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type="application/ld+json">{"@context":"http://schema.org","@type":"NewsArticle","author":{"@type":"Person","name":"Bec Wilson"},"dateModified":"2024-11-08T18:01:00+00:00","datePublished":"2024-11-08T18:01:00+00:00","description":"Financial education is dry and overly complex, so why aren’t we investing in self-help financial education that’s engaging, accessible and genuinely useful?","headline":"Is this the missing link for cheap, effective financial 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type="application/ld+json">{"@context":"http://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://www.watoday.com.au/money","name":"Money"}},{"@type":"ListItem","position":2,"item":{"@id":"https://www.watoday.com.au/money/super-and-retirement","name":"Super & retirement"}},{"@type":"ListItem","position":3,"item":{"@id":"https://www.watoday.com.au/topic/financial-planners-5x9","name":"Financial planners"}}]}</script></div><div class="GEPIV"><div class="_-3WkJ"><p class="wug9S"><span>This was published 3 months ago</span></p><h3 class="bXSjX">Opinion</h3><h1 data-testid="headline" itemProp="headline">Is this the missing link for cheap, effective financial advice?</h1></div><div class="Mj0-i"><div class="_0VylD"><div class="DDMAJ"><h5 itemProp="author" itemscope="" itemType="http://schema.org/Person"><span><span data-testid="byline"><a href="/by/bec-wilson-p536ww" title="Articles by Bec Wilson">Bec Wilson</a></span></span></h5><span class="mSuD-" hidden="">Money contributor</span></div><div class="cLXNt"> <span class="_6rKYd"><time class="xt6gv" data-testid="datetime" dateTime="2024-11-09T02:01:00+08:00">November 9, 2024 — 2.01am</time></span></div></div></div></div></header><section class="x5U69 wZiOP"><div class="eyqx4 up6zR"><div class="YjR-r"><div class="g5MvC"> <span class="_6rKYd"><time class="xt6gv" data-testid="datetime" dateTime="2024-11-09T02:01:00+08:00">November 9, 2024 — 2.01am</time></span></div></div></div><div class="Xzt9c noPrint"><div class="dDuGY"><div class="wMz9s"><button aria-checked="false" aria-describedby="saveTooltip" aria-label="Save article to read later" class="lYnY4" role="switch" type="button"><svg aria-hidden="true" class="kTpHl IIE5G" focusable="false" height="1em" width="1em"><use xlink:href="#icon-save"></use></svg><span class="_1UKiw">Save</span></button><div aria-hidden="true" class="GvnJU gD20Q" id="saveTooltip" role="tooltip"><button>Log in</button>, <a data-testid="login-register" href="https://watoday.myfairfax.com.au/channel/cWvEleexy48f-PI5-jlBnw/members/signups/new?callback_uri=">register</a> or <a href="https://subscribe.watoday.com.au/?promote_channel=HI_HL_GNL">subscribe</a> to save articles for later.</div><div><div aria-hidden="true" class="GvnJU VNUKJ _1pSgb" id="onboardingTooltip" role="tooltip"><h3>Save articles for later</h3><p>Add articles to your saved list and come back to them any time.</p><button class="T0DxF Fe1BB I7jPK" data-ffx-event-action="cta click" data-ffx-event-category="save onboarding" data-ffx-event-label="got it - part 1" data-ffx-hittype="event">Got it</button></div></div></div><div class="WaJMq"><div class="_5HQBJ"><button class="XsMHX j7Zux" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size normal" data-ffx-event-value="0" data-ffx-hittype="event">Normal text size</button><button class="GGU-4" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size large" data-ffx-event-value="0" data-ffx-hittype="event">Larger text size</button><button class="Jftp7" data-ffx-event-action="cta click" data-ffx-event-category="component" data-ffx-event-label="font size extra large" data-ffx-event-value="0" data-ffx-hittype="event">Very large text size</button></div></div></div></div></section><section class="mm0yF" data-testid="article-body-top"><aside class="KxH15"><div class="FCOQC _2ylTh"><div class="container"><div class="adWrapper IMjKL noPrint" data-testid="ad"><small class="CtZLl">Advertisement</small><div class="" id="adspot-160x600_300x250_300x600-pos2-desktop"></div></div></div></div></aside><div class="wsquJ" data-testid="article-body"><div><div class="TqQ8t"><div class="PMdfl" id="beyondwords-player"></div><div class="_--xHC" data-testid="showPlayerOverlay"></div></div><div class="Hy4HP z5wPE" data-testid="body-content"><p>The Financial Advice Association of Australia (FAAA) has launched a digital campaign targeting “finfluencers” and urging people to talk to licensed financial advisers instead.