{"id":15520,"date":"2021-02-02T10:47:06","date_gmt":"2021-02-01T23:47:06","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=15520"},"modified":"2021-02-02T19:42:11","modified_gmt":"2021-02-02T08:42:11","slug":"good-financial-decisions","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/good-financial-decisions\/","title":{"rendered":"Good financial decisions are a compounding asset"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"15524\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/good-financial-decisions\/good-decisions-compound-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/02\/Good-decisions-compound-email.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Good decisions compound &#8211; email\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/02\/Good-decisions-compound-email.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/02\/Good-decisions-compound-email.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/02\/Good-decisions-compound-email.png?resize=1000%2C250&#038;ssl=1\" alt=\"\" class=\"wp-image-15524\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/02\/Good-decisions-compound-email.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/02\/Good-decisions-compound-email.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2021\/02\/Good-decisions-compound-email.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>One good financial decision will have positive consequences. But five good decisions in a row will be life changing. It will create a lot more than five times the positive outcomes than one good decision will. That\u2019s because good decisions are a compounding asset.<\/p>\n\n\n\n<p>Our lives are a sum total of the choices we have made &#8211; Wayne Dyer.<\/p>\n\n\n\n<p>When it comes to building wealth and fulfilling your lifestyles goals, true success comes when you master all six facets: (1) good cash flow management, (2) having a clear and efficient investment strategy, (3) invest in the right assets using the right methodologies, (4) optimising superannuation, (5) minimising tax and (6) protecting your assets for your family\u2019s benefit.<\/p>\n\n\n\n<p>We all know that to achieve a good level of health requires us to focus on optimising our diet, exercise regularly and get plenty of quality sleep. We also realise that we will not achieve our full potential (health wise) by just focusing on only one of these factors. Optimising your finances is the same \u2013 a holistic approach yields the best results, which takes several good decisions.<\/p>\n\n\n\n<p>Here are some examples of some good financial decisions you can make.<\/p>\n\n\n\n<iframe loading=\"lazy\" src=\"https:\/\/webplayer.whooshkaa.com\/episode\/785741?theme=light&amp;enable-volume=true&amp;iframe-height=190\" height=\"190\" width=\"100%\" scrolling=\"no\" frameborder=\"0\" allow=\"autoplay\"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-a-stop-wasting-your-money\">(a) stop wasting your money<\/h3>\n\n\n\n<p>Money is wasted on things that don\u2019t improve your standard of living. The key here is to make <em>conscious <\/em>financial decisions. If you aren\u2019t conscious about your expenditure, your money will be wasted on things that you really don\u2019t care about.<\/p>\n\n\n\n<p>Holidays are a very good example of <em>conscious <\/em>expenditure. We tend to get a lot of happiness and satisfaction from holidays. They creates long-lasting memories. And if we stopped spending money on holidays, we\u2019d really miss it.<\/p>\n\n\n\n<p>However, buying takeaway coffee is a good example of <em>unconscious <\/em>expenditure. They are nice to have, but if you are able to make yourself a cup of coffee at work, you probably won\u2019t miss it. These small expenses tend to add up to a surprising amount. Two takeaway coffees per day might end up costing you more than $10,000 per year! That is more than one investment property\u2019s holding costs!<\/p>\n\n\n\n<p>It is pretty simple to implement good cash flow practices, and it doesn\u2019t have to be a painful process. The fact is that you won\u2019t miss spending money in wasteful items. <a href=\"https:\/\/wealthcoach.com.au\/stage\/cash-flow-management-practices\/\" target=\"_blank\" rel=\"noreferrer noopener\">This blog<\/a> last year walks you through a simple structure many of my clients use with great success.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-b-invest-in-the-right-assets\">(b) invest in the right assets<\/h3>\n\n\n\n<p>I believe investing is easy if you stick to sound fundamentals, only adopt evidence-based strategies and never watch the news or read newspapers. That is why I wrote <a href=\"http:\/\/investopoly.com.au\/\" target=\"_blank\" rel=\"noreferrer noopener\"><em>Investopoly<\/em><\/a> \u2013 to provide a set of rules, a framework, to guide people down the right path and avoid making financial mistakes.