“Have we left it too late?” (The question I keep getting asked)
Over the last two weeks, I’ve started doing something new every Wednesday.
A simple Q&A on social media.
I ask one question:
“What’s your burning financial/money question?”
No filters.
No scripts.
Just whatever people are thinking but maybe haven’t said out loud.
And something interesting happened.
The questions fell into two clear buckets.
The first one sounded like this:
“Have we left things too late?”
“When should we get advice?”
“When should we come and see a financial adviser?”
The second bucket was about investing:
“What happens if the market crashes?”
“How do I know when I should start investing?”
“What’s the best investment?”
Different words.
Same underlying feeling.
Uncertainty.
Let me tell you about a conversation I had recently.
A couple came in.
Great income.
Smart people.
Hard workers.
But they felt stuck.
Not broke.
Not in crisis.
Just unsure.
They kept saying, “We probably should have done this earlier.”
That’s the conflict most people feel.
They think advice is something you get:
when things go wrong
when you’re about to retire
or when you’ve “made it”
But here’s the truth.
You don’t need to wait for a crisis.
The best time to see an adviser is when you want clarity about your next step.
If you’re asking the question, it’s probably the right time.
We see:
People earning great incomes but unsure how to structure things
Couples heading toward retirement wondering if it’s enough
Business owners juggling everything but lacking direction
The common theme?
They want a roadmap.
Advice isn’t just a document.
It’s direction.
Now let’s talk about the second bucket.
Investing.
Most people want to know:
“What’s the best investment?”
But that’s like asking:
“What’s the best car?”
For who?
For what road?
For how long?
Investing comes after direction.
You don’t build the roof before you lay the foundation.
The framework is simple:
Get clear on where you’re going.
Build a plan to get there.
Then choose the right investments to support that plan.
One of my favourite reminders is this:
“Clarity creates confidence.”
When you know the direction, market crashes feel less scary.
Because you understand the strategy.
When you know the destination, investing becomes a tool not a gamble.
Money is like a GPS.
If you don’t enter a destination, it can’t guide you.
And if you keep driving in circles, it’s not the car’s fault.
So if you’ve been quietly wondering,
“Should we get advice?”
or
“Are we too late?”
or
"Are we on track?"
That question alone is a signal.
And if you’d like your question answered, or just some Wednesday financial entertainment, follow along on socials:
Instagram:@7wealth__
Facebook:@7wealthaustralia
We’ll keep answering the real questions.
And as always, if you’re a client and need an answer specific to your situation, reach out to organise a time contact us or SMS 0483 937 777.
Talk soon,
7Wealth Pty Ltd ABN 44609210246 is a Corporate Authorised Representatives and is authorised throughCobalt AdvisersPty Ltd ABN 64 628 654 099 who is an Australian Financial Services Licensee 512550. 7Wealth Pty Ltd is a Credit Representative ofAustralian Finance GroupLtd ABN 11 066 385 822 (AFG) Australian Credit Licence 389087.
This blog contains information that is general in nature. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.
