OCLife_Logo RED.png




Keep reading to the end for a great tip that might just save your financial future!

Have you ever avoided doing something for fear of being embarrassed by the choices you’ve made in the past?

It’s human nature to be a little self-conscious.

Sometimes people will put off joining a gym because they want to lose a few kilos before they make their first appearance. Chances are they’d lose those first few kilos more easily with the gym’s help.

Other times people will delay going to the dentist for fear of a hole being found. If there is a hole, getting it addressed sooner rather than later would be better (and probably cheaper!).

There would be countless other examples and I know I’ve been guilty of things like this at numerous times in my life.

It’s often the same when it comes to getting financial advice.

We’ve all made mistakes with money! I hit the big 4-0 last year and I’m not exactly where I’d like to be. Knowing what I know now, I wish I’d saved a bit harder, invested a bit more and bought a few less stupid things along the way.

I’ve seen so many people over the years who’ve delayed getting help for fear they didn’t have enough money, for fear they weren’t saving enough, for fear they’d be judged for some money mistakes they’d made earlier in life.

And when they finally get around to getting advice, they almost always say the same thing, “I wish I’d come to see you sooner!”.

Sometimes asking for help or advice can be seen as a sign of weakness. It’s actually a sign of strength to be self-aware enough to realise you could use some help.

Many of the not-so-great decisions we make in life don’t have much of an impact because they can be rectified later. When it comes to money, it’s not quite so simple because of one thing we can’t turn back… TIME.

If you’re in a dud super fund, if you’re taking too many years to pay off the mortgage, if you’re making poor investment decisions, if you’re not saving… all of these things mean you are costing your future self an ever-increasing amount. And we’re talking hundreds of thousands, maybe millions of dollars.

That money is not just money. It’s money that you won’t have in the future and it will cost you and your loved ones choices, it will cost you lifestyle.

However, as you’re reading this, you’re more than likely finding it hard to connect with your future self. Your present self wants to live for today and worry about tomorrow later, but your future self is desperate for you to have one eye on tomorrow.

Research has shown that seeing your future self can really help you make smarter decisions now. And technology has made it possible to see your older self. Download an app called Oldify and you can create a selfie of yourself many years from now… it’s a little confronting, but in one study, doing this led to people saving nearly twice as much towards their retirement!

It’s okay to have made some bad decisions in the past, but let’s get things sorted out ASAP and get you living your best financial life for the future.

Get the advice you need to financially succeed! A good financial plan is your road map to show you how the choices you make today will affect your future.



If you’d like to find out more about how INDEPENDENT financial advice could help you manage cash flow, pay off the mortgage faster, get the most out of super and invest wisely, then get in touch on 0411 484 464 or head to wealthtrain.com.au.

Daniel McGregor is the man behind Wealth Train and is a member of the Independent Financial Advisers Association of Australia. This advice may not be suitable to you because it contains general advice which does not take into consideration any of your personal circumstances. All strategies and information provided are general advice only.

Daniel McGregor and Wealth Train are authorised representatives of Independent Financial Advisers Australia AFSL 464629

Spend your weekend with Banjo!

Spend your weekend with Banjo!

The Zombie Apocalypse

The Zombie Apocalypse