The Six Stages of
Your Financial Journey

1. Innocence

Laying the groundwork with simple habits and concepts that build financial confidence early on.

2. Independence

Navigating early earnings, spending, and saving — and learning how to avoid common pitfalls.

3. Institution

Settling into career, home ownership, or family life — with strategies for long-term planning and disciplined growth.

4. Irritation

Managing complexity, competing priorities, and the stress that can come with juggling responsibilities.

5. Insight

Gaining clarity on what matters most, refining your goals, and preparing for the future.

6. Integration

Drawing on a lifetime of choices to live with purpose, stability, and peace of mind.

You don’t need to follow every step — you can jump in wherever it suits you. But if you’re looking for a clear, relevant way to build financial literacy for life, this is your journey.

If your situation is more complex and you're seeking personalised support, our AFSL-licensed partners at PlanningIQ offer a one-hour discovery meeting with a real financial adviser. You can discuss your situation with the Adviser to gain an insight on the options available to you and will receive a written summary of the strategies discussed. You can then decide whether you’d like to proceed with further advice.

Click here to book a discovery meeting