The key to wealth creation is pretty simple; spend less than you earn. There are only two elements to it as well – what you earn and what you spend.

If we ask Australians what they earn, most can tell us with reasonable accuracy of the top of the head what they earn. However ask about what they spend and usually the answer is a fair distance from reality.

Having a clear understanding of your cashflow provides the key foundation to achieving many of life’s goals whether it be providing children’s education, taking a holiday or funding retirement.

For most clients, engaging us to manage their finances also means direction and structure with how to manage their cashflow.

This doesn’t mean keeping receipts and running endless spreadsheets (we promise), it means creating a deliberate structure to ensure that you know where your money goes and that those things that are most important to you remain achievable.