The Financial Plan Every Australian Needs In Order To Build Wealth

Meet Helen Baker: The financial adviser helping Aussies take control of their futureIs homeownership really out of reach? Are we heading into a property super boom or just another unpredictable cycle? In this episode, I sit down with Helen Baker, financial planner, author of Money for Life, and founder of On Your Own Two Feet, to break down the truth about the property market right now. We dive into smart investing, how to help your kids without risking it all, and why having a financial plan is the ultimate form of freedom. Helen shares her five financial foundations that every Aussie needs to know, the dangers of lifestyle creep, and what women need to understand about money, independence, and security. Whether you’re a first-time buyer, a parent wanting to help your kids, or just feeling financially stuck, this episode is your call to action. It’s time to take back control and future-proof your finances, one smart move at a time. Key Moments:02:03 Who is Helen Baker: Financial Adviser & Author05:07 Gifting vs Loaning: Hidden Risks for Parents10:45 SMSFs and Lost Insurance Coverage16:09 Estate Planning, Wills, and What Most People Forget20:10 High Earners, No Assets: The HENRY Trap24:10 What Happens If You Wait Too Long?28:15 Fear, Greed & Regret: The Psychology of Investing35:10 Superannuation: The Most Ignored Asset41:06 Homeownership Dreams: Reality Check & Strategy46:35 Planning Ahead: Strategies for Over 50s51:14 It’s Not Too Late: Why Time is Still on Your Side57:05 The Power of Books, Education & Repetition👉 Whether you're a first home buyer or expanding your portfolio, Atelier Wealth can help. Book a discovery session with a mortgage broker here: https://calendly.com/atelier-wealth-discovery-team👉 For everything you need to know about getting a loan approved and buying a property, read the Happy Home Loan Handbook by Aaron Christie-David. Get a FREE chapter here: https://atelierwealth.com.au/the-happy-home-loan-handbook/About Aaron:Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.Connect with Aaron:Visit the website: https://atelierwealth.com.au/   Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/Follow Aaron on Facebook: https://www.facebook.com/aaronchristiedavidFollow Aaron on LinkedIn:  https://www.linkedin.com/in/aaronchristiedavid/Subscribe to Atelier Wealth’s YouTube Channel: https://www.youtube.com/@atelierwealth_au