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Opinion

Paridhi Jain Money contributor November 4, 2025 — 12.29pm

I’ve been fixing my finances for the last few years, with the help of podcasts and books. I have a few savings buckets set up for things like travel, and I try to stick to a budget. I have some ETFs, I think my super is doing OK, and I try to make extra contributions. My problem is, I feel like I’ve stalled. I don’t know what I’m missing or whether there’s more I should be doing. I feel like I could be doing more, but I don’t know what.

In a scenario like this, what I tend to see is that you’ve implemented lots of different “tips”. You hear that a high-growth super fund is a good idea, so you switch your portfolio. You hear about buckets, so you divide up your savings. It’

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