In this Australian Finance Podcast episode, Owen Rask chats with Everest Wealth’s Alex Luck about the 5 most important lessons he’s learned from advising thousands of young professionals and families. In this honest, practical conversation, Alex shares:
- Why building an emergency fund is boring—but essential
- How the power of compounding favours early investors
- Why getting on the property ladder is still a smart long-term move
- The power of smart tax structuring (even for everyday investors)
- Why keeping an open mind might be your biggest financial edge
If you enjoy this episode on financial planning insights for people in their 30s and 40s, subscribe for weekly shows on Apple, Spotify, YouTube, or wherever you listen.
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Topics Covered
- Travel and tax planning
- Emergency funds: how much is enough?
- Why 3 months of expenses is just a starting point
- Offsets vs. savings accounts
- How much cash is too much cash?
- Getting invested early: the compounding magic
- ETFs vs. shares: where to start
- The power of low fees and diversification
- Gearing explained: good or bad?
- The truth about getting into the property market
- Why you probably can’t out-save property prices
- First Home Super Saver Scheme
- First Home Guarantee (5% deposit scheme) explained
- Mortgage brokers: why you need one
- Tax structuring 101: names, trusts, companies
- Common mistakes with tax on investments
- Building an investment strategy that works with your structure
- Why being open minded is underrated
- Bitcoin, gold, ETFs, property—diversification in action
- Advice from a financial planner: what a real plan looks like
