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’s a piecemeal approach to incremental changes. It’s a great start, but often what’s missing is the structures, systems and strategies that tie everything together.

Just taking money advice piece by piece won’t get you where you want to be.Credit: Simon Letch

Do you have a clear financial strategy? That means having a clear destination (where are you going) and a plan (how are you getting there). Without this, there’s a higher probability of making random decisions that........

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