Guides.

Plain explanations of how money works in Australia. General information, checked against primary sources, with the sources listed in every guide.

Saving and buffers

How big should an emergency fund be in Australia?

How to size an emergency fund from your essential monthly costs, what changes the target, where people keep it, and how to build and refill it.

8 min read

Net worth

How to work out your net worth

A plain guide to adding up what you own and what you owe, including super, property, HELP debt and buy now pay later, with a worked example.

8 min read

FIRE and retirement

What FIRE means in Australia, and how super fits in

A plain guide to financial independence and early retirement in Australia: FIRE numbers, the 4% rule's limits, and super preservation age.

8 min read

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