Don't wait for a trigger to seek financial advice.
A Financial Services Council survey of 2000 New Zealanders shows those who get advice early, save, invest and travel more.
Chief executive Richard Klipin told Mike Hosking they've found, on average, those who seek help are four per cent better off down the track, than those who don't.
He says often people wait for a big event - like a death, marriage or buying a house - to contact an expert.
"It's time to shift the dial, because a well-planned financial life takes care of all of those issues.
"If you're a 25 year-old with around $16,000 in your Kiwisaver, and you add $2500 to it, in the long term you would be $1.5 million better off."