![Joanna Jablonka, 25, and partner Olivier Lokolomba, 30, are trying to save for a property portfolio and a business.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/n/c/6/4/4/image.related.wideLandscape.460x259.gn9b4t.png/1457425888010.jpg)
Planning
![Joanna Jablonka, 25, and partner Olivier Lokolomba, 30, are trying to save for a property portfolio and a business.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/n/c/6/4/4/image.related.wideLandscape.460x259.gn9b4t.png/1457425888010.jpg)
How to pay for a tertiary education
![A university education can be expensive, but you can plan for it.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/k/b/d/x/image.related.landscape.120x80.gn6r4f.png/1456748506511.jpg)
Finishing a degree can cost tens of thousands of dollars and leave you with a student loan that you'll spend a lifetime repaying
Early retirement? You're dreamin'
![Many Australians would love to finish work in their 50s, but reality is that they will have to keep going well into ...](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/1/4/2/y/x/v/image.related.landscape.120x80.gn3hph.png/1456884653470.jpg)
More Australians want to retire early than just about any other nationality, but we are also less likely to afford it.
How do I recover a family loan in a divorce
![Family loans can become problematic in the case of divorce.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/n/b/r/1/image.related.landscape.120x80.gn3b6n.png/1458951721323.jpg)
A reader asks how she can recover a housing loan to her daughter, now that divorce is on the cards and her soon to be former son-in-law is claiming it is a gift.
Ripping off Granny and Grandpa
![Difficulty paying bills and social withdrawal can be signs that an older person is being abused financially.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/x/k/1/3/image.related.landscape.120x80.gmwwhz.png/1456273434865.jpg)
"Inheritance impatience" is one of the drivers of elder financial abuse. At its ugliest it can see people cross the line into criminal behaviour.
Sharks, crocs, mozzies and money
![There are 1000 deaths a year from crocodiles.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/1/3/q/k/image.related.landscape.120x80.gmwxa6.png/1455761040087.jpg)
Humans are poor at assessing danger and it's the same with our investments.
Capital gain changes are more taxing than negative gearing
![Good after-tax returns are far more important than lower tax bills.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/i/x/w/c/4/image.related.landscape.120x80.gmwxc6.png/1455712234456.jpg)
The ongoing tax reform debate has created new difficulties for making medium and long term investment decisions.
Valentine's Day advice for newly engaged
![Many couples will get engaged this Valentines Day.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/t/0/e/b/image.related.landscape.120x80.gmt0m3.png/1455272351212.jpg)
It's Valentines Day on Sunday and if it's like any other year, hundreds of couples will get engaged.
What to do with an inheritance
![Maintain your home in case you need to sell it to fund aged care.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/i/e/l/z/o/image.related.landscape.120x80.gmregu.png/1455161701577.jpg)
George Cochrane answers readers' questions.
A financial roadmap to love's journey
![It's important for couples to work towards shared goals.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/p/e/0/a/image.related.landscape.120x80.gmr87v.png/1455318010989.jpg)
It's Valentine's Day, so let's talk about love and money.
Lessons from bankruptcy
![Julie Ann Cairns went to the brink of bankruptcy.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/o/v/m/o/image.related.landscape.120x80.gmovqy.png/1455855632491.jpg)
Thousands of Australians go bankrupt every year, and it's a life-changing experience for many.
Get rich by talking about yourself in the third person
![Cleveland Cavaliers forward LeBron James raised eyebrows when he referred to himself in third person.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/l/s/w/w/image.related.landscape.120x80.gmlt7m.png/1460714419695.jpg)
Talking to yourself in the third person can help you make better financial decisions.
The rundown on annuities
![Illustration: Michael Mucci](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/m/o/v/0/image.related.landscape.120x80.gml31o.png/1455023687192.jpg)
Noel Whittaker answers a reader's question about how annuities work.
Defensive strategy for investors
![Illustration: Michael Mucci](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/g/z/7/9/image.related.landscape.120x80.gmefw7.png/1454499314289.jpg)
Noel Whittaker answers a reader's question about whether to opt for a lower-risk option for superannuation to ride out the volatile times.
Residential aged care for pensioners
![The government funds aged care for elderly people with low means.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/l/y/t/r/u/image.related.landscape.120x80.gmg0ae.png/1457246972910.jpg)
The government will subsidise aged care for elderly people with low means.
