Mo Money #493 Average household wealth by age in Australia
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Mar 11, 2026 A deep dive into Australian household wealth across age bands, breaking down savings, shares, property and debts. Discussion of what to prioritise in each decade from 25+ to retirement. Covers borrowing strategy, tax-smart moves, converting assets to income and timing drawdowns. Encourages planning for personal goals rather than comparing to averages.
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Client Saved $20,000 By Restructuring Investments
- A mid-30s client created a $20,000 tax saving in 12 months by restructuring investments and super.
- She used a family trust and investment company for franked dividends, upgraded property to use the six-year PPR CGT rule, and topped up low-cost index super.
Averages Are Useful Only With Your Goals
- Comparing yourself to averages can be useful but misleading without your personal goals and timeline.
- High savers may still be off track if their plans require much larger asset targets, so know your numbers and plan.
Build Banking Systems And Buy Quality Property Early
- For 25 to 34-year-olds, set banking structure and savings systems to ensure you spend less than you earn.
- Use that structure to ramp savings with pay rises, start shares and aim to buy quality property early without overleveraging on poor assets.