</p><p>For those who can afford it and seek advice at the right times, I agree – quality advice can be invaluable. But here’s the reality: financial literacy is low for many Australians, and most people don’t even know if the advice they’re getting is truly suited to them.</p><figure class="_72JXS _0SAJQ mSNnk Wnq-J" data-testid="image"><div aria-label="enlarge image" class="-IWVI" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.146%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_60%2C$y_0/t_crop_custom/q_86%2Cf_auto/dc301155370081f8e9c79b75a8888fd14736e5f5, https://static.ffx.io/images/$zoom_0.146%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_60%2C$y_0/t_crop_custom/q_62%2Cf_auto/dc301155370081f8e9c79b75a8888fd14736e5f5 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.146%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_60%2C$y_0/t_crop_custom/q_86%2Cf_auto/dc301155370081f8e9c79b75a8888fd14736e5f5, https://static.ffx.io/images/$zoom_0.146%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_60%2C$y_0/t_crop_custom/q_62%2Cf_auto/dc301155370081f8e9c79b75a8888fd14736e5f5 2x" height="512" width="768"/><img alt="Financial advice can seem like a maze to navigate, leaving people to turn to less trustworthy online sources." src="https://static.ffx.io/images/$zoom_0.146%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_60%2C$y_0/t_crop_custom/q_86%2Cf_auto/dc301155370081f8e9c79b75a8888fd14736e5f5" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.146%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_60%2C$y_0/t_crop_custom/q_86%2Cf_auto/dc301155370081f8e9c79b75a8888fd14736e5f5, https://static.ffx.io/images/$zoom_0.146%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_60%2C$y_0/t_crop_custom/q_62%2Cf_auto/dc301155370081f8e9c79b75a8888fd14736e5f5 2x"/></picture></div><figcaption class="qTXWa"><p><span class="_5nQzY">Financial advice can seem like a maze to navigate, leaving people to turn to less trustworthy online sources.</span><cite class="Zo2UY"><span class="ALMCC">Credit: </span>Simon Letch</cite></p></figcaption></figure><p>Add to that the millions of people who simply can’t access affordable advice, and you’re left with people either trying to figure things out on their own or, worse, turning to influencer content that might not serve their best interests.</p><p>If we’re serious about building financial confidence in Australia, we need to look beyond pointing fingers at finfluencers. The real solution is self-help financial education – a nearly empty space where people could access unbiased, practical information without the sales pitch.</p></div><div class="GJua6"></div><div class="Hy4HP z5wPE" data-testid="body-content"><p>Here’s the catch: the financial advice industry isn’t set up to champion self-help education. A more financially literate public might not need advice as often, and that reality doesn’t drive revenue.</p><p>Instead of just criticising finfluencers, we should be learning from their approach – asking ourselves why people are turning to them in the first place.</p><blockquote class="L54G0" data-testid="pull-quote"><p>Finfluencers pose a risk to everyone, but instead of just calling them out, maybe the financial advice industry could learn lessons from them.</p></blockquote><p>Let’s face it, most available financial education is dry, overly complex or too disconnected from the real-life decisions people need to make. Why aren’t we investing in self-help financial education that’s engaging, accessible and genuinely useful?</p><p>We need to fill the information gap with resources that empower Australians to make confident financial choices, not just create a bigger queue for advice services that are already unable to cope with the current levels of enquiry.</p></div></div></div></section><div class="PFPZd"><div class="container"><div class="adWrapper IMjKL noPrint" data-testid="ad"><small class="CtZLl">Advertisement</small><div class="" id="adspot-728x90_970x250-pos3-desktop"></div></div></div></div><section class="KylbS" data-testid="article-body-bottom"><div class="wsquJ"><div><div class="Hy4HP z5wPE" data-testid="body-content"><p>Imagine having programs and resources that people could turn to as life changes, helping them recognise when they need advice and when they don’t. Most people need advice only at pivotal times, not every year, and the industry can’t realistically serve everyone one-on-one.