What would it take to make generosity an everyday habit? That’s the question at the heart of episode 15 of The Giving Habit podcast, host Stephen Keys speaks with Fiona Higgins, Specialist Adviser at Australian Philanthropic Services (APS), about how structured giving works in Australia and turning the desire to contribute into a practical, purposeful approach to giving.

Why you shouldn’t wait to start giving

You don’t need to be wealthy to be philanthropic. The conversation challenges the misconception that philanthropy is reserved for the ultra-wealthy, highlighting that impactful giving can begin at any stage of life and at any level of wealth.  As Fiona puts it, there are opportunities “in every single day of your life” to give something. Now is the right time to start giving. Waiting until you feel “rich enough” often means delaying opportunities to create impact and learn what matters most to you. Fiona encourages people to start where they are and gives a reminder that philanthropy is a journey that evolves over time.

Through the APS Foundation, individuals can begin giving sooner, make meaningful contributions from the outset and develop their philanthropic approach as their confidence, capacity and aspirations grow.

Is philanthropy only about money?

No. Your time, skills and connections can be just as meaningful as your money.

How are younger Australians getting involved?

Many are starting earlier through collective giving, pooling donations with others to achieve greater impact. Community foundations also offer a simple way to support local action.

How do values drive giving decisions?

Effective philanthropy begins with identifying the causes and outcomes that matter most. A core part of APS’s approach is helping givers identify their values, define their impact goals, and connect with organisations that align with their philanthropic priorities.

How can you get involved in giving?

• Give every day: look for small chances to donate, volunteer or help someone.
• Lead with your values: focus on a few causes that matter most to you.
• Involve your family: giving can bring generations together as a shared learning practice.
• Join a collective: team up with others through collective giving or a community foundation.
• Consider structured giving: if you have the means, a giving fund lets you give strategically over the long term.
• Get support: research charities and seek advice to understand your impact.

Where can you get help with structured giving?

APS is an independent, not-for-profit organisation that simplifies structured giving, supports thoughtful decisions and helps families involve the next generation. APS clients donated more than $250 million to charity last financial year. Our mission is to grow giving for good in Australia.