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Thrive Financial Thrive Financial is all about empowering you to make smart financial decisions, that align with your future plans. Thrive Financial. Creating Financial Freedom.
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A career break can affect more than your pay today. It can also mean fewer super contributions and less time for those s...
16/10/2026

A career break can affect more than your pay today. It can also mean fewer super contributions and less time for those savings to grow.

That doesnโ€™t mean you need to โ€œcatch upโ€ all at once.

Sometimes the best place to start is simply understanding the gap, looking at your cashflow, and exploring what small, realistic steps could help from here.

The earlier you recognise it, the more options you may have.

Taking a career break can leave people wondering whether theyโ€™ve created a gap theyโ€™ll never catch up on.The good news? ...
14/10/2026

Taking a career break can leave people wondering whether theyโ€™ve created a gap theyโ€™ll never catch up on.

The good news? It doesnโ€™t necessarily mean trying to replace everything at once.
A planning conversation might start with your current cashflow, then look at options such as spouse contributions, contribution splitting or gradually increasing contributions over time.

The important part is recognising the impact early and working out what feels realistic from here.

Because the question usually isnโ€™t:
โ€œ๐ป๐‘œ๐‘ค ๐‘‘๐‘œ ๐ผ ๐‘“๐‘–๐‘ฅ ๐‘’๐‘ฃ๐‘’๐‘Ÿ๐‘ฆ๐‘กโ„Ž๐‘–๐‘›๐‘” ๐‘›๐‘œ๐‘ค?โ€
Itโ€™s:
โ€œ๐‘พ๐’‰๐’‚๐’• ๐’„๐’‚๐’ ๐’˜๐’† ๐’”๐’•๐’‚๐’“๐’• ๐’…๐’๐’Š๐’๐’ˆ ๐’‡๐’“๐’๐’Ž ๐’‰๐’†๐’“๐’†?โ€

๐—” ๐Ÿฎ๐Ÿฌ-๐—บ๐—ถ๐—ป๐˜‚๐˜๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—บ๐—ฒ๐—ฒ๐˜๐—ถ๐—ป๐—ด ๐—ฐ๐—ฎ๐—ป ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ ๐—ฎ ๐—น๐—ผ๐˜.It doesnโ€™t need to be complicated. Check whatโ€™s changed, look at whatโ€™s comin...
09/10/2026

๐—” ๐Ÿฎ๐Ÿฌ-๐—บ๐—ถ๐—ป๐˜‚๐˜๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—บ๐—ฒ๐—ฒ๐˜๐—ถ๐—ป๐—ด ๐—ฐ๐—ฎ๐—ป ๐—ฐ๐—ต๐—ฎ๐—ป๐—ด๐—ฒ ๐—ฎ ๐—น๐—ผ๐˜.

It doesnโ€™t need to be complicated. Check whatโ€™s changed, look at whatโ€™s coming up, review one or two goals, and agree on any decisions that need to be made.
The point isnโ€™t to monitor each other.

Itโ€™s to make money decisions together โ€” before they become urgent, stressful or reactive.

A useful money meeting does not need to become a two-hour review of every transaction. Keep it simple. Check what change...
07/10/2026

A useful money meeting does not need to become a two-hour review of every transaction. Keep it simple.

Check what changed since last month, look at upcoming expenses, review progress towards one or two goals and agree on any decision that needs to be made.

Finish by confirming who is doing what.

The purpose is not to monitor each other. It is to stop money decisions being made separately, urgently or only when something has gone wrong.

Put a 20-minute money meeting in the calendar before the next month begins.

You donโ€™t need the same money personality to build a good financial life together.One person might love spreadsheets and...
03/10/2026

You donโ€™t need the same money personality to build a good financial life together.
One person might love spreadsheets and planning.

The other might prefer not to look too closely. One may want to pay down debt quickly, while the other values enjoying more of life now.

The goal isnโ€™t to think exactly the same. Itโ€™s to understand each other, agree on the priorities, and make the big decisions together.

