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As the old saying goes, “Life is what you make it”. And that is certainly true when it comes to money.

I want you to take 5 minutes right now to think about what you want the rest of your life to look like…

 What would you like to achieve in the next 12 months?

 What would you like to achieve in the next 5 years?

 What are your longer-term goals?

 Hopefully, you were able to quickly think of at least two or three things for each timeframe.

 Chances are that either directly or indirectly, money will play a role in how easily you can achieve the things you want to achieve. That is why now is the perfect time to write down the dreams you just pictured in your mind and start taking action to make them a reality.

 Right now is the perfect time to choose your own adventure. There are two paths you can follow…

 The first path is where you don’t take action now and wake up in the years to come wondering why there is not enough to show for all your years of hard work.

 The other path is where you decide that your dreams are important and you want to achieve them. There are so many things you can be doing right now that can make an enormous difference to the options you will have available to you later in life. The reality is that money doesn’t buy stuff, it buys choices. So, when you think about all the things you want to achieve in life, the ability to do those things is going to be much easier if you have created wealth so you have the ability to pay for them.

 There’s a lot to lose, a lot to miss out on, and a big price to pay for failing to take this stuff seriously while you still have the time to get results!

 The reality is that most people are going through their working lives making decisions that are leading them down a path they don’t want to go… they just don’t realise until it’s too late.

 If you’re not sure where your financial decisions are leading you, then reach out and get help. It could be the one decision that leads you to changing direction and heading confidently down the path you want to go.

 As John Newbern said, “People can be divided in to three groups: those who make things happen, those who watch things happen, and those who wonder what happened.”

Which group will you be part of going forward?



 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

David Shaw, Head of Keyboard Studies at the Orange Regional Conservatorium

David Shaw, Head of Keyboard Studies at the Orange Regional Conservatorium

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