Julia is 37 but has the superannuation balance of a 60-year-old. She owns multiple properties (buying her first at 21), a caravan, two boats, three university degrees, and she’s travelled to Europe over 20 times. Coming from a migrant family where money was openly discussed, she developed strong financial habits early — and has been salary-sacrificing since age 15. Her advice, although she acknowledges it may be controversial, is to avoid having children and getting married. SBS INSIGHT | Watch

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