help you:

    • Set up a regular investment plan
    • Provide guidance on where to invest your money.


Important information: This web page may contain general advice. It does not take account of your objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision. This web page has been prepared by Count Financial Limited ABN 19 001 974 625, AFSL 227232, (Count) a wholly-owned, non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124. Count Wealth Accountants® is the business name of Count. Count advisers are authorised representatives of Count. Information in this web page is based on current regulatory requirements and laws as at 7 September 2017, which may be subject to change. While care has been taken in the preparation of this web page, no liability is accepted by Count, its related entities, agents and employees for any loss arising from reliance on the information contained in the web page.

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