In my 20s, I thought life was complicated. A career, car repayments, relationships and, importantly, making sure I had a some bucks together for a few beers on the weekend. Then I really grew up. Soon, I was married, we had bought a home, and we owned two newer and more expensive cars. We’d […]
Being diagnosed with a potentially deadly health condition in your 20s holds no positives. Not for the person whose lap it falls on. Not for their partner. Nor their children. Never. When the illness is a slow, progressive, and almost assured, death sentence, the younger the person, the more depressing the story. But sometimes, foresight […]
Generation X is often accused of being fatalistic about superannuation. Many believe it will be hoovered up by government taxes, crash before they receive it, or taken by frauds. But they’re not acceptable excuses for taking a bad attitude to super. Most importantly, Xers need to understand that super is our money, we just can’t […]
SUMMARY: Get real. There is plenty of low-hanging fruit if governments really want to cut the cost of Australia’s baseline super. Stop with the pussyfooting on superannuation. If governments really want to strip costs out of the system, the recipe is pretty simple. Recent Super Stream changes are no more than the tip of the […]
“Hi, I’m Bruce Brammall. I’m a Shit Creek paddle salesman. When you’re really up Shit Creek, I’ll be the there to hand you the paddle. “If you die, I’ll look after your family. If you have a big accident, I’ll look after you. If you’re deathly ill, I’ll get you out of the crap.” Welcome […]
EXCUSE me!? Please issue a warning before asking questions like that. I’m choking on my Sunday roast as I write this! Motivation? Lacking? Seriously? Who’s having that problem? Something to motivate you should be easy! Backing your motivations with actions and sacrifices every single day is the “Tough Mudder” part. My motivations? Making sure my […]
If you understand one fundamental “law of life”, making improvements to your lot becomes so much simpler. That law is this: “No long-term good ever comes without sacrifice”. Ever lost weight without cutting back on intake and/or pounding the pavement? Ever got an “A” without studying? Did you buy your first home without spending a […]
SUMMARY: Who gets your super when you die? You might be surprised that your wishes won’t necessarily be followed. The perfect plan for your superannuation would see it to last you until the day you die. But what happens if you pass away first? If you die and there’s superannuation still left, who is going […]
When life turns all pear-shaped, the “Great Grudge Purchase” is the thing you’re glad you bought. Or wished you’d had. Insurance is a crucial element of protecting your finances. You need protection against events that could either wipe you out financially, or set you back years. Some events you would recover from in a few […]
SUMMARY: Superannuation is not just about your retirement. A secondary purpose is to protect yourself and your family. Super is that great promise that you’ll have a grand sum of money to take yourself, and your betrothed, into a fabulous retirement. As you work and earn, it grows, in a compounding fashion, so that when […]
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