Money Tips
Sensible Defaults: Stop Researching Every Purchase
Borrow a trick from software engineering. Pick a default store for each category, buy there by habit, and stop re-deciding the boring stuff.
Australia
21 posts
debt recycling
Debt Recycling Calculator
Compare paying down your mortgage, direct investing or debt recycling. Discover where best to stick your spare cash for maximum benefit.
visual_explainer
Debt Recycling: How much could you benefit?
Want to make your mortgage interest tax-deductible? Here is how the debt recycling strategy works in Australia, straight from the ATO rulebook.
CGT
How to Minimise Capital Gains Tax in Australia: The Early Retiree's Guide
When you start living off your assets, every sell order is a potential tax event. Here is how to sequence your sales to minimise Capital Gains Tax in Australia.
Superannuation
The Superannuation "Tax Wipe": How to Legally Delete Your CGT at Retirement
Most Australians pay a hidden "tax drag" inside their super every year. Here is how switching to a direct investment option can legally wipe your CGT at retirement.
Investing
Investing For Your Kids in Australia: The Tax-Smart Guide to Informal Trusts
Setting up a share portfolio for your kids is a brilliant idea, but the ATO has some nasty traps. Here's how to use informal trusts and growth ETFs to invest tax-free.
Superannuation
Cheapest 100% Equity & Growth Super Options in Australia (2025)
Want the lowest fees on your super? I compare the cheapest 100% equity and growth index super options in Australia from Hostplus, AustralianSuper, and Vanguard.
Australia
Renting Your Home on Airbnb While on Holiday? Check the CGT & Fees First
Thinking about hosting your home on Airbnb while on holiday? Before you list, learn how platforms fees, local NSW STRA regulations, and the ATO's CGT rules can eat your profit.
UK
UK State Pension Living in Australia: The Voluntary National Insurance Hack
British expats living in Australia can still claim the UK new state pension. Learn how making voluntary National Insurance contributions boosts your retirement.
Superannuation
Get a Free $500 Gift From the Australian Government (Super Co-Contribution)
If you earn less than $60,400 a year, the Australian Government will give you up to $500 for free. Here is how to trigger the ATO super co-contribution.
Australia
Dividend Imputation Australia: Why Franking Credits Are a Cheat Code
Australia's dividend imputation system is a massive gift to local investors. Here is how franking credits work to boost your dividend yield by over 40%.
Australia
Best Online Investment Services in Australia (Lowest Fees!)
Stop paying $20 per trade. I compare the best online share trading platforms in Australia for ASX, US shares, and ETFs so you can keep your money.