If you’ve ever asked yourself “Should I just pay off my HECS debt early?”, you’re not alone. It’s a super common question—especially when you see that lump sum just sitting there. But here’s the thing: in most cases, you’re better off just letting it chip away every year through your tax return. …


Think you’re already getting the most out of your tax return? Think again...There’s a little-known strategy that savvy Australians are quietly using to legally reduce their tax bill and it’s hiding in plain sight. …


Running your own medical practice can be one of the most rewarding things you’ll ever do. You’ve got the freedom to shape how you care for patients, build a team, and create a workplace culture you believe in. But there’s a side to practice ownership that medical school doesn’t prepare you for: money management. And one of the trickiest parts? Cash flow. …


After years of medical school, internships, registrar training, and specialist exams, doctors in Australia finally reach the point where the financial rewards start flowing. Compared to the average Australian worker, a doctor’s income is well above the norm. According to the Australian Tax Office (ATO), medical professionals consistently sit among the highest income earners in the country. With that higher income comes choices — and often, temptations. …


For years, getting into the property market has felt impossible for many first home buyers.Saving a deposit big enough to satisfy the banks — all while rents skyrocket and living costs keep rising — has been a constant uphill battle. So when the government announces an expansion to its 5% deposit scheme, it sounds like the breakthrough everyone has been waiting for. …


Working from home isn’t new, but in recent years it’s become the norm for many Victorians. From accountants setting up in a spare room, to hairdressers running a salon out of the garage, or allied health professionals seeing clients from home — more and more people are blending business and home life. But this raises a tricky question: 

If part of your home is used for business, does that affect your land tax exemption on your principal place of residence (PPR)?... …


As a Doctor you  can earn a lot of money and that can sometimes give you a bit of a false sense of financial security. It’s totally normal to upgrade your lifestyle as your paycheck grows—something we call “lifestyle creep.” But the tricky part is that it can sneak up on you, making it tough to really keep control of your cash flow. …


If Freddy Krueger ever swapped his bladed glove for a calculator, Section 296 might be his handywork. This proposed new "super tax" is targeting total superannuation balances over  $3 million with the same stealth and sting as a horror movie villain. …


Now, I’ve gotta say, everyone’s all in a tizzy about the Federal Budget. Sure, it’s important. But here’s the kicker: The government can do what it likes, but your budget is where the real magic happens. …


Many doctors who build wealth do so by running their own practices. They focus on making their practice a successful business, spend less than they earn, and save the difference. Over time, those investments grow and can outpace the practice itself, becoming the main source of cash flow and wealth. But it all starts with the practice. It’s the heart of the journey. …

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  • Should You Repay Your HECS Debt?
    Yesterday Should You Repay Your HECS Debt? If you’ve ever asked yourself “Should I just pay off my HECS debt early?”, you’re not alone. It’s a super common question—especially when you see that lump sum just sitting there. But here’s the thing: in most cases, you’re better off just letting it chip away every year through your tax return. More >
  • Breaking news Changes Superannuation Div 296
    13 Oct Breaking news Changes Superannuation Div 296 Treasurer Jim Chalmers has announced welcome adjustments to the Government’s proposed Division 296 measure, which seeks to tax earnings on superannuation balances above $3 million More >