Financial adviser Alex Luck (Everest Wealth) explains why cashflow is the most overlooked lever in personal finance, how most people miscalculate what they actually save, and the simple systems that can unlock hundreds more per month to invest.

In this episode:

0:00 Why cashflow is the foundation of every financial plan

4:45 The truth about what people think they save vs reality

11:40 The bucket system: a simple way to manage spending

18:20 Setting up accounts for couples and avoiding money arguments

24:25 Why improving cashflow can bring financial goals forward years

27:23 Tax optimisation: salary packaging, novated leases & common mistakes

36:43 Super, trusts and structuring your investments properly

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