Saturday morning, another auction. You stand on the footpath with a flat white, watching a house you could have bought five years ago go for a figure that makes you feel sick. The rent jumps at lease renewal, HECS indexation lands every June, and the weekly Woolies shop costs more than it used to.
Your mates seem to split into two groups. Some are treading water on a decent salary. Others somehow have an investment property, a fat super balance, a side business, and the calm of people who are not counting days to payday. The gap widens every year, and it mostly comes down to decisions made early and left to compound.
Compounding rewards whoever started first and punishes the one who keeps meaning to. Each year of contribution room left unused is growth you never see.
So start with the money already working for you. Log into your super account and look properly at what your employer has paid in this financial year. That is 12% of your ordinary time earnings, taxed at 15% instead of your marginal rate, and 0% once you reach pension phase after 60. How much of the $30,000 concessional cap is still unused? You can top it up yourself, and the non-concessional cap lets you add another $120,000 a year, or $360,000 with the three-year bring-forward rule. Outside super, the same money buys ASX and global ETFs through Pearler, CommSec or Stake. Putting the structure in place costs between $0 and $5,000, set by how far you go, and takes 6 to 24 months.
Tonight, log in and find your concessional contributions total, so you know exactly how much of the $30,000 is still yours to use.
This guide walks you through what works in 2026. Australia produces remarkable wealth per person: Atlassian's Mike Cannon-Brookes and Scott Farquhar (each ~$20B), Canva's Melanie Perkins ($5B+), the Afterpay founders (sold for ~$39B). With a small population (27M) and concentrated capital markets, your strategy can be clearer than it would be in a larger economy, and your tax planning matters more.
Your super is quietly one of the most powerful things you own. Here is why:
If you are a median full-time earner, you sit in the 30% bracket. Salary-sacrificed contributions are taxed at 15% going into the fund, so each dollar you sacrifice up to the $30K concessional cap saves you the 30 cents of income tax and the 2 cents of Medicare levy you would otherwise have paid, less the 15 cents taken inside super: about 17 cents in the dollar. On the 37% bracket that is about 24 cents, and on the 45% bracket about 32 cents. Division 293 doubles the contributions tax to 30% once your combined income and concessional contributions pass $250,000, which halves the benefit at the top.
When did you last check which fund your super sits in and what it charges you? If you cannot remember, that is your first job this week. For the investing mechanics, ETF Investing and Dividend Investing translate cleanly to the Australian context.
Super is a long game: the 0% phase only arrives after 60. Now that it is working in the background for you, the next pillar is the part of the plan you can reach before then.
Outside the super wrapper, Australia is unusually kind to you as a taxable investor, thanks to the 50% CGT discount (assets held >12 months get only half their capital gain taxed) and franking credits on Australian dividends.
Why lean towards the ASX? Franking credits. A fully franked dividend from a company like CBA or BHP comes with a credit for the 30% corporate tax already paid. If you are on the 19% marginal rate (or in pension phase at 0%), you get a refund. Self-managed super funds in pension phase routinely receive franking credit refunds in the tens of thousands per year.
A broker account with a few low-fee ETFs is where your side income starts to stay put, once your household has its cash reserve. If a $5,000 business month leaves you a surplus after costs and tax, a slice into that reserve turns a broken-down car or a surprise vet bill into a quick transfer, and the rest can go into the ETF holding to compound. Automate both transfers for the day the money lands. If the car died next Tuesday, would you be paying for it from savings or from a card?
Property is close to a religion in Australia. The attachment runs deeper here than in any other country on this list, and the tax structure rewards you for it:
Be honest with yourself: is the investment property you have been eyeing a plan, or a feeling your parents handed you? The numbers above are the ones to test it against.
So far you have been deciding where to put money. From here the question changes to how you earn it in the first place.
Once your business grows past ~$100K profit, an Australian Pty Ltd company opens up:
A discretionary (family) trust on top of a Pty Ltd is the classic Australian small-business structure. It gives you the flexibility to distribute income to family members in lower brackets, asset protection, and a way to plan across generations. Setup costs ~$1,500-$3,000 with a competent accountant.
The Australian ecommerce stack (Shopify (no, but Shopify still loves Australia), Stripe, Afterpay, Klarna, Zip) is mature. Australia Post and Sendle handle your domestic fulfilment; ShipBob and ShipStation handle US fulfilment if you are an Australian seller exporting.
