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As someone who talks with a lot of recently retired baby boomers, I have an important message for you.
“Don’t spend all your money on caravans and cruises” Save some for your age care because on present indications, you can’t rely on the federal government to be taking care of you. A dollar for every time I’ve been asked this question over the last few months.
Why is there a trade war and how will impact us? On 7 August 2018 the Australian population has edged past the 25 million mark. What could this mean for the future financial wellbeing of everyday Australians? Hear from Certified Financial Planner® Professional Tony Sandercock of wetalkmoney about the potential impact on finances and retirement outcomes of a bigger population. (This article originally appeared in Money and Life)
 Kids do it all day long. “Mum, can I have this, go there, do this, do that, please, please, please?” They can be relentless. And it works for them!
It sounds simple, but the act of asking is actually very difficult for many of us.  There’s so much today about the financial side of retirement. Save more, invest more, have more, but for what? For you the answer may be financial independence, or maybe just the ability to stop working at a job you don’t like. There are legions of experts out there to help you figure out your asset allocation, how much you need to save, how much you can safely withdraw etc etc etc.
 If we acted logically, would we ever eat food that’s not good for us? No. Would we ever skip our exercise? No. Would we drink and drive? No. None of these are logical, but it still doesn't stop us.
Emotion gets involved.  In a previous blog, I talked about 5 things that we can learn from happy retirees. One of these 5 was to honour something known as the ‘rich ratio’. I’ve had a couple of requests to dive a bit deeper with this so here goes:
 Do you want to know a secret? Building long-term wealth through investment doesn’t have to be complicated. And it doesn’t depend on making forecasts. The simple fact is that market returns are there for the taking, so long as you stay disciplined and build a diversified strategy around risks that carry a reliable reward.
 The media would have you believe that a successful investment experience comes from picking stocks, timing your entry and exit points, making accurate predictions and outguessing the market.
Is there a better way?  I like camping. I hire all sorts of gear. One year I was encouraged to hire a dog as a companion and protector. The dog’s name was “Worker” and he cost me $5 a day. “Worker” was a great investment – loyal, dedicated and great company.
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FPA Certified Financial Planner® Professional Of The Year 2016
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TTLB Investments Pty Ltd ABN 22 600 525 764 trading as wetalkmoney is a Corporate Authorised Representative No. 467267 of
Boston Reed Pty Ltd ABN 89 091 004 885 AFSL No. 225738