Financial Fitness Academy®
Start your Financial Fitness journey
A practical way to understand money, make better decisions, and build a stronger future for yourself and your family.
Explore the frameworkAbout the Academy
What Financial Fitness really means
Financial fitness is not about being wealthy overnight. It is about understanding your money, taking control of your choices, and building habits that support the life you want.
The Financial Fitness Academy helps people do that through a simple framework that makes money easier to understand and easier to manage. It brings together the most important parts of financial wellbeing into one connected journey.
The academy focuses on equipping you with practical knowledge, tools, and strategies to make informed financial decisions and build long-term financial security.
Five connected areas
One journey across every part of your money life.
One simple framework
A practical structure for every decision you make.
Plain language
Money explained clearly, without the jargon.
The Financial Fitness Framework
A simple framework for real life
The Financial Fitness Framework helps people make sense of money through five connected areas: Create & Build, Live & Enjoy, Save & Invest, Share & Legacy, and Plan & Protect. Together they give you a practical structure for making everyday decisions, planning ahead, protecting what matters, and building towards long-term financial wellbeing.
Create & Build
How you make money and set yourself up for success. Understand how you earn and build the foundations for financial confidence.
Save & Invest
How you save and invest to achieve short-term goals and long-term value creation.
Live & Enjoy
How you spend your money and maintain your chosen lifestyle. Spend wisely, budget well, and manage your lifestyle responsibly.
Share & Legacy
How you use your resources to make a difference and leave a legacy for future generations.
Plan & Protect
How to plan wisely and protect yourself, your family and your assets. Plan & Protect wraps around everything: it is the ring that keeps the other four areas safe.
Life Stages
The framework travels with you
The five areas stay the same, but where you focus shifts as life changes. Wherever you are, the academy meets you there.
Starting out
First salary, first budget. Focus on Create & Build and Live & Enjoy: earning well, spending with intention, and starting the savings habit.
Building a family
More people depend on you. Plan & Protect steps forward: cover for the people you love, and a plan for the unexpected.
Growing your wealth
Your earning years. Save & Invest leads: short-term goals, long-term value creation, and making your money work as hard as you do.
Sharing what you built
Retirement and beyond. Share & Legacy comes into focus: giving purpose to what you have built and leaving a legacy for the next generation.
Events
Learn together, wherever you are
The academy comes to life through sessions built around the framework. The full events calendar is on its way; these are the formats to look out for.
Webinars
Short online sessions on one framework area at a time, with time for your questions.
Workplace sessions
Financial fitness brought to your team, arranged with your employer.
Community workshops
In-person sessions that make the framework practical for everyday life.
How financially fit are you?
Start with a conversation. Ask Etuna, our virtual assistant, anything about the framework and your money, at any time of the day.
Looking for something specific?
Speak to a Liberty adviser, or go straight to the forms, products and insights you need.