A shared plan can create a lot more clarity, and a lot less tension.

One partner likes spreadsheets. The other avoids looking at the bank account. One wants to pay the mortgage down quickly...
02/10/2026

One partner likes spreadsheets. The other avoids looking at the bank account. One wants to pay the mortgage down quickly. The other wants more room to enjoy life now.

These differences are common and they do not mean a couple is bad with money. Problems usually arise when the differences stay unspoken.

A shared plan creates room for both people to understand the priorities, agree on the trade-offs and know which decisions have already been made together.

๐—ช๐—ต๐—ฎ๐˜ ๐—ถ๐˜€ ๐—ผ๐—ป๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ฑ๐—ฒ๐—ฐ๐—ถ๐˜€๐—ถ๐—ผ๐—ป ๐˜†๐—ผ๐˜‚ ๐—ฎ๐—ป๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฝ๐—ฎ๐—ฟ๐˜๐—ป๐—ฒ๐—ฟ ๐˜€๐—ฒ๐—ฒ ๐—ฑ๐—ถ๐—ณ๐—ณ๐—ฒ๐—ฟ๐—ฒ๐—ป๐˜๐—น๐˜†?

๐ป๐‘Ž๐‘๐‘๐‘ฆ ๐‘๐‘–๐‘Ÿ๐‘กโ„Ž๐‘‘๐‘Ž๐‘ฆ ๐‘ก๐‘œ ๐‘กโ„Ž๐‘’ ๐‘ค๐‘œ๐‘š๐‘Ž๐‘› ๐‘๐‘’โ„Ž๐‘–๐‘›๐‘‘ ๐‘‡โ„Ž๐‘Ÿ๐‘–๐‘ฃ๐‘’, ๐‘œ๐‘ข๐‘Ÿ ๐‘“๐‘’๐‘Ž๐‘Ÿ๐‘™๐‘’๐‘ ๐‘  ๐‘™๐‘’๐‘Ž๐‘‘๐‘’๐‘Ÿ, ๐‘๐‘–๐‘”-๐‘๐‘–๐‘๐‘ก๐‘ข๐‘Ÿ๐‘’ ๐‘กโ„Ž๐‘–๐‘›๐‘˜๐‘’๐‘Ÿ, ๐‘Ž๐‘›๐‘‘ ๐‘กโ„Ž๐‘’ โ„Ž๐‘’๐‘Ž๐‘Ÿ๐‘ก ๐‘œ๐‘“ ๐‘’๐‘ฃ๐‘’๐‘Ÿ๐‘ฆ๐‘กโ„Ž๐‘–๐‘›๐‘” ๐‘ค๐‘’ ๐‘‘๐‘œ. ...
01/10/2026

๐ป๐‘Ž๐‘๐‘๐‘ฆ ๐‘๐‘–๐‘Ÿ๐‘กโ„Ž๐‘‘๐‘Ž๐‘ฆ ๐‘ก๐‘œ ๐‘กโ„Ž๐‘’ ๐‘ค๐‘œ๐‘š๐‘Ž๐‘› ๐‘๐‘’โ„Ž๐‘–๐‘›๐‘‘ ๐‘‡โ„Ž๐‘Ÿ๐‘–๐‘ฃ๐‘’, ๐‘œ๐‘ข๐‘Ÿ ๐‘“๐‘’๐‘Ž๐‘Ÿ๐‘™๐‘’๐‘ ๐‘  ๐‘™๐‘’๐‘Ž๐‘‘๐‘’๐‘Ÿ, ๐‘๐‘–๐‘”-๐‘๐‘–๐‘๐‘ก๐‘ข๐‘Ÿ๐‘’ ๐‘กโ„Ž๐‘–๐‘›๐‘˜๐‘’๐‘Ÿ, ๐‘Ž๐‘›๐‘‘ ๐‘กโ„Ž๐‘’ โ„Ž๐‘’๐‘Ž๐‘Ÿ๐‘ก ๐‘œ๐‘“ ๐‘’๐‘ฃ๐‘’๐‘Ÿ๐‘ฆ๐‘กโ„Ž๐‘–๐‘›๐‘” ๐‘ค๐‘’ ๐‘‘๐‘œ. ๐Ÿ’—

Rachael brings warmth, energy and plenty of personality to every room she walks into. She genuinely cares about helping people feel more confident about their future, and she cares just as deeply about the team beside her.

