I'm a 28-year-old mum with a net worth of $770,000 - and I discovered the secrets to building wealth

A 'financially responsible' mum has revealed the three simple, low-maintenance money-saving methods for building wealth with minimal effort. Queenie Tan, 28, and her fiancé Pablo Bizzini, 32, have found different ways to build their fortune and grow their assets in hopes of securing their financial future.

The couple, who own an apartment in Sydney, share a combined net worth of $770,000 as they currently have investments in the stock and crypto markets. Queenie, a licensed personal finance content creator, said building wealth doesn't have to be 'complicated' or 'time consuming'.

'These are the three low maintenance ways I save money. They are simple habits that have helped me keep more money in my pocket without much effort,' the mum-of-one said in an Instagram post. The first thing she did was put the couple's emergency fund into their offset account.

'I can't believe we didn't do this earlier,' she said. 'If you have a $500,000 mortgage, with a six per cent interest rate over 30 years and $50,000 in emergency savings just chilling in an offset account, you can pay off your mortgage five years faster and save $194,934 interest.'.

'Financially responsible' mum Queenie Tan (pictured with her baby daughter Gia) has revealed the three 'low maintenance' methods she swears by for saving money with minimal effort. An offset account is an everyday bank account that's linked to your home loan. You can deposit your salary and savings into the account, and the balance then reduces the interest you pay on your home loan.

The finance expert said she and her fiancé earn extra cash by selling unused items around their home on Facebook Marketplace. 'Last year, Pablo and I made $6,011 by selling items we don't use anymore,' she said. 'We sold things like baby items, furniture when we were moving, camera equipment and a done Pablo didn't use anymore.'.

Queenie said she has set up a system where a portion of her income is automatically invested every four weeks, eliminating the need to it manually. 'Each month 20 per cent of my pay gets invested automatically into EFTs,' she said. Exchange-Traded Funds (EFTs) are a type of investment fund that is traded on a stock exchange, similar to stocks.

'Here's some math: $1,500 invested per month with an eight per cent yearly return turns into more than $110,215 after just five years,' Queenie explained. The 28-year-old and her fiancé Pablo Bizzini, 32, have found different ways to build their fortune and grow their assets in hopes of securing their financial future.

Queenie, a licensed personal finance content creator, said building wealth doesn't have to be 'complicated' or 'time consuming'. 1. Put emergency fund in an offset account. 2. Automating investments. 3. Sell items on Facebook Marketplace. The couple have already set up an investment account for their baby daughter Gia under their family trust.

On the day she was born in March 2024, Queenie invested $1,000. The parents will continue to invest $1,000 every year on her birthday. Any cash gifts from friends and family will also be invested. By the time Gia turns 18, she will have $41,000 in her account.

If she chooses to leave the money invested, the amount will roughly double every decade due to compound interest, making Gia $1.8million richer by the time she's 65. 'Investing is a great way to ensure our money is worth more over time rather than eaten away by inflation - and the rising cost of living,' Queenie previously told FEMAIL.

'That's why I've started investing for Gia so she has a head start when she's a young adult.'. Queenie pointed out that living in Australia is expensive, especially with the rising cost of living and housing market. Putting money away for her daughter will hopefully give her a leg up on other assets later in life, such as higher education or a home loan.