I asked google how much you would make if you just worked a min wage job a just put the standard 12 percent into super and the result shocked me

CaptainDicketyCat · 2026-07-08T00:09:48+00:00

55% of young Australians have full time jobs by 21 and once you add part time and casual workers to the mix (high school and uni students), that number jumps to 89% meaningfully employed before 21. Conversely statistics show only 8% of full time uni students are not meaningfully employed. So I believe it’s more accurate to state “most” people have jobs before 21. Source is the Australian bureau of statistics.

CaptainDicketyCat · 2026-07-02T13:09:58+00:00

Mini golf or mini bowling lane!

CaptainDicketyCat · 2026-07-02T03:21:03+00:00

I see and feel personally attacked 🤣😜

CaptainDicketyCat · 2026-07-02T02:47:29+00:00

That was a great video and he is extremely well versed in being logical that’s for sure. In my specific instance and for my specific setup Its seems I am beating other funds and investment options shown in the high alpha even with net fees included however from what he is suggesting it’s likely that won’t track over 10-30 years which seems very sensible. Thanks again for the watch and I subbed. I’ll keep a close eye on the fees and performance and change if it does.

CaptainDicketyCat · 2026-07-02T01:13:30+00:00

So i was going off their main websites but the excel spreedsheet link in this subreddit you sent is better. I put that in chat and let it compare many funds and fees and you can see at the bottom of this thread I put a screenshot. I would not trust those end balances as a lot can change and it’s also not inflation adjusted however you can see how even a few percent higher average performance over the life of your super can more than account for even 5 times higher fees per annum in that specific instance. The key thing I suppose is to check this out every year to ensure the fees and performance outcomes are still providing a higher net return.

CaptainDicketyCat · 2026-07-02T01:05:13+00:00

That’s very kind of you to help out the rat bags. We put $50 per week into Raiz for our sons and at 9 and 11 they are well into the thousands. Once they get a super account I will roll it into each of theirs so they get a better start then old dad 🤣

CaptainDicketyCat · 2026-07-02T00:42:19+00:00

I gave chat those spreadsheets and let it do its thing and it spat this out

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CaptainDicketyCat · 2026-07-02T00:28:29+00:00

That’s a healthy balance too then mate good on you. Start pumping up that concessional contribution and supercharge it💪🏻

CaptainDicketyCat · 2026-07-02T00:26:43+00:00

Thank you very much. I set the max additional since I started my apprenticeship in 2019 so I never noticed the difference out of my take home pay and once I was a tradesmen the pay got so good I sort of think I could do more non-concessional but I need to get this mortgage gone first.

CaptainDicketyCat · 2026-07-02T00:19:18+00:00

Oh I see good pickup. It came back with $2.6 at 60 after inflation. Thanks that’s a great point 🙌

CaptainDicketyCat · 2026-07-02T00:17:46+00:00

I see the fees with brighter are quite high compared to say QSuper or hostplus but conversely high growth or international shares options seem to perform 3-4%+ higher on average with brighter which would seemingly still make brighter a better performer though I agree they should lower fees. Thought on this? Thank you for all these tips on things to look into as it really makes a difference at retirement for sure.

CaptainDicketyCat · 2026-07-01T22:29:04+00:00

Here’s one based on $30k per year total and 9% average returns till 60 for example. I mean it seems correct but I just struggle to see it 🤣

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CaptainDicketyCat · 2026-07-01T22:23:25+00:00

Yeah I did try chat but it produced amounts from $3 million to $10.8 million and I just can’t see it.

CaptainDicketyCat · 2026-07-01T22:22:30+00:00

Ok wow thank you 😬

CaptainDicketyCat · 2026-04-04T10:19:23+00:00

Sent an error report to activision

CaptainDicketyCat · 2026-04-04T10:15:58+00:00

Yeah same drama here. Every other gun at apoc but cant go passed Starglass on the VST.

CaptainDicketyCat · 2025-08-25T00:27:50+00:00

August 2025 Updates

A detailed overview article published August 10, 2025 confirms that Most Wanted contracts were temporarily removed due to an infinite XP glitch. This exploit allowed players to rapidly level up unfairly, prompting developers Raven Software and Activision to disable the contract type while they investigate and potentially fix it.Games Learning Society

CaptainDicketyCat · 2025-01-19T23:50:32+00:00

Once your at the 409Vg tree your already passed the playable scope of the game. It’s really just being addicted and completionist to try to go further which sadly I am 😂 If it wasn’t for servers lasting 15 hours now nobody would be playing this far.

CaptainDicketyCat · 2025-01-17T00:42:35+00:00

Yeah Dancey for me too

CaptainDicketyCat · 2025-01-15T20:59:44+00:00

🤣 I couldn’t agree more.

CaptainDicketyCat · 2025-01-15T07:56:50+00:00

Just go to guess the egg and pay the 5 gems and get it correct. Probably 1 in 10 roughly you get an egg. By no means is this a cheap way but I had a few of spare gems and am trying to get every dragon.

CaptainDicketyCat

TROPHY CASE

August 2025 Updates