CommonCents Financial Planning

31/03/2026

At 60-65, couples in Australia are looking at a potentially long retirement. Long-term financial planning is crucial to ensure you can comfortably live out those years.

24/03/2026

When planning for retirement, Australians face three key risks: inflation, longevity, and the unexpected. Forget stock market or AI worries – these are the real financial challenges ahead. Inflation is the most significant threat.

21/03/2026

The cost of buying a home in Australia has skyrocketed over the last 50 years due to inflation. What was once affordable is now a distant dream for many.

17/03/2026

A story from 1990 highlights a widow's investment choices and the silent erosion of her savings due to inflation. Understand the real risks in retirement planning.

16/03/2026

When people think about financial risk, they usually focus on the big, dramatic events — market crashes, recessions, interest rate shocks or global uncertainty. These risks feel immediate and frightening, so they naturally get most of our attention.

But the most dangerous threat to your long‑term financial security doesn’t usually make headlines. It works quietly in the background, year after year, steadily eroding the value of your money.

That threat is inflation.

Explore why inflation is the greatest risk to your wealth and how it quietly erodes your financial security over time.

13/03/2026

Discover how financial planners safeguard your retirement nest egg against inflation. Learn the strategies used to incorporate inflation management into investment portfolios, ensuring your money keeps its value over time.

07/02/2026

Drawing a pension seems straightforward—until markets drop. This video reveals why liquidity risk is critical for retirement and superannuation. Protect your future with smart contingency plans.

06/02/2026

Betty's journey reveals a harsh truth: inflation can erode savings. She realized relying solely on bank deposits wasn't enough for long-term financial security. A wake-up call for us all.

05/02/2026

Betty saved diligently, but her money sat in a bank deposit. Over time, inflation eroded its purchasing power. Learn from Betty's story: protect your savings by investing in assets like property.

05/02/2026

Not all debt is bad. Good debt helps you acquire assets that grow in value. Bad debt? That's for things that lose value fast, like cars and boats. Learn to tell the difference and manage your finances wisely.

04/02/2026

Thinking fixed interest is always safe? This video dives into the realities, using La Trobe Financial as an example. Learn why understanding underlying credit risk is key, and how it compares to options like term deposits. Remember Virgin Airlines bondholders? A lesson there.

04/02/2026

Productive debt is like a lever, helping you achieve more with less effort. Bad debt? It's like digging a hole, the deeper you go, the harder it is to get out. Understand the difference to use debt wisely.