</p><p>Filling this gap with engaging education would mean equipping more Australians to make smarter decisions on their own terms, without relying on influencers who might not have their best interests at heart.</p><p>Just the other night, my 16-year-old son floored us at the dinner table. We were discussing how important homeownership can be for a secure retirement, and he suddenly said, “I’ll never be able to buy a house.”</p><p>We stared at him for a moment. “Of course you will!” we said, almost in unison. “You just need to understand how it works – get some reliable skills, a job you enjoy, and eventually save up for a deposit for a house you can afford – then the growth in value of your first house helps you gradually get a bigger house one day.”</p><p>But he was unmoved. “No, the message on TikTok is clear – I won’t ever be able to afford it.”</p></div><div class="GJua6"></div><div class="Hy4HP z5wPE" data-testid="body-content"><p>He’s not going to get financial advice until much later in life – does that mean he doesn’t deserve to learn? But where can he learn? His school doesn’t teach it, financial advisers don’t teach it, and mum and dad aren’t exactly ‘cool and current’ in his eyes.</p><div class="J-2pM ZfcXI iQkQu noPrint"><span class="wekbt JWiCP tcU5i"><span class="EaK8B"></span><span class="q4Eba">Loading</span></span></div><p>It’s not just TikTok. On Facebook, retirement finance groups are popping up everywhere. However, look a little closer and transparency is lacking. These groups invite consumers to post their personal financial situations, sparking a flood of comments from members and “expert” financial advisers – some of whom may be there purely for lead generation, possibly even paying for access to the community without disclosure. And the other commenters certainly aren’t qualified to offer advice.</p><p>How would consumers know? They’re left to sift through a confusing mix of opinions, unsure whom to trust. Many end up reaching out to one of these advisers lurking in the groups, which is concerning. </p><p>I run a <a href="https://www.facebook.com/groups/epicretire" rel="noopener" target="_blank">large retirement group</a> on Facebook myself, and, full disclosure, I also recently published a self-help book on retirement. In my group, we’ve learnt the only way to keep it clean and safe is to ban personal financial advice conversations entirely. Other groups are taking a different, riskier path. Regulators and perhaps even the industry body, it appears, aren’t watching at all.</p></div><div class="GJua6"></div><div class="Hy4HP z5wPE" data-testid="body-content"><p>Whether there’s a vested interest involved or not, that’s for the industry to regulate – if they’re concerned. But one thing the FAAA and I agree on is that what’s missing is the ability for everyday Australians to recognise these influencers and call them out in their own heads and decide what right is – something commonly referred to as “self-help”.</p><p>If we truly want to help Australians build financial security and financial confidence, we need to address these hidden biases and start closing the education gap now. But perhaps for different reasons that the FAAA is calling out – it’s not so everyone lines up for advice every year.</p><figure class="_72JXS _0SAJQ mSNnk Wnq-J" data-testid="image"><div aria-label="enlarge image" class="-IWVI" role="button" tabindex="0"><picture class=""><source media="(min-width: 1024px)" srcSet="https://static.ffx.io/images/$zoom_0.138%2C$multiply_0.9788%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/77423e96ebe150396de81d9119e8d7bf938ac396, https://static.ffx.io/images/$zoom_0.138%2C$multiply_1.9577%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/77423e96ebe150396de81d9119e8d7bf938ac396 2x" height="494" width="740"/><source media="(min-width: 768px)" srcSet="https://static.ffx.io/images/$zoom_0.138%2C$multiply_1.0159%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/77423e96ebe150396de81d9119e8d7bf938ac396, https://static.ffx.io/images/$zoom_0.138%2C$multiply_2.0317%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/77423e96ebe150396de81d9119e8d7bf938ac396 2x" height="512" width="768"/><img alt="ASIC has warned “finfluencers” – social media influencers, often with large followings, who focus on money matters – about their legal obligations." loading="lazy" src="https://static.ffx.io/images/$zoom_0.138%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/77423e96ebe150396de81d9119e8d7bf938ac396" height="390" width="584" srcSet="https://static.ffx.io/images/$zoom_0.138%2C$multiply_0.7725%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/77423e96ebe150396de81d9119e8d7bf938ac396, https://static.ffx.io/images/$zoom_0.138%2C$multiply_1.545%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/77423e96ebe150396de81d9119e8d7bf938ac396 2x"/></picture></div><figcaption class="qTXWa"><p><span class="_5nQzY">ASIC has warned “finfluencers” – social media influencers, often with large followings, who focus on money matters – about their legal obligations.