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Retirement might be decades away or just around the corner, but it’s never too early or too late to start thinking about your financial future. This article explores the key questions to consider, from the lifestyle you want and how much you may need, to where your retirement income could come from and how long your money may need to last.

Housing tax reforms have sparked warnings of market turmoil and promises of greater fairness. But after modelling nearly two decades of property data, the results suggest winners and losers may not be who investors expect.

Higher interest rates can put pressure on mortgage repayments and household budgets, but they can also create opportunities for savers. This article explores the impact of rising rates and ways to manage money in a higher-rate environment.

Planning for tertiary education doesn’t have to mean taking on significant debt or putting financial pressure on the family. This article explores government support, budgeting strategies and ways parents can start saving early to help make further education more affordable.

What is your definition of a rich life? Financial success can mean different things to different people based on their background, stage of life, where they live and their lifestyle habits. Reflecting on what financial success means to you can be a powerful first step in setting clearer goals and crafting the optimal strategy to reach them.

Lower investment returns can be particularly concerning as retirement approaches, but this shouldn’t mean you need to completely abandon growth investments. Discover practical ways to protect your retirement income, manage market risk and make your savings and super last longer.

Being your own boss offers flexibility, but it can also mean dealing with uneven income. Learn how contractors and freelancers can budget more effectively, prepare for tax obligations and super contributions, and build financial buffers to help smooth out the ups and downs of self-employment.

Key global developments in July The end of the US-Iran peace deal led to a renewed surge in oil prices and bond yields, yet equities held up due to continued solid growth in earnings. Higher oil prices and bond yields helped the energy and financial sectors especially.

You don’t need to be “good with money” to build wealth. Budgeting isn’t about restriction. It’s about understanding where your money goes so you can choose where it should go next.

Lower mortgage repayments can be tempting, but resetting your home loan back to 30 years could cost you far more in the long run. Discover the hidden disadvantages of extending your mortgage, from extra interest and slower equity growth to the risk of carrying debt into retirement.

Your borrowing capacity isn’t determined by your income alone. Find out why interest rates, lender policies, existing debts and living expenses can change how much you may be able to borrow.

As Labor’s new budget rolls out,  Australia’s taxation system will be subject to major reforms including the abolishment of the 50% capital gains tax discount across almost all asset classes. This will be replaced with an inflation-indexed system and a minimum 30% tax rate on real gains starting July 1, 2027. However, this change does have some unintended consequences.