<\/p>\n\n\n\n<p>What you invest in (the asset), and which methodology you chose to adopt, will determine your future returns. In a way, your destiny is determined when the initial decision is made . It only takes one decision to buy the <em>right<\/em> property or to seek advice. Once that decision is made, its merely a matter of waiting a decade or two for the results to materialise. These \u2018decisions\u2019 are incredibly important to get 100% right.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-c-ask-for-help\">(c) ask for help<\/h3>\n\n\n\n<p>Two points. Firstly, you don\u2019t know what you don\u2019t know. Secondly, experience is far more important than knowledge. You can fast track knowledge, but there are no shortcuts with experience. Experience tells you how and when to apply knowledge \u2013 you need both to avoid making mistakes.<\/p>\n\n\n\n<p>Therefore, the question is, do you want to make your own mistakes or pay someone that has already learnt how to avoid these often inconspicuous mistakes? The choice is yours. Seeking advice from someone with more experience than you is often the lowest-cost and most successful approach.<\/p>\n\n\n\n<p>Please don\u2019t tell my sons I said this, but I don\u2019t know everything. Yes, it&#8217;s true. J For example, after my wife and I sold a commercial property last year I paid a tax expert for some specific advice. I probably could have worked it out myself, but I didn\u2019t have enough experience. As it turned out, the advice saved us literally hundreds of thousands of dollars! Just because you might be able to work it out yourself, doesn\u2019t mean you should. Don\u2019t let your ego get in the way of asking for help. Risk comes from not knowing what you\u2019re doing (Buffett quote).<\/p>\n\n\n\n<p>Asking yourself (1) who can tell me what to do, not (2) what should I do, is a good decision. It\u2019s a <em>who<\/em> question, not <em>what<\/em> question.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-d-resist-the-temptation-to-cut-corners\">(d) resist the temptation to cut corners<\/h3>\n\n\n\n<p>It is tempting to find an \u201cinvestment\u201d like Tesla, Afterpay or Bitcoin to make a quick 10x return. But this isn\u2019t a successful methodology because the likelihood of you finding the next unicorn is very low. And to do it consistently, year after year, without making a mistake is near on impossible. Even the \u2018experts\u2019 can\u2019t do this.<\/p>\n\n\n\n<p>Investing with the aim of achieving much better than average returns (I.e. way more than 10% p.a.) is a fool\u2019s game. It\u2019s a mere distraction. As soon as you say \u2018yes\u2019 to something, you inadvertently say \u2018no\u2019 to something else. So, as soon as you say \u2018yes\u2019 to trying to cut corners and make some quick profit, you say \u2018no\u2019 to implementing a far more predictable, repeatable and successful investment methodology.<\/p>\n\n\n\n<p>Having the discipline to ignore the shiny objects isn\u2019t always easy. In the short run, you\u2019ll feel like you\u2019ve missed out. That\u2019s because the rewards from sound, evidence-based strategies may only be evident in the long run.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-there-s-only-a-handful-of-decisions-you-need-to-get-right\">There\u2019s only a handful of decisions you need to get right<\/h3>\n\n\n\n<p>It is your money. It is your life. And it is your prerogative about what decisions you make. But the reality is that there\u2019s probably 5 or less financial decisions you need to perfect in your lifetime. If you can nail those financial decisions, you will enjoy financial security. Four simple decisions such as the ones listed below is a perfect example:<\/p>\n\n\n\n<ol type=\"1\"><li>We will track our <a href=\"https:\/\/wealthcoach.com.au\/stage\/cash-flow-management-practices\/#post-14976:~:text=care.-,Discretionary%20expenses,7.%20other%2C%20which%20is%20anything%20that%20doesn%E2%80%99t%20fit%20in%20the%20preceding%20categories.\" target=\"_blank\" rel=\"noreferrer noopener\">discretionary expenditure<\/a>;<\/li><li>We will engage an independent financial advisor to develop and implement a plan for us;<\/li><li>We will not invest in speculative assets or take silly risks; and<\/li><li>We will always invest a set amount of cash flow each year.<\/li><\/ol>\n\n\n\n<p>If you are unhappy with your current financial position, I suggest you focus on improving the decisions you make.<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>One good financial decision will have positive consequences. But five good decisions in a row will be life changing. It will create a lot more than five times the positive&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[30],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Good financial decisions are a compounding asset<\/title>\n<meta name=\"description\" content=\"Good financial decisions are a compounding asset. 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