</span><cite class="Zo2UY"><span class="ALMCC">Credit: </span>Brett Carlsen/Bloomberg</cite></p></figcaption></figure><p>It’s so people understand their choices, can make their own decisions, and get the right types of advice at the right times of life.</p><p>Here’s how I see it: there are three distinct spaces. First, we have financial advisers, who are gradually turning what was once a product-focused industry into a true profession grounded in personalised advice.</p></div><div class="GJua6"></div><div class="Hy4HP z5wPE" data-testid="body-content"><p>Then, there are the finfluencers – individuals profiting by sharing financial opinions or pushing specific products. This is not only illegal at present, but also poorly policed, with abuses happening widely online.</p><p>Finally, we have the almost empty space of true, quality financial education – a space where unbiased information could empower people to make informed decisions, including knowing when to seek advice and when to dig deeper themselves.</p><p>The reality? Finfluencers pose a risk to everyone. But instead of just calling them out, maybe the financial advice industry could learn lessons from them – and step up with quality, entertaining, educational resources for those who can’t afford or don’t need personal advice yet.</p><p>And super funds? With their reach, they could do more than throw a webinar or dump information online; they could bridge the gap by making financial literacy genuinely useful, easy to understand and (dare I say it) interesting.</p><p>It shouldn’t all be about pushing people into the advice queue that’s already full – it should be about giving them the confidence to make smart financial decisions day-to-day.</p></div><div class="GJua6"></div><div class="Hy4HP z5wPE" data-testid="body-content"><p>Let’s make financial education engaging, accessible and genuinely helpful. Because if we’re serious about empowering Australians, we’ve got to make it something they actually want to learn.</p><p><strong>Bec Wilson is the author of bestseller <em>How to Have an Epic Retirement</em>. She writes a weekly newsletter at <a href="http://www.epicretirement.net/" rel="noopener" target="_blank">epicretirement.net</a> and is host of the <em><a href="https://omny.fm/shows/prime-timewithbecwilson" rel="noopener" target="_blank">Prime Time</a></em> podcast.</strong></p><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers’ decisions about investing or financial products. 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products</a></li><li><a class="GXm2I" href="/topic/investment-banking-hui">Investment banking</a></li><li><a class="GXm2I" href="/topic/social-media-621">Social media</a></li><li><a class="GXm2I" href="/topic/facebook-5wz">Facebook</a></li><li><a class="GXm2I" href="/topic/tiktok-1nmx">TikTok</a></li></ul></div></div></section><div class="mkt-h"><div class="WP9mq" hidden=""><div class="ezO-K"><a class="eijbZ" title="Articles by Bec Wilson" href="/by/bec-wilson-p536ww">Bec Wilson</a> is the author of How To Have An Epic Retirement and writes a weekly newsletter for pre- and post-retirees at epicretirement.net.</div></div></div><div class="noPrint"><section aria-busy="true" aria-live="polite" class="juJvv s37lK" style="height:380px"><header class="_3cd7R"><h2 class="_3cd7R">Most Viewed in Money</h2></header><div class="dHkfv"><span class="wekbt JWiCP tcU5i"><span class="EaK8B"></span><span class="q4Eba">Loading</span></span></div></section></div></div></div><aside class="zrxjl 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& retirement\"],\"categoryId\":38,\"asset\":{\"about\":\"Financial education is dry and overly complex, so why aren\\u2019t we investing in self-help financial education that\\u2019s engaging, accessible and genuinely useful?