Australian salaries sit around the middle of the OECD pack, yet your living standard can stay very high outside Sydney. The highest-leverage income paths in 2026:
The Australian creator economy has produced surprisingly strong wins for its size: Victoria Devine (She's on the Money), Glen James (My Millennial Money podcast), Bryce Holdaway and Ben Kingsley (Property Couch). The pattern: a deep niche, Australian-specific content, and a podcast first.
Deep niches, local content and a podcast built the names listed above. If your own skill reaches the point where clients pay your full rate and refer their friends, the barbecue conversation changes: people ask you how you priced it and whether you could look over their plan. Pick one niche you could talk about for years. Which topic do your mates already ring you about?
Picture what a higher rate does to an ordinary Aussie week. The rent stops swallowing half the pay. You book the school-holiday trip to Bali without dipping into the emergency fund, and saving for your first home deposit stops feeling like a fantasy.
That is the building side covered. Now comes the part that decides how much of it you keep.
The resident marginal rates that apply to you, and the Medicare levy that sits on top of them, are set out in full in the rate table further down this page. Work from that table: the Stage 3 cuts that took effect on 1 July 2024 abolished the old 19% and 32.5% brackets, and a lot of Australian tax content you will read still quotes them.
The big legal moves open to you:
- Salary sacrifice into super up to the $30K concessional cap
- Hold appreciating assets over 12 months for the 50% CGT discount
- Use franking credits to offset tax on Australian dividends
- Investment property negative gearing if you are a high-income earner (caveat: prices need to grow to make sense)
- First Home Super Saver Scheme: up to $50K of voluntary super contributions can be withdrawn for your first home deposit
- Spousal contributions: contribute up to $3,000 to a low-income spouse's super for a $540 tax offset
- Self-Managed Super Fund (SMSF): control over investment choice once your super balance hits ~$300K+ and you are willing to take on trustee duties
If you earn over $250K, Division 293 tax kicks in: an extra 15% tax on concessional super contributions. Plan for it with a CPA.
2026 Market Snapshot
You are building wealth at the most favourable structural moment Australia has seen in a generation. The RBA's cash rate has dropped from a 4.35% peak to ~3.5% by April 2026, the ASX 200 just delivered an 11% year, and the Stage 3 tax cuts (in force from July 2024) put thousands of dollars a year back into middle-income pockets, possibly yours. The 2026 superannuation guarantee rise to 12% completes a decade-long phase-up of compulsory employer contributions.
| Measure | Figure | Source or note |
|---|
| Australian household wealth | $16.5T AUD | RBA / ABS |
| Total superannuation assets | $4 trillion+ AUD | among the world's largest pension pools relative to GDP |
| Average super balance at 60-64 | $402K men / $318K women | ASFA 2024: well below the comfortable retirement target |
| ASX 200 20-year CAGR | ~9% in AUD with dividends reinvested | |
| Median Sydney house price | $1.5M+; Melbourne $1M+; Brisbane $900K+ | CoreLogic |
| Compulsory super | 12% from July 2025 | locked at that level |
Look at that average balance at 60-64 and then think of your mum or dad. Do you know which side of it they are on? For a lot of families, that one number is the quiet worry nobody says out loud.
Key Players to Watch
- AustralianSuper: largest super fund, $300B+ AUM, indexed options at 0.10% MER
- Hostplus / REST / Aware Super: major industry funds, low-fee leaders
- Pearler: Australian-built investing platform optimised for ETF holders
- CommSec / NABtrade: bank-owned brokers, breadth at premium pricing
- Stake AU: popular for cheap US share exposure
- Vanguard Australia: direct issuer of VAS, VGS, VAF, VAP, the core building blocks of your portfolio
- Victoria Devine (She's on the Money): Australia's most influential personal finance creator
- Glen James (My Millennial Money): long-running Australian podcast host
- Equity Mates: duo behind Australia's largest investing podcast network
- Property Couch (Bryce Holdaway / Ben Kingsley): top Australian property education
Predictions for 2026-2027
- Super balances become Australia's primary inheritable wealth. With $3.5T projected to transfer between generations through 2050 (Productivity Commission), super death benefits become the central inheritance planning challenge for your family and everyone else's.
