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Financial independence is often portrayed as a finish line — a moment when you no longer need to work, worry, or compromise. But in reality, it’s not a single destination. It’s a series of intentional steps that build confidence, security, and choice over time. For women navigating career transitions, caregiving roles, or midlife planning, financial independence is not just possible — it’s strategic.

With the end of the year just two months away, the holiday season is fast approaching — bringing joy, connection, and often, financial pressure. Australians are expected to spend nearly $800 each on gifts, travel, and celebrations this Christmas. Yet ASIC’s Moneysmart research shows that while most people set a budget, nearly half regret their spending afterwards. At Prosper Financial Planning, we believe generosity should never come at the cost of financial stress.

Economic abuse is a form of control that strips away a person’s financial autonomy, often quietly and insidiously. It can involve restricting access to money, sabotaging employment, or coercing financial decisions — and it disproportionately affects women. According to the Australian Institute of Health and Welfare, 2.3% of women have experienced economic abuse in the past 12 months, with many more facing long-term financial consequences.

As the financial year draws to a close, it’s the perfect time to pause and take stock of your financial wellbeing. Whether you're building wealth, managing family finances, or preparing for retirement, a midyear financial health check helps you stay aligned with your goals and adapt to changing conditions. This year’s review is especially important, with updates to superannuation rules, insurance trends, and cost-of-living pressures shaping the financial landscape for women a