Key objectives during this life stage are focused on paying off the home loan.

Money comes in and goes out, being spent on the household and children. Pleasures are taken in small luxuries and travel.

Watch the video below to learn more about this life stage.



    Where does your money go each month?
    You might be thinking about making some big plans in the future such as buying a house or starting a family. So now is the time to get your savings on track.

    Some advice
    Putting off setting up a savings plan? You could miss out on thousands of dollars in interest due to the effects of compounding interest.

    What you need to know
    It can be easy to let money slip through your fingers. Setting up a budget and starting a regular savings plan will help you:

    • Make the most of your money and enjoy the benefits of your hard work
    • Get into the savings habit so you can build your wealth faster
    • Increase the amount of money you have by earning interest
    • Get peace of mind that you are being smart about your money.

    Getting started

    • Find a budget app or use our budget calculator to help you make and stick to your budget
    • Set up a regular savings plan so the money automatically comes out of your transactional account into a high interest savings account each month
    • Watch your savings grow!

    Count on us
    A Count adviser can help you:

    • Work out your goals for now and in the future
    • Show you how to reach your goals faster
    • Help choose the best savings plan for your needs.

    Did you know you might be doubling up on your super fees?
    By now it’s likely you’ve had more than one job throughout your career. Each time you start a new job your new employer will make contributions to your super through the superannuation guarantee.

    What you need to know
    As we change jobs it’s easy to end up with more than one super account. This means you may be paying more fees than you need to. By consolidating your super into one fund you can:

    • Save money on fees
    • Cut down your paperwork
    • Make it easier to keep track of your super.
    • You can also choose in most cases which super fund your superannuation guarantee is paid to (rather than your employer choosing for you).

    Getting started

    • Keep track of your super by using myGov to see details of all your super accounts
    • Shop around – find a super fund that has the features you want
    • Remember to consider any insurance held within your existing super that may be lost if you decide to consolidate your super.


    Count on us

    A Count adviser can help you:

    • Choose an appropriate super fund
    • Boost your super using smart super strategies
    • Consolidate your super.

    Are you prepared financially for your new arrival?
    When you’re having a baby it’s normal to focus on the practical aspects of preparing for the arrival of a newborn, such as deciding where to give birth, choosing names and buying the essentials. In fact, there are so many practical things to consider that people often overlook the financial considerations.

    What you need to know
    By taking the time to consider your finances ahead of time, you’ll be able to avoid financial pressures and really enjoy the special time with your new family member. Now is the time to consider:

    • Budgeting for the costs of having a child, such as the possibility of living off just one income
    • How you will afford to buy the things your baby will need such as a cot, car seat and clothes and nappies
    • Whether you will be eligible for financial assistance from the government through schemes such as paid parental leave, family tax benefit, child care benefit and child care rebate.

    Getting started
    Try to save enough before-hand to cover pregnancy costs and living expenses
    Before buying baby items, work out which are essentials and which are nice to haves.

    Count on us
    A Count adviser can help you:

    • Put together a budget and savings plan
    • Understand the benefits you are eligible for.

    Did you know you could get paid even if you can’t work?
    By now you’ve had some experience with insurance for your car or home. But have you thought about protecting your most important asset - yourself?

    What you need to know
    If illness or injury stopped you from working for an extended period, could you keep paying your bills? Taking out personal insurance can:

    • Give you peace of mind that if the unexpected occurs, you will be able to manage your expenses
    • Pay you up to up to 75% of your pre-tax salary for a specified period if you take out income protection insurance
    • Help you focus on recovering physically and emotionally if the worst did happen.

    Count on us
    A Count adviser can help you:

    • Find the right insurance for your stage of life
    • Help you work out the level of cover you need and the amount of premiums you can afford
    • Advise you on taking out insurance through your super.



    How much money do you need to start investing?
    Investing your money can help you make your savings work harder for you. Now may be a good time to consider starting an investment portfolio especially if you find your disposable income has increased. Importantly you don’t need a large lump sum to get started.

    Some advice
    When you invest a set amount at regular intervals, you benefit from ‘dollar cost averaging’ which can help smooth out your returns by insulating you against changes in the value of the assets you are investing in.

    What you need to know
    One of the easiest ways to build your investment portfolio is to simply keep adding to it on a regular basis. With a regular investment plan you can start small and build your investment over time by putting money into an investment portfolio rather than a savings account you could earn a higher return.

    Count on us
    A Count adviser can help you:

    • Set up a regular investment plan
    • Help guide you on where to invest your money.


Important information: This web page may contain general advice. It does not take account of your objectives, financial situation or needs. You should consider talking to a financial adviser before making a financial decision. This web page has been prepared by Count Financial Limited ABN 19 001 974 625, AFSL 227232, (Count). Count is 85% owned by CountPlus Limited ACN 126 990 832 (CountPlus) of Level 17, 1 Margaret Street, Sydney 2000 NSW and 15% owned by Count Member Firm Pty Ltd ACN 633 983 490 of Level 17, 1 Margaret Street, Sydney 2000 NSW. CountPlus is listed on the Australian Stock Exchange. Count Member Firm Pty Ltd is owned by Count Member Firm DT Pty Ltd ACN 633 956 073 which holds the assets under a discretionary trust for certain beneficiaries including potentially some corporate authorised representatives of Count Financial Ltd. Count Wealth Accountants® is the business name of Count. Count advisers are authorised representatives of Count. Information in this web page is based on current regulatory requirements and laws as at 1 October 2019, which may be subject to change. While care has been taken in the preparation of this web page, no liability is accepted by Count, its related entities, agents and employees for any loss arising from reliance on the information contained in the web page.

Did you know?

The first step in the advice process involves meeting with a Count adviser to discuss your needs and objectives. This no obligation discussion generally takes no longer than 30 minutes and allows you to decide whether you are comfortable with the adviser and if you would like a written strategy.