Owen Raskovich

Okay.

Well, that's number one.

So number one is paying down debt.

Kate, what's number two?

Yeah.

So one way you can consolidate super funds is to pick the super fund that you're going with.

And during that onboarding process, when you sign up, they will often ask you, would you like us to consolidate your super for you?

another way to do it is to go to the mygov website and this is the we've mentioned this website quite a few times it's like the centralized website for all finance related things associated with the government so you have the ato you have your hex debt and all your study stuff you have your super things medicare for older people you might have um like your pension um and even dhs stuff it can all be found on the mygov website and that's a really convenient way

To just bring it all together because you effectively can just go in there and just say consolidate and it will do it for you.

So that's a really good way to do it.

Obviously, we've covered how to pick a super fund, the types of insurance that you can have inside super and how to think about that before you change and also how you can get advice.

So again, it's really simple to do.

It's free to do.

You just really need to just get out there, make it your goal for this week or today even after you hear this podcast.

Just give it a shot.

Yeah.

So if you do discover that something has gone wrong, probably the best place to go is to your employer.

If you have a HR team, if you're in that type of organization or speak to your manager about it, it could just be an issue like an administrative issue.

If it's persistent, so you think you've made the changes, but perhaps it still isn't showing up in your super account when you log in or through myGov every three months, then you probably need to have a hard conversation with your employer or

file a complaint with the ato and that's probably a signal too for you maybe that it's time to leave the employer because if they can't pay your insurance i mean not your insurance rather your super it means they're not doing what's legally required so they might be the business itself might be in trouble or simply might not value your time and effort so maybe it's time to look elsewhere