AviWealth · Personal Finance Stack
Immigrant-friendly wealth building requires clarity. This trilogy of pages starts here.1. Cashflow Command Center
- Accounts: Everyday + Bills + Savings + Investing, each tagged in Up/WeMoney.
- Dashboard: Google Sheet + Notion sync showing inflow/outflow, buffer, runway.
- Automations: Salary splits auto-transfer on payday; alerts if discretionary exceeds 30% envelope.
2. High-Yield Stack
- High-interest: ING, UBank, or Macquarie saver with bonus qualifications tracked via Shortcut.
- ETFs: DCA into VDHG + IVV (check tax residency). Use Pearler Autoinvest.
- Super: Compare fees, set after-tax contributions, ensure insurance cover appropriate.
3. Insurance Hygiene
- Life, TPD, Income Protection: review annually, note waiting periods.
- Health insurance: extras vs hospital; align with family needs.
- Document policies + claim instructions inside Notion vault accessible to partner.
Resources
- Spreadsheet template + Loom walkthrough.
- n8n flow monitors FX rates + property listings for future purchases.