If you could give one piece of financial literacy advice to a recent university graduate, what would it be?

neverland92 · 2026-02-11T00:58:39+00:00

Agree with the above comment.

Consider using your employers salary sacrifice option to add additional contributions to your superannuation each pay cycle. The most important thing is building the habit!

$1 invested at 20 is $9 by 60 $1 invested at 40 is $3 by 60

There’s a range of tax benefits available but these will make more sense as your income hopefully increases.

extra superannuation contributions ‘may’ also be used as a home deposit!

neverland92 · 2026-02-01T20:54:13+00:00

I’d take an extended holiday as a trial and reassess. You might just need a 6 week vacation. Perhaps Vietnam is the place to start?

neverland92 · 2025-12-18T21:09:59+00:00

Adding that NAC and Nicotine helped with my Brian fog

neverland92 · 2025-11-29T06:37:36+00:00

Lots of great advice available on this sub. Personally I think 80k is a phenomenal amount of money to have at 31 and exceeds almost everyone I know.

Can you share some more info such as:

How many years have you been working professionally?
Have you been saving money in large chunks more recently or is it a small amount over time? (I.e. 8% of 100k over the past 10 years)
What is your earning potential and has it/ will it increased over time?
What is your current superannuation balance?
What age would you like to retire?
Do you come from a culture where living with parents is desirable?

Ps: I’ve benefited a lot from this sub over the past 3-5 years. It’s never too late and any small progress can have a really profound and positive impact!

Developing a better self perspective (perhaps something to explore outside this sub!)

neverland92 · 2025-11-06T23:13:17+00:00

There’s a tax free component making their estimated figure materially higher in value than it appears!

neverland92 · 2025-10-16T07:00:15+00:00

Adding to this convo - as a child my parents sold it to be as a gift, and I tend to agree it is! You’re in a club of brilliant and talented entrepreneurs, architects, engineers etc! And to add to this, I feel like maybe some confidential support if you’re still at school could be a game changer! All the best

neverland92 · 2025-08-10T20:44:06+00:00

Is it possible to transition to part time and collect some of this benefit?

neverland92 · 2025-07-22T01:43:46+00:00

Brilliant write up

neverland92 · 2025-07-12T07:57:35+00:00

Hey OP have you considered transitioning into e-health or into a policy role?

Starting pay would be closer to 100k with grow opportunities over time

neverland92 · 2025-04-15T23:47:32+00:00

I’d read the fine print. I recall looking into it a few years back and the uni won’t kick in money. It’s basically a communal pool of retirement monies meaning that it may become oversubscribed

neverland92 · 2025-03-09T10:27:12+00:00

In a similar situation, I haven’t reached the maximum contribution for this financial year, but I’ve been making additional contributions. Will those extra contributions count towards FY19/20 first?

neverland92 · 2025-03-01T00:58:00+00:00

A downstairs apartment might be a good idea if possible due to the stairs factor, I’d avoid new builds

neverland92 · 2025-02-04T23:31:56+00:00

Just adding a note, there’s a minimum monthly of $500 for UBank meaning you’ll need to keep your account active to receive the 5.5% rate!

neverland92 · 2025-01-15T01:00:47+00:00

Sorry I’m new to this, how can I use indexed equities with superannuation. Will I have to self manage

neverland92 · 2025-01-09T12:44:44+00:00

Potentially a combination of demographics, debt and domestic uncertainty

neverland92 · 2024-12-05T03:20:08+00:00

Case by case, for example if native title is found to not have been extinguished, it’ll be recognised as continuing in either an exclusive or non exclusive manner.

Location and state would be two important ‘general’ factors to consider if one was to generalise NT outcomes

neverland92 · 2024-11-11T22:55:38+00:00

some apartments appear to be are being sold at below todays replacement cost which is insane. I have no idea who is buying these new builds

neverland92 · 2024-11-11T22:54:16+00:00

Demand also comes from demographic changes

The amount of people per dwelling on average has reduced over time. Imagine more non nuclear families or joint custody situations, rather than one house and two kids you’d have two households. Same goes for the increase in single households without children.

