Martin & Fortuin Teaching Financial Literacy

Australian adults aged 50–59 are in a critical "pre-retirement" window, where today's financial decisions could significantly impact their lifestyle choices for the next 30 years.

Australians in this age bracket are often at their peak earning potential and want to know:

1) How to aggressively boost their super balances before retirement
2) The financial impacts of dropping to part-time hours
3) Whether to throw spare cash at the family home or inject it into super
4) How to navigate Age Pension & Centrelink Rules
5) How to support adult children while simultaneously managing ageing parents
6) How to ensure a medical crisis won't derail their retirement timeline.

If any of these topics raise concerns for you, please visit our services page and email [email protected] to express your interest.

Home | Martin And Fortuin Warm, practical financial education that helps you understand money, make confident decisions, and build a future you feel good about.

This course is well worth it to complete, offering great foundational bookkeeping skills to get you started in the industry ✅

Accounting and Bookkeeping | Certificate IV | FNS40222-01 | TAFE NSW Start your career or formalise your knowledge with this accredited course. Graduate with practical skills for the accounting and bookkeeping industry and the educational requirements for your BAS agent registration.

Each year that you avoid investing in the share market, whether inside or outside of Australian superannuation, reduces the amount of money you would have accumulated at the end of your working life.

Once you’ve retired from the workforce, you’ll need a balance of accumulated funds large enough to pay your living expenses for the next 20-30 years.

This article explains, clearly, the cost to your finances of waiting to invest.

hashtag

What is the real cost of not investing today? | Swissquote Understand how time, inflation and missed growth affect Swiss investors and why waiting can harm your long term wealth.

If you find yourself worried about your finances during cost of living crises, or you’re worried about outliving your retirement savings, you would benefit from learning more about money.

The more you learn, the more you’ll try to take action, and the better the financial outcome will be for you and your family.

Start learning about money today.

Speak to me at Martin & Fortuin. I enjoy explaining how money can grow.

Which path would give you and your kids a happier long-term outcome?

Imagine losing your husband, and you have no idea where the household money is, how much money there is, what to do with the money and who to trust with your money, all while dealing with the shock and grief from losing your life partner?

You’re bound to feel stressed, despondent, make financial mistakes, and feel like you have no control.

However, you can decide today to ask questions, learn about money, and use your new understanding of money to consider whether your household money is stored, growing, and protected in a way that makes you feel comfortable.

The Financial Reality Many Women Face After 65 I need to have a frank chat with those of you at least 65 or so years old, who are married to a man, or in a long-term relationship where your finances are intertwined. I wish you continued years of a loving partnership, but I also need you to focus on the probability that you will likely live longe

The commitment to pay scheduled mortgage repayments during later working years can place an unwelcome strain on one’s mental, financial and physical health.

Who knows if you’ll be able to keep up with the mortgage payments into your 60s and 70s?

What if your job becomes redundant? What if you have a temporary health scare and you take extended sick leave, but your employer doesn’t need you anymore? What if you have to move to part-time work hours to take care of a loved one?

The less stressful option might be to rent a home, rather than to buy.

Most people think investing is just about buying stocks. But real wealth building happens in stages. First, you learn how to control money. Then, you learn how to protect it. Finally, you learn how to compound it over time. The problem is that many people skip the foundation and chase advanced strategies before mastering the basics. They want massive returns without understanding budgeting, risk, debt, taxes, or consistency. Wealth is rarely built through one lucky investment. It’s usually built through financial discipline, patience, long-term thinking, and systems that work repeatedly for years. The people who win financially aren’t always the smartest. They’re often the ones who stay consistent for decades while everyone else keeps restarting. Money grows slowly at first. Then suddenly, very fast. Which stage are you currently in: Beginner, Protector, or Compounder?

Want to learn about your options for where, when and how to save more money for your comfortable retirement? Reach out to Martin & Fortuin Teaching Financial Literacy and ask to speak to Nicole.

How Two Simple Habits—Saving More and Starting Early—Can Boost Retirement Happiness Discover how starting early and saving more can help you avoid common retirement regrets, build lasting financial security, and enjoy greater freedom in your later years.