Let’s get real for a second.
 

We live in a time where you can learn anything. Want to fix your dishwasher? YouTube’s got you. Want to learn how to retire early, invest in crypto, and pay zero tax? There’s a bloke on TikTok explaining it in a singlet and aviators from his Lambo.
 

Yet somehow—with all this access to information—financial planning has never felt more overwhelming.

You’re not imagining it. The problem isn’t a lack of info. The problem is too much, and most of it is useless for your situation.
 

Here’s the trap most smart, high-earning tech professionals fall into: they confuse noise for strategy.

And today, I want to help you avoid that.
 

Because most financial planning advice? It’s like trying to find relationship advice on Reddit. Loud opinions. Low success rates.

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The wrong approach (aka what nearly everyone in tech does)
 

Let’s say your RSUs are vesting. You’ve got a good salary. The market’s jittery, your taxes are brutal, and you’re still not sure what you’re working toward. So you do what feels productive: research.
 

Cue the late-night Google spirals and ChatGPT prompts like:

 

• “Best tax-saving tips Australia 2025”

• “Should I sell my RSUs now or wait”

• “How to retire at 45 without selling kidneys”

You’re not lazy. You’re trying. But what you’re doing is collecting tactics without a destination. It’s like buying travel gear before picking where you’re going.
 

And look, I’ve worked with tech clients for over 20 years. You’re not alone. Most people don’t have a clue where they’re heading—they just hope if they keep earning more, it’ll work out.
 

It doesn’t.
 

Step 1: Start with the destination in mind (The GPS Test)

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Imagine you’re headed on a road trip. You jump in the car, crank the playlist, and hit the road... but you didn’t choose where you're going. No Google Maps, no plan, just vibes.
 

That's how most people treat their finances. Driving blind with a full tank.
 

So start here: What do you actually want your life to look like?
 

1. Do you want to stop working at 50 and travel Europe for six months a year?

2. Do you want to launch your own startup in three years?

3. Do you just want to sleep in past 6am without checking Slack?
    

There’s no wrong answer. But without a destination, every detour feels like progress. Spoiler: it’s not.
 

Step 2: Build your roadmap from Point A to Point B

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Now that you’ve got a destination—early retirement, work-optional life, building wealth for your kids—you need a route.
 

This is where most people say, “I have a budget and I invest in ETFs, so I’m good.”
 

Respectfully: nah.
 

A roadmap includes:
 

1. Clarity on your current position (spending, debt, tax drag, asset exposure)

2. Clear milestones (e.g. “sell 30% RSUs in next 6 months and reinvest”)

3. Backup plans (because life throws curveballs: layoffs, babies, pandemics…)

 

If your “plan” can’t handle change, it’s not a plan—it’s a spreadsheet with ambition.

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Step 3: Pick the right vehicle (tactics + tools)

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You wouldn’t drive a scooter across the Outback. Likewise, don’t let TikTok decide your investment strategy.

The right tactics depend on your goals.
 

Maybe it’s:

 

1. Selling RSUs to avoid concentration risk

2. Setting up a family trust to reduce tax drag

3. Buying property inside an SMSF

4. Fixing your cash flow leaks (those subscriptions are adding up)

 

The tools don’t matter unless they get you closer to the life you want. Don’t fall for shiny-object syndrome.
 

And yes, sometimes the answer is boring. But boring works. I’ve seen “boring” outperform “clever” by six figures annually.
 

Step 4: Stay flexible—life will mess with your plans

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Let me break it to you gently: your plan will change.
 

I’ve worked with folks who were dead set on retiring at 45. Then they had twins. Or started a business. Or got bored after three months off and wanted to re-enter the workforce doing something meaningful.
 

That’s normal. That’s life.
 

But your financial strategy should bend without breaking. Adaptability isn’t a nice-to-have—it’s a must.
 

So, what’s the takeaway?

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Financial planning isn’t about finding the perfect tactic or timing the market.
 

It’s about three things:​​​

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1. Knowing what you value

2. Building a plan around that

3. Reviewing and tweaking it as you go

Everything else is noise.

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Let’s make it personal

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If you’re sitting on RSUs and bonuses with no clear strategy, ask yourself:
 

1. What am I actually building here?

2. Is this taking me closer to freedom—or just padding my tax bill?

3. What’s the cost of doing nothing for another year?

If those questions hit a nerve, good. That’s where change starts.

And if you want help? That’s what I do.

My Financial Clarity Meeting is the first step. It’s free. It’s useful. You get a detailed report on your position, and exactly what to do next—whether you hire me or not. I’ve worked with hundreds of tech professionals, and my system is designed to reduce tax, grow wealth, and buy you options.

Real results. Zero fluff.

Let’s build a plan that gives you the freedom to choose how, when, and if you want to work.

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Whenever you're ready, here are a few ways I can help

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1. Listen to my Podcast — real financial strategies for tech pros, no boring jargon.
    

2. The Wealth Byte Newsletter — quick, no-fluff emails twice a month.
    

3. Work 1:1 with me — build a strategic, work-optional financial plan.
    

4. Follow me on LinkedIn — over 3,000 tech pros already do.
    

5. Wealth Bytes - You Tube— bite-sized videos on investing, equity, tax strategies, and building real wealth.