Wish You Knew This Sooner? You’re Not Alone.

Wish You Knew This Sooner? You’re Not Alone.

Ever looked at your finances and thought, "I wish I knew this sooner"?

You're not alone. I’ve had multiple conversations this week where clients said exactly that. They realised they’d been following money habits they picked up from their parents, without questioning if there was a better way.

One client told me:

"My parents always said debt was just part of life. So I never really questioned my mortgage, my spending, or my financial future—I just assumed I'd always have a loan to pay off."

Then, they learned a different way.

By making a few smart changes—like structuring their finances differently and using their income more effectively—they realised they could pay down their mortgage faster, invest smarter, and build a life where money wasn’t a stress.

Remember:

1.     Just because you were taught one way, doesn’t mean it’s the only way.

2.     You can be the one to change the cycle—for yourself, your kids, even your grandkids.

3.     It’s never too late to start. The best time to change was yesterday. The next best time? Right now.

If You Have Kids or Grandkids…

The best gift you can give them isn’t money—it’s financial education.

If you know the path you took wasn’t the best, help them learn a different way early.

Teach them:

1.     How to save and invest

2.     How to avoid bad debt

3.     How to build wealth and take control of their financial future

If you’ve ever thought, "I wish I knew this sooner,"—let’s change that.

Message us with “change” and let’s look at how to reset your financial path.

You don’t have to keep doing what you’ve always done. You get to write a new money story—starting today.

This blog contains information that is general in nature. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.