In this Friday episode of the Australian Finance Podcast, hosts Owen Rask and Gemma Mitchell answer your questions on: – Whether it’s too late to start investing in your 50s and 60s, and how to balance mortgage repayments, redraw funds and retirement goals – What to look out for when reviewing your first full-time job offer, including salary packaging, super and employee benefits – Why some government employers use third-party salary sacrifice administrators like Remserve or SmartSalary, and whether those fees are worth it – What happens to your Super balance above the Transfer Balance Cap, and how withdrawals and taxes work once you hit retirement phase – Plus we need your help – the challenge Gemma has set our audience to get Owen to write a book! If you like this episode of the Australian Finance Podcast, make sure to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts — and don’t forget to send in your questions for future Q&As using the link below. Chapters (approximate) (00:00) Introduction (09:24) Financial Questions and General Advice (17:56) Full Time Job Overseas Company (21:20) Salary Sacrificing Explained (27:43) Superannuation and Retirement Planning Resources for this episode Sign up for the newsletter Buy Gemma’s book The Money Reset Ask a question (select the Finance podcast) Show partner resources Join Pearler using code “RASK” for $15 of Pearler Credit Get 50% off your first two months using PocketSmith View Betashares range of funds Rask resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

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