Life stages

Starting out

Consumption versus commitments

This stage brings your first job and a coming to terms with your spending v's commitment to debt and savings.

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Growing demands

Growing debt and demands

This stage sees career and partnerships become demanding, requiring commitment to growing debt and financial responsibility.

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Wealth accumulation

Light at the end of the tunnel

At this stage, you're feeling more settled and in a good position to further a wealth creation plan.

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Towards financial independence

Seriously saving for retirement

This stage sees you at a peak for career earnings, with health and lifestyle issues emerging and a serious focus on saving for your retirement.

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Changing priorities

Restoring the balance

Here, health considerations are paramount, savings and investments critical, and increased financial education vital.

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Retirement

Financial independence

Financial independence comes as you reach retirement. You are free to pursue hobbies, travel, monitor investments, income and estate planning as well as age pension entitlements.

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