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article-image-30s-40sConsolidating or Starting Again in your 30s to 40s

Life is starting to make sence.

Here are some of the more common situations that people such as in their 30s to 40s often find themselves or their friends and family is experiencing.

Life is great and you are enjoying the freedom of this time in life. Perhaps you are considering some more education, a bigger family and how to make a positive difference in the lives of those around you. You're paying down a mortgage, looking for an investment property or perhaps some private schooling for your kids. Perhaps you have not been so lucky.


  • You've been divorced, lost half your super in a family court settlement and need to find a place to live where you can have the kids on weekends.
  • You've been a stay-at-home mum, now you're separated and have less money than before and because stay at home mums are not paid superannuation, really you're far worse off than you think.
  • Your grown children are still at home and eat more food and use more electricity than their board covers...or they don't even pay board at all!
  • You've received a small inheritance and want to make it work for you now.
  • You have begun to be successful and now you want to provide for someone special and your grandchildren (just in case something unexpected happens to you now). You suspect that any Will or gifts you might leave would definitely be contested by estranged family or business creditors and you don't want to leave a problem for others who don't not see life the same way as you do. How do you arrange that?
  • You want to buy an investment property to help secure your financial future but can you afford it?

Life doesn't happen in neat little boxes but that does not mean that you should let them affect your life. Call us to see how we can help.


Interesting facts

The 4 key events Australians report as wanting to accomplish before they turn 30 (but the reality is that most delay these decisions until well after that age)

  • Moving out of home [68% say this should occur before age 30].The average age of moving out of home continues to increase with half of all those aged under 25 still live at home.
  • Getting married [56% say this should occur before age 30]. The average age at first marriage is now 28 for women (22 in 1982) and 30 for men (24 in 1982).
  • Having children [48% say this should occur before age 30]. We are increasingly delaying having children and the average parent age at birth of first child is now 31 (25 in 1982).
  • Committing to a mortgage [47% say this should occur before age 30]. The average age of a first home-buyer has increased from 27 in 1982 to the early 30s today.
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