There is a quiet pattern shaping modern financial life. It is not driven by bold decisions or grand strategies, but by something far more subtle: drift. Most people are not actively choosing their financial future. They are inheriting it.
Their superannuation sits in a default fund chosen years ago that is rarely reviewed, quietly compounding in the background. Their mortgage rolls on, often at a rate set in a different interest-rate environment. Their savings remain parked where they first opened an account.