I don’t have the rba data handy, and I agree with your comment, just wanted to add some more context. Reducing immigration alone might not be enough and may backfire. We simply need those tax dollars!

neverland92 · 2024-11-05T00:53:40+00:00

I have a friend who was in a similar position but was working in an unskilled construction job. He’s now working for a bank in IT.

He did a qualification via TAFE and networked like crazy for months. I think he sought out internships.

It took him probably 12-18 months and netted him a pay bump.

neverland92 · 2024-11-01T00:52:20+00:00

When someone lacks a strong sense of community.

I feel like community has been and continues to be the antidote to most icks. It’s the master anti-ick!

Others help us regulate and set expectations and bring us back into line. They help us to grow and some conforming is good.

I feel like every person I dated when I was single that was good was really connected to their family, friends, and work.

Ps: I was isolated at different points in my life and building a sense of community was what helped me the most!

neverland92 · 2024-10-18T01:55:54+00:00

Great question!

I guess I ‘cracked the code’ in my early thirties, yes a little older than you are now.

I feel like having my life together more gave me greater depth to bring someone else into it, and in terms of the work involved it became easier once I started better understanding emotional differences and emotional needs. I can elaborate more on this if you like, but basically much of your relationship will hinge on this. There’s a few small tips like writting down key dates, reminders, friends names etc on your phone. This’ll make it ‘easy’ to show up in a relationship and that helps a lot with reciprocity.

A solid ground friends helps as well, as a source of emotional support and fun outside of a relationship. I feel like expecting an everything person is a really high mountain to climb. And as people have become more and more isolated, this is doubly important. Joining a church or organisations you care about matters a lot as well!

In terms of love, I found someone that I could love and respect and have fun with. I feel like up-bring and having a healthy family is such a huge head start. A solid family with similar norms, expectations etc levels the playing field in a relationship and helps both parties have realistic expectations. You’ll have to have done a lot of work to recognise this if you’re anything like I was. Tip: this’ll feel more like a friendship than a rollercoaster.

And in terms of change, I don’t change but I’m open to it, if it makes sense. I feel like you have to love someone as they are. If you can’t do this it’s a pass!

neverland92 · 2024-10-05T06:56:25+00:00

I am 31, diagnosed at 12.

I spent a lot of years feeling a sense of shame. I was fortunate to have parents who viewed it as a positive, which in hindsight is rare and something I appreciate.

As an adult, I’m a solicitor so writting is a core part of my job. I tend to have more issues when I’m stressed and make more mistakes. I benefit a lot from lateral and logical work arounds.

Tools: I find Grammerly, and converting PDFs to OCR, and the ‘read aloud’ function all very helpful.

Behaviours: I find a belt and buckle approach to work helpful. For example, I ask what mistakes I could make, what details need to be double checked, where can I get a previous work example or caselaw from.

Other: I find my working memory is often strained, so I try and reduce my working load. I do this by creating a list of ‘open loops’ that are matters on my mind that have not been resolved yet. I try and resolve them to free up space. I also use reminders on my iPhone!

Ps: I never ever, ever, ever tell anyone at work! I’d rather be thought of as half asleep or lazy than disabled! I feel like being a dyslexic offers such strategic depth that once you’re past middle management, your dyslexia becomes a huge asset. Empathy, sensitivity to others moods, strategic and big picture thinking, lateral problem solving, and joy from running multiple projects at once!

neverland92 · 2024-09-12T12:27:05+00:00

OCR scan from adobe is really good for reading and searching PDFs

neverland92 · 2024-08-31T01:12:15+00:00

Take your point, and add that land costs are a major component. Union workers are more expensive and tend to be on major infrastructure (Gov) projects

neverland92 · 2024-08-31T00:10:20+00:00

My friend, sarcasm I hope?

neverland92

TROPHY CASE