Money Management /

Financial advice in your 20s and 30s

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Everyone has a different trigger that gets them thinking seriously about their finances. It could be saving for a home deposit, starting a family, or maybe landing a big promotion.

Whatever the trigger, you know when it’s time to do something.

But what does ‘something’ look like? And who can help you turn your ‘something’ into something even bigger?

What financial advice can do for you

There’s a common perception that financial advice is only for people who are already established financially. In other words, helping the rich get richer.

In actual fact, seeking financial advice is a great way to help people who are starting out get ahead faster.

Some of the common ways financial advice can help you in your 20s and 30s include:

  • Budgeting – making sure you know exactly what’s coming in and going out, so you can identify opportunities to save.
  • Managing your debts – helping you eliminate credit card debt and reduce the amount of non-deductible interest you pay.
  • Investing for your future – putting some of your disposable income into appropriate investments to achieve your goals (e.g. saving for a home deposit).
  • Taking control of your super – ensuring your super accounts are consolidated and invested in a way that will meet your long-term goals, without paying unnecessary fees.
  • Protecting your lifestyle – reviewing any existing life insurance you have and making sure your income is protected in case you become seriously ill or injured.

Not all of these strategies will apply to everyone. But the benefit of seeing a financial planner is that you can get personal advice that’s tailored to you – so you can start ticking off your financial goals. 

Now wouldn’t that be something?

Speak with an IMB Financial Planner


IMB Financial Planners are Representatives of IMB Financial Planning Limited ABN 23 094 730 195 AFSL 234 660. IMB Financial Planning Limited is a wholly owned subsidiary of IMB Ltd trading as IMB Bank ABN 92 087 651 974. Australian Credit Licence/AFSL 237 391.

Why choose us?

Established in 1880, IMB Bank is one of the most enduring financial institutions in the country, helping people achieve their financial goals for over 140 years. Our members can access a fully featured range of services: home and personal lending, savings and transaction accounts, term deposits, business banking, and more.

Our renowned personal service is backed by innovation, providing convenient, secure digital banking options where and when you want it. IMB also has a growing retail branch network throughout NSW and Victoria, for when you need to speak to someone in person, and a team of professionals at our locally based contact centre. We have a lending specialist in every branch and a team of mobile lending specialists who will come to you.

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