18-35 years

Understand Your Options and Get a Head Start.

What does your financial blueprint look like between 18-35?

Here’s a snapshot of what you need to know.

Having an informed picture of finances at an earlier age will set you up for a more prosperous and  constructive, financial future.


Now is generally the time when you are establishing and growing a career, starting a family and looking at buying your first home. This is an ideal opportunity to lay the foundations to keep you in good financial  stead for the years to come.

There are a few key tips for people within this age group to seriously consider.

Credit cards can become a heavy burden on your financial situation however, if kept in check they can be an effective tool. Don’t get into the habit of tap and go. Be aware of what you are spending as you want to avoid scenarios like growing minimum payments and high interest rates.


You also want to avoid having your credit rating affected if you’re unable to make your repayments on time, which can make it difficult when it’s time to apply for a loan.

Starting a budget is fundamental when it comes to finances. Learning this skill is invaluable. Setting a budget (and sticking to it) will not only help to effectively meet your financial commitments but, it can also identify unnecessary spending that you can curb and use to reach your financial goals sooner.

What’s more, being able to put money aside for your goals and investments can open up many opportunities, rather than relying on credit to get you where you want to go.


Need help starting a budget? Here’s how;


  1. List your fixed costs, which include general expenses like rent, groceries, petrol, insurance.
  2. List your non-fixed costs like meals out and new clothes.
  3. List out of the blue costs like dentist, car repairs and holidays.

During this life stage, you begin to acquire expensive assets like cars, houses, computers etc. and you become more reliant on your ability to work and earn a consistent income to meet your financial commitments.


This is an ideal time to put in place the right insurances to suit your circumstances. And the earlier you start the better. You’ll be able to secure lower premiums earlier in life as opposed to having more inclusions that you’re covered for when you’re older which means higher premiums.


The type of insurances to consider are;

  • Income
  • Life
  • Total permanent and Disability
  • Trauma

Borrowing money isn’t as straightforward as it seems and it’s often very difficult deciphering the fine print without professional help. There’s also many different options to consider depending on what you’re wanting to buy.


Ethica Private Wealth Specialists is affiliated with Centrepoint Lending Solutions, which gives us access to finance options from over 50 different lending partners. We’re also able to take care of the paperwork for you.


If you’re considering a home, investment, business or wealth creation loan, we can help.

Beginning earlier in life with clear financial investment strategies is the best way to create and achieve the life you’ve always wanted. And with time on your side, you should see an increase in your return with every year.


The team at Ethica Private Wealth Specialists can create a customised investment strategy to get your money working for you, helping to build a portfolio that provides positive financial returns.

While it may not be top of mind during this stage of your life, it is something that should be a priority. Believe it or not, super is an easy way to build wealth in a very tax effective way.


The key is to make sure you choose the right superannuation fund, with a good return and minimum investment. You also want to use your super payments wisely to minimise tax payments.


Once everything is set up correctly your super can simply tick over year after year, earning you the financial security for retirement.

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