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accelerate allocation asset-based fees asset allocation Australia Australian superannuation behaviour black swans blogging book books business career risk careers certainty children comfort commission confidence conflicts of interest coronavirus COVID COVID-19 debt repayment decision making decisions decumulation defining wealth diversification efficient markets estate planning ethics Fairhaven Wealth FC fees fiduciary financial advice financial planning FIRE flawcasting forecasting friendship future futurism futurology general goals happiness health independence index funds innovation insurance investing investment Kiwisaver luck managing risks media money optimism overconfidence personal perspective planning podcasts policy prediction predictions presentation priorities probability property property investment regret regulation relationships retirement risk risk and return risk management saving scenario analysis self-insurance Simplicity spending statistics status sunshine the future time trade-offs trust trusts uncertainty unconflicted values video wealth wellness