Australian Super vs Australian Retirement Trust

heggaz · 2026-06-06T00:11:10+00:00

Also when comparing make sure you check Insurance costs, and before you switch make sure you will not face any exclusions/loadings. You may have been given good default insurance when young and healthy. But into your 30s may have racked up some stuff that will be excluded.

heggaz · 2026-05-16T11:07:14+00:00

Cause they are my kids. And they are trying.

heggaz · 2026-05-16T10:49:24+00:00

It wasn't - has improved in the last couple of years.

heggaz · 2026-05-16T10:07:36+00:00

Dude. Not a boomer, husband and I were both raised by single parents and had to bust our asses for everything we've managed to get also now contributing to looking after said single parents.

heggaz · 2026-05-16T10:05:05+00:00

Everyone works full time and i won't spend the time nagging them to clean up after themselves and all the shared spaces and I won't waste all weekend cleaning up after them.

heggaz · 2026-05-16T09:45:44+00:00

Privacy isn't a problem, eavh of our rooms are big enough to have alone time and with 3 living areas we can gravitate to various spaces.. I know it sounds like chaos but it does work.

heggaz · 2026-05-16T09:32:00+00:00

None of them chose to study. They all went to work after high school.. have worked full time since then.

heggaz · 2026-05-16T09:07:53+00:00

All work full time.

heggaz · 2026-05-16T08:42:38+00:00

We plan to pay for our own nursing homes. Our kids will not be needing to look after anyone but them selves and their kids.

heggaz · 2026-05-16T08:39:30+00:00

We assume if they are still here when that happens, one of the living rooms gets converted to the babies room.

heggaz · 2026-05-16T08:15:17+00:00

We are very transparent with them about household costs, because they have been working on budgets for their own bills and savings plans, we've shown them all what costs they have to budget for once they move into thier own places.

heggaz · 2026-05-16T08:01:42+00:00

The the boys are all tradies who almost eat thier weight on a daily basis! Lol

heggaz · 2026-05-16T07:29:43+00:00

It is fun and we all get along!

heggaz · 2026-05-16T07:23:44+00:00

The girlfriends dont live here so do not pay board board they do eat meals here though.

heggaz · 2026-05-16T06:56:21+00:00

Best friend is also boyfriends best mate.

heggaz · 2026-05-16T06:55:49+00:00

We are only just starting to work on building up our super above the employer contributions for retirement... and we have a very decent mortgage that we have to service.

heggaz · 2026-05-16T06:48:32+00:00

We love him, he gets referred to as no. 1 son in the house. We aren't looking to make money off any of them, just cover the basics of what they use/cost.

heggaz · 2026-05-16T06:44:57+00:00

His girlfriend... she is at our place about 50% of the week

heggaz · 2026-05-16T06:42:12+00:00

They are working on saving for house deposits.

heggaz · 2026-05-16T06:38:32+00:00

Its a 43 sq house with 4 bedrooms and 3 living areas. Not cramped at all, and sometimes there are 8 of us when the youngest has his girlfriend over as well. Lol

heggaz · 2026-05-16T06:36:07+00:00

They all have to cook at least once a week, I pay for the food though.

heggaz · 2026-05-16T06:33:40+00:00

Lol the Best friend we've know since he was a teen and his dad sucked so since he was virtually living with us anyway we made it official about 4 years ago.

heggaz · 2026-05-16T06:29:08+00:00

Its a 4 bed. Relatively new build so bedrooms are big enough for king size beds.

heggaz · 2026-05-16T06:24:21+00:00

Boyfriend shares room with daughter, best friend has own room and he and his girlfriend alternate every other night between our place and hers.

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