- Property prices rise modestly as RBA cuts continue. Brisbane, Perth and Adelaide outperform Sydney/Melbourne. Regional growth corridors (Geelong, Newcastle, Sunshine Coast) keep outpacing the capital cities on a five-year basis.
- SMSF growth resumes. With over 600K SMSFs and $890B AUD in assets, the segment plateaued during 2020-23 and is speeding up again as super balances above $300K cross the SMSF cost-effectiveness threshold.
- The Australian creator economy crosses $1B+ in annual revenue. Aussie YouTubers, podcasters, and Substack writers are increasingly building seven-figure businesses with global audiences.
- Build-to-Rent (BTR) reshapes the rental market. Government policy support and institutional capital are speeding up BTR projects in Melbourne, Sydney, and Brisbane. They could absorb 5-10% of the rental market by 2030, cooling rents for good.
Each of those trends rewards people already in position. The super balances being handed down belong to families who contributed early. The creators earning from global audiences started posting years before the money showed up. Wait to see how it all plays out and you will be back on the footpath, watching.
Emerging Opportunities
First Home Super Saver Scheme stacking. If you are under 35 and saving for a first home, max your voluntary super contributions ($15K/yr, up to $50K lifetime) for an FHSSS withdrawal. Combine that with state stamp duty exemptions (NSW/Vic for FHB under $800-900K) and as a couple you can put $100K+ toward your first home deposit with a tax advantage.
Pty Ltd + family trust structure for serious entrepreneurs. Once your business profit clears $200K/yr, the classic Australian small-business structure (Pty Ltd as operating entity, discretionary trust as shareholder) gives you 25% corporate tax, flexible income distribution to family members, and asset protection. Setup ~$2-3K with a competent accountant.
Online business with a USD client base. The persistent AUD weakness (0.65 USD in 2026) means any digital skill you bill in USD effectively earns you 50%+ more than the same work priced domestically. Put that together with a high quality of life and lower-cost regional living, and you have an exceptional Australian wealth lever. What could you do today that an American client would pay for?
Indexed super switch. Most Australians sit in their fund's default high-fee balanced option (~1% MER). Switching to an indexed option (often 0.10-0.20% MER) at AustralianSuper, REST, or Hostplus saves you 0.7-0.9% a year: over 30 years on a $400K balance, that's $400K+ in extra retirement money.
Moving your super into a low-fee option is a short form today that can pay off decades later. If the business also lets you top up your own super, you could sit down with your parents and put their statements beside yours, and the afternoon your mum sees what the fees were costing her becomes one of the better things you do this year. Read both funds' fees, insurance and options before deciding on a change.
Common Objections & Counterarguments
"Australian property is too expensive." True in Sydney/Melbourne, false elsewhere. Brisbane (8x P/I), Adelaide (7x), Perth (7x) and Hobart (7x) remain reasonable. The main residence CGT exemption alone justifies owning for most Australians who can afford it: $500K of price growth over 20 years equals $500K of tax-free gain for you.
"Super locks up money for 40 years. What if I need it sooner?" Compulsory super is already happening (12% goes in regardless). Your real choice is whether to add voluntary contributions. For most Australians, the 17-32% tax saving on contributions plus 15% concessional tax on earnings far outweighs the access trade-off, especially when you combine it with FHSSS for a first-home purchase.
"ASX has lagged S&P 500 for 15 years." True in price terms; less true in total return with franking credits. And your portfolio should be global anyway. Most Australian advisors recommend 60-70% international, 30-40% Australian.
"Australia's small market means no real wealth opportunity." Atlassian, Canva, Afterpay, WiseTech, Goodman Group, REA. Australia produces world-scale companies per person at a remarkable rate. Because the country is small, capital is concentrated and connected, which often gives you a faster path to introductions and seed capital than the US would as an early-stage operator.
Earning on the Side in Australia: Registration, Tax and GST
The pillars above are about what to do with money once you have it. This section covers the mechanics of earning it, which is where most people making a first side income in Australia get caught out. If that is you, read this part slowly.
You need an ABN, and it is free
An Australian Business Number is the identifier you use to invoice, and you get it from the Australian Business Register at no cost. Be careful here: search results are full of services charging you fees to get one, and they are selling a form you can fill in yourself.
Two things your ABN does that matter straight away.
It stops your clients withholding tax from you. When a business pays another business that has not quoted an ABN, it is generally required to withhold at the top rate. Quoting your ABN prevents that.
