Having kids can reshape almost every part of a financial plan, from income and borrowing capacity to childcare, super and the possibility of future school fees. Financial adviser Matt Ingram (Northhaven Financial Management) joins Bryce and Alec to unpack how planning ahead can preserve flexibility, why returning to work isn’t always a simple financial calculation, and the decisions worth thinking about well before kids arrive.

In this episode:

00:00 Introduction

04:03 Preparing for Income Changes

08:15 Avoiding Lifestyle Creep

10:37 Financial Planning Before Kids

14:09 Maximising Parental Leave

17:56 The True Cost of Childcare

23:01 Public vs Private School

26:13 Funding Private School Fees

29:41 Are Investment Bonds Worth It?

32:03 Closing the Superannuation Gap

34:04 Plan Ahead for Life Changes

If you would like to speak to Matt or any of his team head to equitymates.com/advice and we will put you in touch.

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This podcast is intended for education and entertainment purposes only. Any advice is general advice and has not taken into account your personal financial circumstances. Before acting on general advice, you should consider if it is relevant to your needs. If unsure, speak to a financial professional. The host of this podcast and their guests may have positions in the companies mentioned. Equity Mates Media is part of the Betashares Group but maintains editorial independence and operates under Australian Financial Services licence 540697.

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How your financial plan changes as life changes with Matt Ingram

Equity Mates Investing Podcast

How your financial plan changes as life changes with Matt Ingram