Financial Counselling Victoria strongly supports the development of a National Prevention Investment Framework and advocates for financial counselling as a high-value, evidence-based prevention service. The submission highlights the escalating cost-of-living crisis and the growing demand for financial counselling, citing a 179% increase in calls to the National Debt Helpline in Victoria. FCVic presents financial counselling as a cost-effective intervention that delivers significant economic and social returns, and urges the Commission to engage with upcoming research funded by Consumer Affairs Victoria. The submission calls for financial counselling to be embedded in prevention planning and for governance structures that ensure transparent return-on-investment assessments.