It sits apart from a business name and a company. Registering a business name with ASIC is a separate step and does carry a fee. Forming a Pty Ltd is separate again, and covered further up this page. As a sole trader with an ABN you have the simplest legal footing to earn from, and it is the right starting point for most people.
Your side income is taxed at your personal rate
As a sole trader there is no separate business tax for you. Your business profit is added to your other income and taxed at individual rates. The Australian Taxation Office publishes these, and for the 2026 to 2027 income year the resident rates are:
| Taxable income | Tax on this income |
|---|
| 0 to $18,200 | Nil |
| $18,201 to $45,000 | 15c for each $1 over $18,200 |
| $45,001 to $135,000 | $4,020 plus 30c for each $1 over $45,000 |
| $135,001 to $190,000 | $31,020 plus 37c for each $1 over $135,000 |
| $190,001 and over | $51,370 plus 45c for each $1 over $190,000 |
These rates leave out the Medicare levy of 2%, which applies on top for most residents.
The mistake that produces a surprise bill
Here is the arithmetic that catches people with a job and a side hustle. It may be about to catch you.
You claim the tax-free threshold of $18,200 once, against one employer, through the tax-free threshold question on your TFN declaration. Your employer withholds tax on your salary to match.
Your side income has nothing withheld at all. It stacks on top of your salary, so it is taxed at your marginal rate. You get no second tax-free threshold and no lower rate on it.
Work it through. Say you earn $90,000 in a job, which puts you in the 30% bracket. Every dollar of side profit is taxed at 30% plus the 2% Medicare levy, so roughly a third of it. Earn $20,000 on the side across a year, spend it as it arrives, and you will meet a bill of around $6,400 at tax time with nothing set aside. Where would that $6,400 come from for you in June?
The fix is mechanical, and it is the single most useful habit in this section. Open a separate account and move a third of every payment into it the day it lands. Adjust the share once you know your bracket. Decide now, while it is easy.
Expect also that once your side income is established, the ATO may put you on PAYG instalments, which means paying tax quarterly in advance instead of annually in arrears. The total tax stays the same and only the timing moves, but the changeover year can bring two payments close together, so it helps to know before it happens.
GST: the $75,000 line is measured on turnover
You must register for GST once your GST turnover reaches $75,000 or more, and when you start a business you expect to reach that threshold. The ATO defines GST turnover as gross income from all your businesses minus GST.
The word doing the work is turnover, which means revenue before costs. If your business turns over $80,000 and nets you $25,000, you cross the threshold on the $80,000.
Once registered, you charge 10% GST on your sales, you can claim GST back on business purchases, and you lodge business activity statements. Two practical consequences for you.
Your prices change or your margin does. If you sell to consumers, adding 10% either raises your price or comes out of your margin. If you sell to GST-registered businesses, they claim it back and it is largely neutral to them, which is why B2B operators often register voluntarily below the threshold to reclaim GST on their own expenses.
Watch the threshold before you hit it. Your registration obligations run from the point you cross it, and discovering you crossed six months ago means GST you never charged but still owe.
Superannuation, in both directions
For yourself as a sole trader, super is generally optional. That freedom is exactly the trap, because the compulsory system is the main reason ordinary Australian employees build up substantial retirement wealth, as the superannuation pillar above sets out. If you are self-employed and simply do not contribute, you have opted out of the country's most effective wealth-building mechanism. Personal contributions are generally deductible within the caps, which means the government helps pay for the habit if you form it.
If you employ anyone, the super guarantee is compulsory and the rate is 12% of ordinary time earnings, which took effect from 1 July 2025 when it rose from 11.5%. It is payable at least quarterly, and late payment carries a charge you cannot deduct. Budget 12% on top of every wage from the start instead of treating it as an afterthought.
Note too that calling someone a contractor leaves the obligation in place in many cases. Where a contract is wholly or principally for a person's labour, super can still be payable, and the ATO actively pursues employees misclassified as contractors.
What to keep
Keep records from your first invoice, because rebuilding a year later is miserable and the burden of proof is yours.
Invoices issued and payments received. Receipts for anything you claim. A logbook if you claim vehicle use. Records of what share of a home or phone bill is genuinely business use, since that split is where deductions are most often overstated.
The general expectation is that you keep records for five years, and digital copies are fine. A dedicated business account and any accounting package will do most of this for you automatically, and both cost less than one hour of an accountant rebuilding your year.
