Life is a journey. When we are born we are helpless. At birth we are dependent on parents and other humans for our survival. Because humans are born ‘unwired’ we have tremendous capacity to learn. We also have capacity to unlearn and then to relearn. If you wish to increase your awareness, you must be willing to undertake self-directed learning. You must also be willing to unlearn prior learning. Often the ideologies that we have adopted in the past will cloud our thinking of today. Too often prior patterns of behavior and developed ideology trumps awareness and reality.

If you are willing to share your journey with us, we will do our best to help improve your financial awareness. This typically starts with broadening your knowledge of our current monetary system, which is not one of free exchange. We operate under an irredeemable currency. This has taken away the ability for people to save in the form of bonds in order to ensure a safe and secure retirement for themselves. Under the current fiat monetary regime the holders of bonds cannot be sure that the wealth they have accumulated will be able to provide them with income throughout retirement. As a retiree has no or only limited ability to re-enter the workforce to rebuild their savings, many retirees will be forced to rely on the 'generosity' of the State through its 'welfare' system.

Our focus is on developing your self-directed learning. We will try not to indoctrinate you with our views, but instead we aim to boost your financial awareness.

Our focus is on helping you to understand the fundamental concepts of wealth accumulation and then wealth decumulation.

We do not provide financial product advice of any sort. If you want financial product advice, you will need to contract with an alternative service provider. Wealth and Income 4U does not hold an Australian financial services licence.