If you're heading into your 40s (or already there) and worried you've missed the investing boat, this one's for you. Following their episodes on investing in your 20s and 30s, Tash and Ana tackle the decade where compounding starts pulling its weight, but mortgages, kids, ageing parents and lifestyle creep are all fighting for the same dollar. Ahead, behind or starting from scratch, it's not too late.
In this episode we'll discuss:
💸 The maths of starting at 40: how $1,400 a month at a 7% return (not guaranteed) could make you a millionaire by 65, and why smaller amounts still count
💸 A timely scam warning: the fake accounts and WhatsApp groups impersonating Tash, how to spot an imposter, and what to do if you've been caught
💸 Why your 40s call for a more serious setup: super contributions to reduce taxable income, carry forward rules, insurances, and when a financial adviser's fee starts being worth it
💸 The $100,000 deck conversation: Ana's framework for lifestyle creep (\"if someone gifted you the money, would you actually spend it on this?\")
💸 Why feeling behind is the worst reason to take on more risk, and the Princeton research linking financial stress to a 13-point IQ drop
💸 Protecting what you're building: wills, executors, logins and the \"death binder\" that spares your family a scramble at the hardest possible time
Your 40s are often the decade where the habits and decisions of the past 20 years start showing up in your net worth. Wherever you're at, the goal stays the same: build a portfolio that gives future you more choices. That might just start with this episode.
Disclaimer Any advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.
Tash Invests Pty Ltd is a Corporate Authorised Representative #1317713 of Rask Licensing Pty Ltd. Read the FSG available from https://tashinvests.com/links
Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide
If you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer’s website before deciding.
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