u/lostabilities

Been having some conversations with my dad recently about super as he’s looking to retire soon with his super at 1.5mil, having made contributions into it since he was 25 apparently.

As I am reaching that age, super has suddenly entered my mind. Currently with rest (by default), am a teacher and have everything at a default setting. The only thing I have really gone to change before were the beneficiary settings after signing for a mortgage with my partner.

What small/quick changes could I make now to ensure I’m making the best casual decisions, what should be on my radar, and what larger actions should I plan to make in future?

Thanks in advance, apologies for the lack of education on this topic/ naivety

Hello! I have not moved to finance yet so am unable to move the rate with smart lease, just want to get advice on how to move around this quote and if my numbers look okay. Expecting a larger salary increase by end of the year (teacher), but still want to ensure I get my rate down. I’ve calculated 13.35% through the online calculator which is crazy.

My employer has an exclusive arrangement with smart salary so I was unable to get quotes elsewhere. Sought out a quote for my partners company, novated leasing Australia, where they quoted 9.25%. Any other advice for getting it down once post pre approval? I could seek a quote through commbank for self managed, but don’t want to appear like I do not know what I’m talking about to them. Thank you.

Posting for my partner - Has done two nitrogen freezes which were unsuccessful, has been referred to a surgeon to get it cut out but will have to pay out of pocket since it’s not covered.

He has cut it down before, is a bit hard Due to the placement. It has recently just spread out a bit.