- By Bridee Parker
When you’re young, it’s easy to feel like financial advice is something for “future you” — something to think about once you have a bigger salary, a mortgage, or investments.
But the truth is this:
The earlier you understand your money, the more control you have over your future.
Whether you’re in your twenties or early thirties, financial advice isn’t about being wealthy — it’s about learning how to build wealth, avoid common mistakes, and set yourself up with confidence.
Here’s why starting early makes such a powerful difference.
- You avoid small mistakes that become big ones later
Life moves quickly in your younger years — new jobs, travel plans, first homes, relationships, or big financial commitments. Without guidance, it’s easy to:
- take on the wrong type of debt
- overspend without realising it
- choose insurance that doesn’t actually protect you
- miss tax‑effective opportunities
- overlook superannuation entirely
Good advice helps you make smart decisions early so you aren’t fixing avoidable problems later.
- Your habits compound over time
The habits you build now — even simple ones — can significantly change your financial trajectory.
A few examples:
- Setting up a savings structure gives you clarity and consistency
- Learning to invest early means more time for your money to grow
- Understanding your super now can mean tens (or hundreds) of thousands more in retirement
- Choosing the right insurance early protects you when life changes unexpectedly
Small, consistent steps today can create enormous advantages tomorrow.
- Advice gives you confidence, not confusion
Money can feel overwhelming — and sometimes even embarrassing to talk about. Many young people feel like they “should know more” or “should have it together by now.”
But you don’t need to have everything sorted to seek advice.
We’re here to help you:
- understand your options
- make decisions with clarity
- map out what’s possible
- feel empowered, not judged
You bring your questions and your goals — we help you turn them into a plan.
- You don’t need to be wealthy to work with an adviser
Younger clients often worry that financial advice is expensive or “not for people like me.”
That’s why we offer options that are:
- simple
- affordable
- scoped to what you need right now
- flexible, including digital and in‑person support
Whether you need one‑off guidance or a structured plan, advice can be tailored to suit your stage of life and priorities.
- Starting early means more choices later
Financial advice is ultimately about giving you freedom:
- freedom to travel
- freedom to buy your first home
- freedom to change careers
- freedom to start a family
- freedom to retire comfortably
- freedom to make decisions on your terms
Starting early doesn’t just improve your financial numbers — it expands your future options.
- Your journey grows, and we grow with you
The decisions you make today set up the next chapters of your life.
When you build a relationship with an adviser early, you gain a trusted partner who understands your goals and supports you through every milestone — big or small.
As your income grows, your opportunities grow. As your life changes, your plan changes with you.
We’re here for the long journey, not just a moment.
Final Thought
Financial advice isn’t about being wealthy — it’s about becoming confident, informed, and in control.
If you’re a younger client and you’ve been thinking “I probably should figure this out”… that’s exactly the right time to start.
And we’re here to make that first step easy, welcoming, and genuinely valuable.
This blog contains information that is general in nature. It does not take into account the objectives, financial situation or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. If you decide to purchase or vary a financial product, your financial adviser, AMP and other companies within the AMP Group may receive fees and other benefits. The fees will be a dollar amount and/or a percentage of either the premium you pay or the value of your investment. Please contact us if you want more information.
PB Financial Solutions Pty Ltd ABN 67 097 381 523 – trading as Burke Britton Financial Partners & Securelife
Financial Solutions is an authorised representative and credit representative of Akumin Financial Planning Pty
Limited ABN 89 051 208 327, Australian Financial Services Licence and Australian Credit Licence No. 232706