\",\"allowComments\":false,\"body\":\"<p>The Financial Advice Association of Australia (FAAA) has launched a digital campaign targeting \\u201Cfinfluencers\\u201D and urging people to talk to licensed financial advisers instead.</p><p>For those who can afford it and seek advice at the right times, I agree \\u2013 quality advice can be invaluable. But here\\u2019s the reality: financial literacy is low for many Australians, and most people don\\u2019t even know if the advice they\\u2019re getting is truly suited to them.</p><x-placeholder id=\\\"9f32f457bed44b35d97bb96aacf5f62e644eb894\\\"></x-placeholder><p>Add to that the millions of people who simply can\\u2019t access affordable advice, and you\\u2019re left with people either trying to figure things out on their own or, worse, turning to influencer content that might not serve their best interests.</p><p>If we\\u2019re serious about building financial confidence in Australia, we need to look beyond pointing fingers at finfluencers. The real solution is self-help financial education \\u2013 a nearly empty space where people could access unbiased, practical information without the sales pitch.</p><p>Here\\u2019s the catch: the financial advice industry isn\\u2019t set up to champion self-help education. A more financially literate public might not need advice as often, and that reality doesn\\u2019t drive revenue.</p><p>Instead of just criticising finfluencers, we should be learning from their approach \\u2013 asking ourselves why people are turning to them in the first place.</p><x-placeholder id=\\\"e1f71030400cc87246db60de63911ef8bf695804\\\"></x-placeholder><p>Let\\u2019s face it, most available financial education is dry, overly complex or too disconnected from the real-life decisions people need to make. Why aren\\u2019t we investing in self-help financial education that\\u2019s engaging, accessible and genuinely useful?</p><p>We need to fill the information gap with resources that empower Australians to make confident financial choices, not just create a bigger queue for advice services that are already unable to cope with the current levels of enquiry.</p><p>Imagine having programs and resources that people could turn to as life changes, helping them recognise when they need advice and when they don\\u2019t. Most people need advice only at pivotal times, not every year, and the industry can\\u2019t realistically serve everyone one-on-one.</p><p>Filling this gap with engaging education would mean equipping more Australians to make smarter decisions on their own terms, without relying on influencers who might not have their best interests at heart.</p><p>Just the other night, my 16-year-old son floored us at the dinner table. We were discussing how important homeownership can be for a secure retirement, and he suddenly said, \\u201CI\\u2019ll never be able to buy a house.\\u201D</p><p>We stared at him for a moment. \\u201COf course you will!\\u201D we said, almost in unison. \\u201CYou just need to understand how it works \\u2013 get some reliable skills, a job you enjoy, and eventually save up for a deposit for a house you can afford \\u2013 then the growth in value of your first house helps you gradually get a bigger house one day.\\u201D</p><p>But he was unmoved. \\u201CNo, the message on TikTok is clear \\u2013 I won\\u2019t ever be able to afford it.\\u201D</p><p>He\\u2019s not going to get financial advice until much later in life \\u2013 does that mean he doesn\\u2019t deserve to learn? But where can he learn? His school doesn\\u2019t teach it, financial advisers don\\u2019t teach it, and mum and dad aren\\u2019t exactly \\u2018cool and current\\u2019 in his eyes.</p><x-placeholder id=\\\"7c9f2eb272bd650bb5f51f3422c7fe0a8f63ed45\\\"></x-placeholder><p>It\\u2019s not just TikTok. On Facebook, retirement finance groups are popping up everywhere. However, look a little closer and transparency is lacking. These groups invite consumers to post their personal financial situations, sparking a flood of comments from members and \\u201Cexpert\\u201D financial advisers \\u2013 some of whom may be there purely for lead generation, possibly even paying for access to the community without disclosure. And the other commenters certainly aren\\u2019t qualified to offer advice.