money money money 839 pay off HELP debt or add to super, receiving large sums of cash, financial scams + more
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Sep 29, 2025 Rachelle Kroon, Director and founder of This Is Property, shares her expertise on financial decisions that matter. She discusses the merits of salary sacrifice versus personal contributions for superannuation. Listeners learn strategic insights on managing HELP debt while contemplating lump-sum cash payouts. Rachelle also uncovers tales of community scams, offering tips on how to stay vigilant against fraud. This engaging conversation blends practical financial advice with real-life experiences, making it a must-listen!
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Small Consistent Contributions Win
- Consistently putting extra money into superannuation yields long-term peace of mind for retirees.
- Living on less than you earn and investing the rest is a simple, powerful strategy.
Make Intent To Claim For Tax Benefit
- Salary sacrifice and personal contributions have the same tax effect if you lodge a valid notice of intent to claim.
- Complete the super fund's intent to claim form before doing your tax return to receive the 15% concession.
Avoid Salary Sacrifice If You Have HELP
- If you have HELP/HECS, avoid employer salary sacrifice to prevent under-withholding and year-end tax bills.
- Instead, make personal contributions from your bank or decide amounts in June to control cashflow and tax outcomes.