Investing in volatile times
![To deal with market volatility, you must understand what's within your control and what's not.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/7/6/1/9/image.related.landscape.120x80.gmfxey.png/1453952531183.jpg)
Here we go again. Another year, another series of stories about world markets, Chinese economic growth and the ASX.
Back to school, but at a price
![Marcelle Gomez and her husband Christian are saving so they have options when 15-month-old Cruz hits high school.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/f/p/x/o/image.related.landscape.120x80.gmfmzk.png/1453942913092.jpg)
Education costs are rising faster than inflation, so if you want choices about schools for your children, you need to plan ahead.
How to optimise super in your 60s
![Couples need to do their retirement planning together.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/1/3/z/d/d/t/image.related.landscape.120x80.gmeb77.png/1454043938010.jpg)
Buying property for a SMSF is questionable when people are close to retirement age.
Financial advisers say new standards could push thousands out
![Financial planners must have a degree or equivalent by 2019 under draft federal legislation.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/z/w/5/k/c/image.related.landscape.120x80.gmcrvl.png/1453606416213.jpg)
Thousands of financial advisers might quit the industry if the government pushes ahead with plans to make advisers hold degree-equivalent qualifications in three years, an industry group says.
What are you prepared to suffer for?
![If you're not prepared to suffer for a goal, it's not worth it to you.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/h/5/p/s/0/image.related.landscape.120x80.gmbot0.png/1453424230729.jpg)
Are we destined not to change or can we salvage our goals made for 2016? The short answer is yes and no.
'I'm 60, divorced and I lost my job – help!'
![<P>](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/a/t/r/j/image.related.landscape.120x80.gma1yb.png/1453344501451.jpg)
Personal finance expert Noel Whittaker answers readers' questions.
Residential aged care: how can I afford it?
![People must decide whether to keep their home or sell it when they move into residential aged care.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/g/v/o/1/c/image.related.landscape.120x80.gma4n6.png/1453321026177.jpg)
A guide to the different options of residential aged care and what you can expect to pay.
What The Big Short movie can teach ordinary people
![Margot Robbie explaining CDOs in The Big Short.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/5/s/k/y/image.related.landscape.120x80.gm7ufu.png/1453701468129.jpg)
It's exciting watching the traders short the US mortgage market before the global financial crisis, but it's not something the rest of us can emulate.
Should you keep your investment property or reduce debt?
![Illustration: Michael Mucci](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/5/w/d/w/image.related.landscape.120x80.gm4s1o.png/1453190488313.jpg)
Noel Whittaker answers readers' questions.
How to have a conversation with loved ones about aged care
![Alison Ridge with her 87-year-old father Barry Ridge in aged care.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/5/w/f/u/image.related.landscape.120x80.gm4qbm.png/1452746524859.jpg)
January is when many families confront the need for aged care, after spending time together over Christmas.
Kickstart 2016 with a financial health check
![The new year is a good time to review your money goals.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/1/5/y/7/image.related.landscape.120x80.gm15ke.png/1452650129997.jpg)
The new year is an opportunity to reset your money management and build prosperity - like electrician Paul Buhagiar who paid down $26,000 of his home loan last year.
How to retire overseas
![James and Evelyn "Copper" Booth have retired to Penang in Malaysia.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/m/0/6/g/z/image.related.landscape.120x80.glt5up.png/1452604827718.jpg)
Leaving the beach gets harder every year. But if you're over 60, maybe you don't have to.
Retirement calculators mislead super fund members
![The online calculators on some super funds' websites are shoddy.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/j/0/h/l/z/image.related.landscape.120x80.gllluk.png/1452814746729.jpg)
Some of the retirement calculators on the websites of the largest super funds are misleading fund members.
Top 10 money mistakes of the middle-aged
![In your 40s and 50s you are more likely to have extra mouths to feed.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/g/l/6/j/9/z/image.related.landscape.120x80.glyr5j.png/1452204262560.jpg)
You're at the height of your career and you probably have a couple of extra mouths to feed. Here are the 10 biggest money mistakes to avoid in your 40s and 50s.
Surviving the Christmas crunch
![Business cash flow can be tricky from December to March.](/web/20160426031629im_/http://www.watoday.com.au/content/dam/images/1/m/m/3/z/j/image.related.landscape.120x80.glodbd.png/1450178399831.jpg)
If you're a business owner, Christmas can be a stressful time where you feel like you are simply holding your breath until you reach the end of the year.