Here’s a potential title and content for your video to help it rank better, along with some suggestions for making it more engaging:

Content Overview:

    Introduction (0:00 - 0:30):
        Briefly introduce yourself and the topic. State the importance of personal finance for Australians.
        Use a hook to grab viewers' attention (e.g., "Are you tired of living paycheck to paycheck? Let’s change that!").

    Tip #1: Budgeting Basics (0:30 - 2:00):
        Discuss the significance of budgeting.
        Share practical tips on how to create and stick to a budget.

    Tip #2: Saving Strategies (2:00 - 4:00):
        Highlight effective saving strategies, like setting up automatic transfers to a savings account.
        Mention any tools or apps that can help.

    Tip #3: Investing Wisely (4:00 - 6:00):
        Introduce the concept of investing and its long-term benefits.
        Suggest beginner-friendly investment options.

    Tip #4: Reducing Debt (6:00 - 8:00):
        Provide strategies for reducing debt, such as the snowball method.
        Discuss the importance of credit scores.

    Tip #5: Planning for Retirement (8:00 - 10:00):
        Talk about the importance of early retirement planning.
        Encourage viewers to explore superannuation options.

    Conclusion and Call to Action (10:00 - 10:30):
        Summarize the key points.
        Encourage viewers to like, subscribe, and comment with their own tips or questions.

Suggestions for Engagement:

    Visual Elements: Add engaging graphics or info graphics that illustrate key points. Use text overlays for important statistics or quotes.
    B-roll Footage: Include relevant stock footage or b-roll that complements your talking points, making the video visually appealing.
    Interactive Elements: Ask viewers questions throughout the video (e.g., "What’s your biggest financial challenge? Let me know in the comments!").
    Personal Anecdotes: Share personal stories or experiences related to the tips to create a connection with your audience.
    Sound Effects and Music: Incorporate light background music and sound effects to enhance the mood without overwhelming the content.
    Thumbnails: Design eye-catching thumbnails with clear text that summarizes the video content.

Feel free to adjust the title and content outline as needed, and I recommend testing different thumbnails and descriptions to see what resonates best with your audience!