Australian Finance Podcast

Financial planning tips from a pro: What you need to know in your 30s

15 snips
Sep 22, 2025
Guest
Alex Luck
In this insightful discussion, financial planner Alex Luck, co-founder of Everest Wealth, shares valuable lessons for young professionals and families. He emphasizes the importance of building an emergency fund, highlighting that three months of expenses is just the start. Alex explains the magic of early investment and compounding returns, plus why property is still a smart long-term move. He also dives into the benefits of smart tax structuring and encourages listeners to remain open-minded in their financial journeys. A treasure trove of practical advice!
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ANECDOTE

Working Remotely From Bali

  • Alex worked remotely from Bali and met a diverse group of remote workers in co‑working spaces.
  • He notes the potential to change tax residency when living and working offshore for long periods.
ADVICE

Start With A Practical Emergency Fund

  • Build an emergency fund sized so you can sleep at night and cover unexpected costs.
  • Keep it large enough for peace of mind but not so large that it causes big opportunity cost by sitting idle.
ADVICE

Use Offsets For Mortgage Holders

  • Use an offset account for your emergency fund if you have a mortgage to reduce interest costs.
  • If you don’t have a mortgage, park it in a high‑interest savings account instead.
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