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ISSUE 118 AUGUST 2025
FROM
SHAKESPEARE
TO SUPER
MASTERING
TIME VALUE AND
BEHAVIOURAL BIASES
FOR LASTING WEALTH
BY WEALTH ADVISER
When life throws you a curveball—a broken-down car, an unexpected medical bill, or
simply the temptation of a flash sale—how do you respond? The choices you make in these
INSIDE moments can determine whether you build lasting wealth or find yourself trapped in cycles
of financial stress. This isn’t just about having willpower; it’s about understanding the
1 From Shakespeare to Super: fundamental psychological forces that drive our money decisions and learning how to work
Mastering Time Value and with them, not against them.
Behavioural Biases for Lasting
Wealth Introduction: The Time Paradox in Modern Life
5 Stable Money in an Unstable Shakespeare’s desperate cry “My kingdom for a horse” in Richard III captures something
World: Weighing the Promise timeless about human nature: when we need something now, rational long-term thinking
and Peril of Digital Currencies
often goes out the window. Today, this same urgency plays out differently but just as pow-
8 Building a Resilient Income erfully. Consider Sarah, a 28-year-old marketing coordinator who recently received a $1,200
Portfolio: Beyond Cash and tax refund. She could invest it in her superannuation where compound interest would turn
Bonds
it into roughly $11,500 by retirement. Instead, she’s eyeing a weekend getaway that costs
11 Q&A: Ask a Question exactly $1,200.
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.