Building Financial Resilience in 2026
As Australians look ahead to 2026, financial resilience has never been more important.
With rising living costs, changing interest rates and ongoing economic uncertainty, building a solid financial foundation can help you stay confident no matter what the year brings.
1. Strengthen Your Cash Flow
A resilient financial plan starts with control over your everyday money. Focus on:
Tracking spending
Reducing unnecessary costs
Automating savings
Maintaining a realistic, flexible spending plan
Even small adjustments can have a big long‑term impact.
2. Build & Maintain an Emergency Buffer
Aim for a savings buffer that covers 3–6 months of essential expenses.
This safety net protects you from unexpected events such as job changes, health issues or sudden bills, and helps you avoid high‑interest debt.
3. Review Your Debt Strategy
With interest rates fluctuating, now is the time to:
Reassess loan structures
Prioritise paying off high‑interest debt
Consider refinancing or consolidating where appropriate
A smarter debt strategy frees up cash flow and increases stability.
4. Grow Long‑Term Wealth Through Consistency
Financial resilience isn’t just about protection, it’s about progress. Regular contributions to superannuation, investments or managed accounts, even small ones, help smooth out market volatility and keep you on track with long‑term goals.
5. Ensure You’re Properly Protected
The unexpected can derail even the best financial plans. Review your:
Income protection
Life and TPD insurance
Trauma cover
Other safety nets that align with your stage of life
Protection = peace of mind.
6. Stay Informed, Not Overwhelmed
Markets rise and fall, and headlines can be dramatic. Financially resilient clients stay focused on:
Long‑term goals
Trusted advice
Regular reviews
Avoid reacting emotionally to short‑term uncertainty.
7. Check In With Your Adviser Regularly
A financial plan isn’t “set and forget.” Your adviser helps you adapt through life changes, economic shifts and new opportunities, so your strategy always reflects your current priorities.
Have more questions? Reach out to our knowledgeable team today.
General Advice Warning
The information in this presentation contains general advice only, that is, advice which does not take into account your needs, objectives or financial situation. You need to consider the appropriateness of that general advice in light of your personal circumstances before acting on the advice. You should obtain and consider the Product Disclosure Statement for any product discussed before making a decision to acquire that product. You should obtain financial advice that addresses your specific needs and situation before making investment decisions. While every care has been taken in the preparation of this information, Infocus Securities Australia Pty Ltd (Infocus) does not guarantee the accuracy or completeness of the information. Infocus does not guarantee any particular outcome or future performance. Infocus is a registered tax (financial) adviser. Any tax advice in this presentation is incidental to the financial advice in it. Taxation information is based on our interpretation of the relevant laws as at 1 July 2020. You should seek specialist advice from a tax professional to confirm the impact of this advice on your overall tax position. Any case studies included are hypothetical, for illustration purposes only and are not based on actual returns.