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Often the 'middle' get over-looked when thinking about who needs financial advice. Sure, many 'middle class' people are in good shape relative to those drowning in short term debt and spiraling out of control - but often this group of people have aspirations to do more, but struggle to get their act together. There could be many reasons for this, but perhaps they simply have not gone through financial puberty yet.

Having a good income does not equate to having wealth - in fact, it's odd but often those with good income 'leak', and fall behind right when it's critical to leap ahead.

Tom Hartmann joins me again in the studio to pick up the conversation we started last week.

If you find yourself financially left behind, have a think about one thing that you could do to turn your ship around. Often a series of not-so-awesome decisions put you into your current position. What could get you out of it could simply be a series of better decisions - there is hope. Perhaps for you simply doing a budget is all you need to do. If so, check out this budgeting tool from Sorted.

Perhaps you've left investing a little too late and assumed that it was something that only really wealthy or smart people do. The wealthy bit will take some time to grow, but perhaps you do need to increase your smarts a little (if you're reading this I think you're doing well already though!).

The great news is no matter where you are, you can make some good decisions today...you can learn something more today...and maybe even start to take action today too. 

Hope you've enjoyed this episode.

What do you think of these shorter episodes? Let me know. If you like them longer, don't worry, next week will be longer I promise!

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Where to find Darcy Ungaro:

Ungaro &Co (registered) financial advisers

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