When to stop being a sole trader
Sole trader is the right structure for you until one of three things becomes true.
Your profit consistently exceeds what you need to live on. At that point the flat company tax rate, compared with your top marginal rate, starts to matter, and a Pty Ltd becomes worth its compliance cost.
You take on real liability risk. As a sole trader you have no separation between business and personal assets. If your work can cause loss to a client or injury to a person, have the structure and insurance conversation before the exposure arrives.
You bring in a partner or investor. Splitting ownership needs an entity to split.
Until then, the extra cost and paperwork of a company usually outweighs the benefit, and the simpler structure lets you find out whether the business works before you dress it up.
What Australia's Wage Floor Does to Your Pricing
Australia has one of the highest legal wage floors in the world, and that one fact shapes which side businesses work here and which are hopeless. Most people pick a business without thinking about it and then wonder why their numbers do not behave like the American case studies they read. Have you checked yours against it?
The number
From 1 July 2026 the National Minimum Wage is $1,004.90 per week, or $26.44 per hour, as published by the Fair Work Ombudsman following the Fair Work Commission's Annual Wage Review 2026. The National Minimum Wage applies to employees not covered by an award or an enterprise agreement; most employees are covered by a modern award, and award minimums are often higher.
That is the floor for the lowest-paid work in the country, before superannuation at 12%, before penalty rates for weekends and public holidays, and before leave entitlements.
The two consequences that decide your business model
Anything labour-intensive is expensive to buy, which makes it profitable for you to sell.
A high wage floor lifts the price of every service delivered by a person standing in front of you. Cleaning, trades, tutoring, personal training, pet care, gardening, mobile detailing, assembly and repair all price well in Australia compared with almost anywhere else, because the alternative to hiring you is paying somebody else Australian wages to do it.
That is why so many of the service businesses on this site work unusually well here. Cheap labour barely exists in this market, so it is missing from your competition. Your own hour has a high floor under it, set by what everyone else must pay.
Anything that competes with imports or offshore labour is hard by design.
The same wage floor sits on the wrong side of the trade if your product can be made or delivered from somewhere with lower costs. Manufacturing simple physical goods here, competing on price with imported products, and selling commodity remote work into a global market all mean carrying Australian costs against competitors who carry less.
They remain possible. Price simply cannot be your advantage, and any plan whose central claim is undercutting the market deserves a hard look before you commit capital to it.
Distance is the other big fact
Australia is a long way from everywhere, and its population is packed into a handful of coastal cities separated by large distances.
Shipping is expensive and slow, both inbound and within the country. An ecommerce model that assumes cheap, fast fulfilment is borrowing an assumption from a market with a dense population and short distances. Here, freight cost per unit is a first-order variable in your model, big enough to decide whether it works.
Your addressable market is smaller than the case studies assume. A niche that supports a business in a country of 340 million may support a hobby in a country of about 27 million. Check whether your niche is big enough here before you build for it, or plan to sell internationally from the start.
The timezone is an asset if you use it. Australian business hours overlap with much of Asia and with the beginning of the US west coast day. Work that benefits from being awake while Asia trades, or from handing off to and from American teams, is genuinely easier for you to sell from here than from Europe.
The employ-or-contract decision
At some point a working service business needs more hands, and this is where Australian costs become very real for you.
Employing someone means the applicable award or minimum wage, superannuation at 12% of ordinary time earnings, paid annual leave and personal leave, penalty rates where the award provides them, workers compensation insurance, and payroll tax once your wages bill crosses your state's threshold. Budget well above the headline hourly rate.
Engaging a contractor looks cheaper and often turns out to cost the same or more, because the classification depends on the substance of the arrangement, whatever the contract calls it. If someone works set hours, uses your equipment, cannot delegate the work, and depends on you economically, the law will likely see an employee whatever label you choose. Sham contracting carries penalties, and where a contract is wholly or principally for a person's labour, superannuation can be payable regardless of the label.
The practical guidance is unglamorous. Decide honestly which one your arrangement is, price it accordingly, and if it is genuinely borderline, get advice once instead of guessing again and again. Getting it wrong costs you back-payment of entitlements plus penalties, assessed retrospectively across the whole period. If an inspector looked at your first helper's week, which would they call it?
What this means when you read advice from elsewhere
Most side-income content is written for the United States, and three of its assumptions fail to make the trip.
