How many money apps do you have? Turns out, the perfect number might be two: a budgeting app and an investment tracker.

So, you’re on your own in the Real World, with the full time job and salary to match. You’ve got a decent credit history, you’re paying off your HECS debt and you want to know what else you can do to maximise your finances

You’re even starting to think about saving for retirement and maybe even buying a house one day. But how do you actually do all of that at the same time? Here are some tips for setting yourself up for financial success.

If you want to earn more money, passive income is one of the best ways to do it. Earning money through a job or side hustle is great, but if you can set up a passive income stream that generates money even when you’re not actively working — well, that’s kind of the dream, isn’t it?

Investing isn't as hard (or as risky) as it seems, but it's a lot of information and it does take some time to learn, which turns many people off of it altogether. However, if you've been putting it off and you have a hefty amount of cash savings, consider the problem of inflation.

Where do you see yourself in five years?

Turns out people aren’t great at setting financial goals, according to a recent report from investment firm Morningstar. But that could change if they tapped into their emotions a bit more.

There’s a statistic for everything, especially in investing. Writers and financial experts love to pick out minutiae from the markets and posit that they mean something BIG and EXPLOSIVE about the state of the economy — and now that you know it too, you have some sort of investing edge. (If you were paying attention to all of these posts, about a million different indicators flashed that a recession was “imminent” in the past few years, and, well.) If you want, you can get market information down to the second.

A diversified portfolio is one of the keys to a successful long-term investment strategy. But can your assets ever be too diversified?

Ask a financial professional when the “best” time to invest is, and they’ll tell you: Yesterday. Assuming you didn’t start yesterday, the next best answer is today.

To form habits, financial or otherwise, you have to put in the work. Often that means making small changes or tweaks consistently over a long period of time. Days, weeks, months, years — if you really want to change your behaviour, you have to commit yourself to something for a long time.

John C. Bogle, founder of the Vanguard Group and creator of the index mutual fund for individual investors, died last week. He was 89.

If you’re like the average human being, you’re already losing a bit of steam on your New Year’s resolutions. Rather than fret over all of the ways you’re not measuring up, though, cross an easy one off of your list, and invest a little extra money.

Well, friends, another year has come and gone. In that time, we’ve talked about goals, visualized the difference between a million and billion, discovered new travel hacks and been reminded, repeatedly, that we need to cut down on all of the fees we’re all paying.

Money mistakes are a dime a dozen. Except, you know, they end up costing us a bit more than that.

Unless humans transform the economy in such a way that has “no documented historic precedent”, the earth will experience “worsening food shortages and wildfires, and a mass die-off of coral reefs as soon as 2040,” according to a report published Monday by the United Nation’s Intergovernmental Panel on Climate Change.

And with a government hostile to any sort of climate change initiative, individuals are wondering what they can possibly do to help the planet.

One of the complications of saving for retirement via investment vehicles is that it takes so long to reach a point where it seems like the market is actually working for you.

Read one article about personal finance and you know that compound interest is one of the most important reasons to start saving and investing early. Well, in theory. You’ve heard that if you start investing in your 20s, you’ll have a bajillion dollars more than you will if you start in your 30s. Or something like that.

The stock market just hit the longest bull run in its history, and that has people spooked.

The current bull market’s longevity has people worried. It all has to end some time, and some economists are predicting a recession by the end of 2020. Assuming that holds true, that gives you around two years to get your finances in order. What should you be prioritising?