It starts before investing
The opening chapters deal with bills, emergency cash, high-interest debt and sustainable first amounts. It frames investing as something to start only after the short-term base is stable enough.
Financial literacy guide
Your First Investments
A plain-English 2026 Australian guide for younger first-time investors who want the basics explained before they choose an app, platform, ETF or strategy.
- 2026 edition
- AU Australian context
- Digital guide
- AUD $19 on Gumroad
- General information only
What to expect
A first map, not a hot tip.
The guide is written as a financial literacy starting point for people who have heard that they should invest, but have not had the system explained in a useful order.
It explains the moving parts
The guide walks through shares, ETFs, index funds, compound growth, fees, micro-investing apps, CHESS-sponsored ownership, custodial platforms and why super is already an investment portfolio.
It keeps the boundary clear
It does not recommend a specific platform, product or portfolio. The aim is to help a beginner understand the words, risks and questions before they make decisions or seek personal advice.
Inside the guide
The chapters build from safety to habit.
It is designed to be read front to back first, then used as a reference when comparing platforms or checking whether an investment decision is being rushed.
Foundations first
Emergency buffers, high-interest debt, basic cashflow and the difference between a sustainable first amount and an impressive one.
How investing works
Shares, ETFs, managed funds, returns, volatility, inflation, time horizon and compound growth in plain language.
Platforms and super
Micro-investing, direct investing, platform fees, CHESS-sponsored and custodial ownership, super options, contribution basics and employer checks.
Habits and red flags
Automation, annual reviews, panic selling, social media finance content, crypto caution and investment scam checks.
Product Q&A
Questions before you buy
Quick answers before you open the Gumroad checkout page.
- Is this financial advice?
- No. Your First Investments provides general financial information and education only. It is not personal financial advice, financial product advice, tax advice, legal advice or a recommendation.
- Who is it for?
- It is written for young Australians and other beginners who want a calm first explanation of investing terms, platform questions, risk and basic money foundations.
- Does it tell me what to buy?
- No. It explains concepts such as ETFs, fees, diversification, super and scams so you can ask better questions and seek licensed advice when your situation needs it.
- Does it cover property investing?
- Property is treated as a later, separate decision. This guide focuses on foundational investing, platforms, ETFs, superannuation, habits and scam awareness.
- How do I get the guide?
- Use the Gumroad checkout link on this page. After purchase, Gumroad handles payment and digital file delivery.
Gumroad checkout
Read before the first investment decision.
Your First Investments is built to make the early questions less vague: what to sort out first, what the common terms mean, where fees matter and what red flags to avoid.
AUD $19