My teenager is about to turn 18 and I am thinking of what I wish I had of known at her age to set her on the path to financial independence. Where to start?

she has a trust account with $5,000 shares to transfer to her what platform would you recommend? (I have Pearler but find it clunky)

She will take a gap year off uni and work so will have a super account for the first time. So will suggest she sacrifices $1000 into her fund to get the govt co-contribution scheme, seems a no-brainer in these early working years 🤷🏻‍♀️

Do you know if this $1000 in super can then be used for her FHSS?

I will match her savings for the first year so if she invests $100 a week I will deposit the same in the hope that at the end of year 1 she will have $15,000 in shares. Anyone know how much she could have at 25 if she continued investing $100 a week from year 2 (so 7 years times)? I want her to be courage her to keep this goal and not spend this asset on a trip to Europe!

Any other ideas for what you would do at 18 if you could do it again?

Thanks 🤩

Posted Sep 13, 2025, 10:57 PM UTC

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