We hope your birthday is filled with plenty of laughter, good food and a little bit of sparkle. โœจ

Happy birthday, Rach! Rachael Yurko ๐Ÿฅ‚๐ŸŽ‚

๐—š๐—ผ๐—ผ๐—ฑ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ถ๐˜€ ๐—ผ๐—ณ๐˜๐—ฒ๐—ป ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ฏ๐—ฎ๐—น๐—ฎ๐—ป๐—ฐ๐—ฒ, ๐—ป๐—ผ๐˜ ๐—ฒ๐˜…๐˜๐—ฟ๐—ฒ๐—บ๐—ฒ๐˜€.When you have extra money, the answer isnโ€™t always โ€œput it ...
19/09/2026

๐—š๐—ผ๐—ผ๐—ฑ ๐—ณ๐—ถ๐—ป๐—ฎ๐—ป๐—ฐ๐—ถ๐—ฎ๐—น ๐—ฝ๐—น๐—ฎ๐—ป๐—ป๐—ถ๐—ป๐—ด ๐—ถ๐˜€ ๐—ผ๐—ณ๐˜๐—ฒ๐—ป ๐—ฎ๐—ฏ๐—ผ๐˜‚๐˜ ๐—ฏ๐—ฎ๐—น๐—ฎ๐—ป๐—ฐ๐—ฒ, ๐—ป๐—ผ๐˜ ๐—ฒ๐˜…๐˜๐—ฟ๐—ฒ๐—บ๐—ฒ๐˜€.

When you have extra money, the answer isnโ€™t always โ€œput it all on the mortgageโ€ or โ€œput it all into super.โ€

The better question is how each option fits with your bigger picture, your debt, cash flow, tax position, future goals and how much flexibility you want along the way.

Sometimes the strongest strategy is finding the right mix between reducing debt today and building wealth for tomorrow.

There is no universal answer to whether extra money should go to super or the mortgage. Mortgage repayments can reduce i...
17/09/2026

There is no universal answer to whether extra money should go to super or the mortgage.

Mortgage repayments can reduce interest and improve flexibility. Super contributions may provide tax advantages and long-term compounding, but the money is generally preserved until a condition of release is met.

The right balance depends on your age, income, contribution limits, debt rate, emergency savings and how important access to the money is.

Often, the strongest answer is not all one or all the other.

Which matters more to you right now: flexibility, tax efficiency or becoming debt-free sooner?

๐‘จ ๐’๐’Š๐’•๐’•๐’๐’† ๐’๐’๐’๐’Œ ๐’Š๐’๐’”๐’Š๐’…๐’† ๐‘ป๐’‰๐’“๐’Š๐’—๐’† ๐Ÿ’™ Our team recently hit a goal weโ€™d been working towards together, so we celebrated with a w...
12/09/2026

๐‘จ ๐’๐’Š๐’•๐’•๐’๐’† ๐’๐’๐’๐’Œ ๐’Š๐’๐’”๐’Š๐’…๐’† ๐‘ป๐’‰๐’“๐’Š๐’—๐’† ๐Ÿ’™

Our team recently hit a goal weโ€™d been working towards together, so we celebrated with a well-earned wellness day.

For our Australian team, that meant a spa day. For our Philippines team, a spa day followed by dinner together.

Iโ€™m a big believer that when the team puts in the work, we should also make time to stop, celebrate and enjoy what weโ€™ve achieved.

Different countries, same team, same goal and a really fun week all round.

Address

M3-89 The Wharf Mooloolaba, 123 Parkyn Parade
Sunshine Coast, QLD
4557

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 1pm

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