Jul 31, 2025 – 5.00am

Gift this article

Subscribe to gift this article

Gift 5 articles to anyone you choose each month when you subscribe.

Subscribe now

Already a subscriber? Login

Your 20s and even 30s can feel like they rush by in a blur of study, travel and good times. But at some point that devil-may-care attitude toward finances has got to give way to a plan for the future.

For Ashley Bishop, crunch time arrived in 2012. He’d spent much of his 20s shepherding other young people around Europe as a Topdeck tour guide and earning next to nothing.

Loading…