Labour costs. A US case study built on hiring help at ten dollars an hour falls apart here. Any model whose margin depends on cheap staff needs rebuilding from Australian inputs before you believe it.
Health insurance as a cost of self-employment. A big motivator in American content is that leaving a job means buying health cover privately. Medicare changes that calculation for you, which makes going independent less financially frightening than the American framing suggests.
Regulatory environment. Licensing, consumer law and workplace obligations differ a lot, and Australian Consumer Law in particular gives buyers guarantees that cannot be contracted out of. A refund policy copied from an American template may simply be unenforceable here.
The useful habit for you is to read international content for the mechanics of a business and then rebuild every number from local inputs. The mechanics usually transfer. The economics rarely do.
Australian Consumer Law Applies Whether You Read It or Not
One legal point gets its own section, because it is unusually strong by international standards and people selling their first product or service routinely ignore it.
Australian Consumer Law gives your buyers consumer guarantees that apply automatically. Goods must be of acceptable quality, match their description, and be fit for any purpose you said they would serve. Services must be provided with due care and skill and be fit for purpose.
The part that surprises people: these guarantees cannot be excluded, restricted or modified by a contract. A term in your terms of service saying otherwise is unenforceable, and it can also be a breach in its own right.
Four practical consequences for you.
You cannot run a "no refunds" policy. You can decline a refund when the buyer simply changed their mind, and you cannot decline one when the guarantees were not met. A blanket no-refunds sign or checkout term is the specific thing regulators have gone after.
Your marketing claims become part of the deal. If you said it would do something, it has to. That tightens what you can promise on a sales page a great deal, and it is a good reason to describe outcomes conservatively.
It covers digital products and services as well as physical goods. Your course, template pack or coaching engagement is covered.
Misleading or deceptive conduct is prohibited in trade generally, and the test is the impression you create, even where each sentence is literally true. Fabricated urgency, invented scarcity, fake testimonials and inflated income claims all sit in this territory, and the last of those deserves particular care if you sell a business or investing product.
The useful way to see it: these rules describe a decent standard of trading. If your offer only works because buyers cannot get their money back when it fails them, the problem is the offer. Would you be comfortable selling it to your own sister on those terms?
Your First Twelve Months, in Order
You have seen every piece now, and only the order is left to settle. Here is what to do first, and what can safely wait.
Here are the pieces above put in order, because the order matters more than any single step.
Before you earn anything. Decide what you are selling and to whom, and check whether it needs a licence in your state. Trades, financial advice, health services, food handling, real estate and childcare all do, and licensing is run at state level instead of federally, so your answer depends on where you live.
On your first paying client. Get an ABN from the Australian Business Register, which is free. Open a separate bank account. Start moving roughly a third of every payment into a second account for tax on the day it arrives. Issue proper invoices and keep them.
Through the first six months. Track your turnover against the $75,000 GST threshold so you see it coming instead of discovering you crossed it. Keep receipts for anything you intend to claim. Get public liability insurance if your work brings you into contact with other people's property or persons, which covers most service work, and professional indemnity if you give advice.
Toward the end of the first year. Talk to an accountant once, properly, before your first tax return instead of after it. An hour spent on structure, deductions and whether PAYG instalments are coming is the highest-return professional advice you can buy as a new sole trader, and it usually pays for itself in the same conversation.
Once profit is consistent. Revisit the structure question. Start contributing to superannuation yourself, because nobody else is doing it for you and the concessional treatment is the closest thing to free money in the Australian system. Then read the wealth pillars at the top of this page again, because at that point they stop being theory and start being your plan. Which of these five stages are you standing in tonight?
One caution about the numbers on this page
Australian thresholds move every year, and several moved recently. The income tax rates changed for 2026 to 2027, the super guarantee reached 12% on 1 July 2025, and the minimum wage rises each July following the Annual Wage Review.
Every figure quoted here is sourced to the agency that sets it, and those pages carry the authority, ahead of this one. Before you make a decision that turns on a threshold, open the source and check the current year, because guidance written even twelve months ago is often quoting a number that has since been replaced.
So what does another year of waiting cost? One more year of concessional cap left on the table, one more lease renewal, one more auction watched from the kerb. None of the steps above needs a big decision tonight. Log in to your super, write down the number, and choose one move to make before the financial year ends.