18 to 35: Understand Your Options and Get a Head Start

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Between the ages of 18 and 35 could arguably be the best time to get started with financial planning. This is because the earlier you begin, the more time you have to build your wealth.

As your career develops, your lifestyle direction becomes clearer, perhaps you begin to earn more or your family starts to grow, getting your finances planned out early can set you off on the right foot for a successful financial future.

Be smart with your finances and learn to use your money wisely.

At Ethica, we also believe that learning as much as possible about your financial situation and the options available to you will set you up with greater insights and should prevent you from falling into some familiar traps that can cause you to remain stuck in bad debt.


Browse our key tips for people aged between 18 and 35 years in the areas of Credit Cards, Budgeting, Insurance, Lending, Wealth Creation and Superannuation.

How Ethica Can Help YouBetter Financial Planning is in Our DNA

Credit Card Danger

They open the door to opportunities but, if they aren’t effectively managed, the fees can get out of control and leave you stressed and on the back-foot with your financial plan.

Budget and Saving Plans

Identify where you’re over spending or where you can access extra funds to reach your financial goals like travelling or buying a car.

Insurance: do you need it?

As you accumulate possessions and assets, and your financial obligations and living costs increase, you become very reliant on your ability to work… but what happens if you can’t work?

Lending: What to do when you need to borrow

Between the ages of 18 and 35 is, for many Australians, the time when they need to borrow money for significant projects i.e. building or buying their first home, leasing a vehicle, or financing a start-up business.

Wealth Creation: It starts now

As any person with wealth will tell you, the earlier you start the better. You have the advantage of youth, meaning you can get compound interest working to increase your wealth while you get on with your life.

Superannuation: It’s not just for old people…

Retirement may seem a long way off, but there are few better investments than putting money into your super.

It’s a great way of building your wealth while keeping your tax to a minimum.

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