Pivot Wealth

Pivot Wealth 🤑 Learn how to invest smarter & save tax
👇free content👇
⚠️ Not Advice ⚠️

At Pivot we know everyone's situation is unique, but have noticed young professionals face some common challenges when it comes to money. Are you suffering from any of the following:
- You're overwhelmed with information and options ?
- You're not sure the steps you need to take to get the money and lifestyle outcomes you want?
- You're worried about making a mistake? These all lead to putting mon

ey success in the too hard basket and suffering through inaction, which means you're missing a huge opportunity to start making serious progress setting up the lifestyle you want. Pivot is a Money Management company that specialises in helping young professionals make smart money choices so they can make the most of their income and grow their savings and investments.

03/09/2026

Your job and shares are one bet

RSUs are typically taxed as income at vesting whether you sell or not, so holding means paying tax on shares you're still exposed to. When your salary and your net worth depend on the same company, a concentration check matters more than conviction. Sell on vest is the default worth starting from.

General information only, not financial advice.

02/09/2026

25 jobs, one breakdown, then a search

Matt Lakajev dropped out of school, was kicked out of home more than once and worked 25 different jobs before having a breakdown at 27 that sent him back to his parents' place. Studying accounting to be sensible gave him generalised anxiety disorder instead. So he googled how to make the most money without a degree, and the answer changed his career.

General information only, not financial advice.

02/09/2026

Your budget is not the problem

The home you buy, your structure, your debt strategy and your investing system set your trajectory, and the coffee habit is a rounding error next to them. High earners keep optimising the $5 stuff while making seven figure decisions on emotion. Get the big four right and the small ones don't need policing.

General information only, not financial advice.

02/09/2026

The gap between 0.2% and 1%

She ran the model before walking into the studio, using ten thousand dollars to start, a thousand a month and 7% over twenty years. Same money, same returns, same twenty years, and the one percent fund costs you $64,000 in fees against $13,600 for the cheaper one. That gap is more than fifty thousand dollars.

General information only, not financial advice.

01/09/2026

Sydney down 9% this calendar year

SQM Research holds one of the more bearish forecasts in the market and Louis Christopher put a number on it, with Sydney down about 9% for the calendar year. Melbourne sits at minus 7 and Brisbane might still edge out a small gain on paper. Nobody in Brisbane will feel like it.

General information only, not financial advice.

01/09/2026

Nobody prices the baby before buying

You take an income out for mat leave, come back part-time, then add daycare on top, which in Sydney costs more than most private schools. People make million dollar property decisions without ever running that gap. It blows me away how rarely it gets modelled first.

General information only, not financial advice.

01/09/2026

Your first post, word for word

Matt gives the exact opening line, which is that you've been hanging out on LinkedIn for eight years but never properly introduced yourself. Then your name, ten years of what you were doing, where you are now, and a photo of you looking happy. He reckons most people spend three years working up to hitting post.

General information only, not financial advice.

31/08/2026

Three percentage points sounds like nothing. It's a seven-figure difference.

Money landing in your super more often is only half the win. The other half is where that money actually goes once it gets there. The spread across the big default funds runs up to three percentage points a year, and for a 30-year-old that gap compounds into a seven-figure difference by retirement. Same contributions, wildly different result. Payday super is a good nudge to check you're in the right fund and invested properly, rather than sitting in whatever your first employer picked for you a decade ago.

General information only, not financial advice.

31/08/2026

Actually, I've got a better one

Asked what she would tell her 21-year-old self, Maddy says buy property earlier, then interrupts herself with something better, which is don't do credit cards. Back then the banks handed out twenty-five thousand dollar limits and everyone spent it on European summers. She reckons most people her age are still paying it off.

General information only, not financial advice.

30/08/2026

Changed jobs a few times? There's a good chance you've got super you've forgotten about.

Every default fund you got signed up to along the way is still sitting there, quietly charging you a set of fees. You can find the lot through myGov with your tax file number and consolidate it into one fund in a few clicks. One warning before you press the button: check the insurance held inside the old accounts first. Close a fund and the cover goes with it, and if you've had any health issues since, you might not get it back.

General information only, not financial advice.

Address

Level M/388 George Street
Sydney, NSW
2000

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8:30am - 5:30pm

Telephone

+61280916881

Website

Alerts

Be the first to know and let us send you an email when Pivot Wealth posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category