Money Rules

You worked hard for that money. Your bank took it with the stroke of a pen.

Not dramatically. Not obviously.
Just quietly. Contractually. With your signature at the bottom.

You thought you were buying a home.
You were also signing up for a 30 year wealth transfer — from your account to theirs.

Nobody explained that part.
Not the broker. Not the bank. Not the settlement agent smiling across the table.
They didn't lie. They just didn't volunteer the full picture.

And why would they?

The full picture is $924,000 in interest on a $750,000 home.
The full picture is a system perfectly designed to extract maximum wealth from people who work hard, mean well, and trust the process.

The full picture is the Ignorance Tax — and it's been running on your account since the day you signed.
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Your Mortgage Repayments Are Someone Else's Retirement Fund That $750,000 house will cost you $1,674,000. Source: $750,000 loan / 6.

54% of people have no retirement plan.

The other 46% mostly have the wrong one.

This month's newsletter covers what the data actually shows —
the retirement gap most people are carrying,
the advice profession that is quietly disappearing, and
why employers are now sitting on an opportunity most have not yet recognised.�

Retirement Poverty Is Closer Than Most Australians Think. 54 per cent of Australians have no retirement plan in place. That's the current finding from a nationally representative survey of more than 2,000 Australians, published by Equip Super in March 2026.

“𝐀𝐮𝐬𝐬𝐢𝐞𝐬 𝐝𝐞𝐥𝐚𝐲𝐢𝐧𝐠 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐛𝐲 𝐬𝐢𝐱 𝐲𝐞𝐚𝐫𝐬" sounds alarming.

But who benefits when we all panic about super?

New research claims cost-of-living pressures are forcing Australians to work years longer than planned. The stats are from Equip Super, the fund that gains when you worry more about your retirement balance and engage harder with their products. Real concerns, sure – but is the framing designed to inform, or to sell?

I dug into the numbers, the inflation outlook, RBA rate risks, and what you actually need for retirement (hint: it’s not the same as the “average” from Super Consumers Australia or ASFA). There’s a better way than fear-based headlines.

Read my full take

Working Longer, Worrying More: Why Scary Retirement Headlines Miss the Real Point Australians are being told they’ll have to work “up to six extra years” before they can afford to retire, and the message is clear: panic. Yet when you look closely at the latest stories, much of this fear is built on surveys funded by superannuation funds themselves, while the real solution ....