Owen Raszkiewicz

Okay.

So now we're going to maybe shift gears and talk about some more specific points that people might bring up with us.

you've explained really well the difference between inside and outside of super, but when is it too late to think about investing outside of super?

So opening a brokerage account, buying an investment property, those types of things.

When is it too late?

Yeah.

And this is where a financial planner can help, right?

Because they can actually sit down with you and be like,

they bring out these fancy charts.

If I was a financial planner, I wouldn't do these charts because I think it's overwhelming for most people.

But they can sit down with you and they can go, this is where you are.

And if you do this, this is what the chart looks like.

And if you do this, this is what it looks like.

And one of those things that they could do is, well, super for most people is taxed at 15%.

But hey, you're earning and you're paying tax at 30%.

So you'd be better off putting a little bit extra into super.

So there are taxes definitely a consideration.

But

Yeah, they definitely take up that $25,000 limit at the moment, which is what it is.

But they definitely take that up to get those concessional contributions rolling in.