</p><p>How would consumers know? They\\u2019re left to sift through a confusing mix of opinions, unsure whom to trust. Many end up reaching out to one of these advisers lurking in the groups, which is concerning. </p><p>I run a <x-placeholder id=\\\"acd9906980592a74f19a8da27af1e1cf822c6b0d\\\"></x-placeholder> on Facebook myself, and, full disclosure, I also recently published a self-help book on retirement. In my group, we\\u2019ve learnt the only way to keep it clean and safe is to ban personal financial advice conversations entirely. Other groups are taking a different, riskier path. Regulators and perhaps even the industry body, it appears, aren\\u2019t watching at all.</p><p>Whether there\\u2019s a vested interest involved or not, that\\u2019s for the industry to regulate \\u2013 if they\\u2019re concerned. But one thing the FAAA and I agree on is that what\\u2019s missing is the ability for everyday Australians to recognise these influencers and call them out in their own heads and decide what right is \\u2013 something commonly referred to as \\u201Cself-help\\u201D.</p><p>If we truly want to help Australians build financial security and financial confidence, we need to address these hidden biases and start closing the education gap now. But perhaps for different reasons that the FAAA is calling out \\u2013 it\\u2019s not so everyone lines up for advice every year.</p><x-placeholder id=\\\"8807606d548ee33c93e4b2f064681d1e02a10c12\\\"></x-placeholder><p>It\\u2019s so people understand their choices, can make their own decisions, and get the right types of advice at the right times of life.</p><p>Here\\u2019s how I see it: there are three distinct spaces. First, we have financial advisers, who are gradually turning what was once a product-focused industry into a true profession grounded in personalised advice.</p><p>Then, there are the finfluencers \\u2013 individuals profiting by sharing financial opinions or pushing specific products. This is not only illegal at present, but also poorly policed, with abuses happening widely online.</p><p>Finally, we have the almost empty space of true, quality financial education \\u2013 a space where unbiased information could empower people to make informed decisions, including knowing when to seek advice and when to dig deeper themselves.</p><p>The reality? Finfluencers pose a risk to everyone. But instead of just calling them out, maybe the financial advice industry could learn lessons from them \\u2013 and step up with quality, entertaining, educational resources for those who can\\u2019t afford or don\\u2019t need personal advice yet.</p><p>And super funds? With their reach, they could do more than throw a webinar or dump information online; they could bridge the gap by making financial literacy genuinely useful, easy to understand and (dare I say it) interesting.</p><p>It shouldn\\u2019t all be about pushing people into the advice queue that\\u2019s already full \\u2013 it should be about giving them the confidence to make smart financial decisions day-to-day.</p><p>Let\\u2019s make financial education engaging, accessible and genuinely helpful. Because if we\\u2019re serious about empowering Australians, we\\u2019ve got to make it something they actually want to learn.</p><p><strong>Bec Wilson is the author of bestseller <em>How to Have an Epic Retirement</em>. She writes a weekly newsletter at <x-placeholder id=\\\"c69f6157ab857887f824bba975ef1a078295d69a\\\"></x-placeholder> and is host of the <em><x-placeholder id=\\\"125d6fd0cbde8d124f15905c1f8e1cc8cc140224\\\"></x-placeholder></em> podcast.</strong></p><ul><li><strong>Advice given in this article is general in nature and is not intended to influence readers\\u2019 decisions about investing or financial products. They should always seek their own professional advice that takes into account their own personal circumstances before making financial decisions.</strong></li></ul><p><b><i>Expert tips on how to save, invest and make the most of your money delivered to your inbox every Sunday. <x-placeholder id=\\\"53454c7706cf3bc0f4fcb8662aaa875dc16b886c\\\"></x-placeholder>.</i></b></p>\",\"bodyPlaceholders\":{\"125d6fd0cbde8d124f15905c1f8e1cc8cc140224\":{\"data\":{\"newTab\":true,\"noFollow\":false,\"text\":\"Prime Time\",\"url\":\"https://omny.fm/shows/prime-timewithbecwilson\"},\"type\":\"linkExternal\"},\"53454c7706cf3bc0f4fcb8662aaa875dc16b886c\":{\"data\":{\"id\":\"p5d9o2\",\"newTab\":false,\"noFollow\":false,\"text\":\"Sign up for our Real Money newsletter\"},\"type\":\"linkArticle\"},\"7c9f2eb272bd650bb5f51f3422c7fe0a8f63ed45\":{\"data\":{\"heading\":\"Editor's 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