Page 1 - FWP Wealth Adviser newsletter - Issue 117: August 2025

ISSUE 117 AUGUST 2025
WHY YOUR FUTURE

SELF WILL THANK YOU

UNDERSTANDING THE TIME VALUE

OF MONEY IN EVERYDAY

AUSTRALIAN LIFE

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INSIDE BY WEALTH ADVISER

1 Why Your Future Self Will Thank Introduction: The Invisible Power of Time in Personal Finance
You: Understanding the Time Imagine being faced with a simple choice: you can have $100 today or $120 if you’re
Value of Money in Everyday
Australian Life willing to wait a year. The rational response may seem obvious—wait for the higher payout.
4 When Property Holds You Yet, most people instinctively choose the immediate reward. This is not just a trivial quirk;
Together: The Growing it’s a universal bias quietly shaping our financial decisions every day.
Influence of Housing Costs on
Marital Breakdowns Many Australians find the time value of money (TVM) abstract or even confusing. Yet,
7 Wealth and Wisdom: Practical this concept underpins critical decisions ranging from paying off a mortgage sooner to
Moves for Australians Amid selecting superannuation strategies and deciding whether to spend or save. The challenge,
America’s Monetary Hurricanes as industry writers and financial educators point out, is that it’s hard to see what’s missed
11 Q&A: Ask a Question out on by not delaying gratification.

BEFORE YOU GET STARTED
This Wealth Adviser publication is published by Wealth Today Pty Ltd Information in this document is no substitute for professional financial
(AFSL 340289), Sentry Advice Pty Ltd (AFSL 227748), Synchron Advice advice.
Pty Ltd (AFSL 243313) and Millennium3 Financial Services Pty Ltd (AFSL We encourage you to seek professional financial advice before making any
244252) and contains general and factual information only. investment or financial decisions.
Before acting on any information contained herein you should consider if In any circumstance, before investing in any financial product you should
it is suitable for you. You should also consider consulting a suitably qualified obtain and read a Product Disclosure Statement and consider whether it is
financial, tax and/or legal adviser. appropriate for your objectives, situation and needs.