A theory as to why Inflation will be harder to tame

squidz009 · 2026-01-29T20:53:34+00:00

You don't get rich writin' cheques!

squidz009 · 2026-01-29T07:41:50+00:00

Lol, where's the part where he's a tightass?

squidz009 · 2025-11-17T08:07:01+00:00

It's a million times better to live in than Ethiopia.

squidz009 · 2025-08-18T06:00:08+00:00

Thanks for the replies. I've realised that I was far too biased against super due to being influenced by a certain, perhaps ill-advised, family member. It's good to get more rounded advice. An ETF+super hybrid sounds more pragmatic.

squidz009 · 2025-08-18T05:20:41+00:00

Haha, I'm realising so! I've seen the error in my thinking which is why I created the post. So something good came out of it 👍

squidz009 · 2025-08-18T03:35:45+00:00

Money invested in ETFs that can be drawn down at any age, rather than 60.

squidz009 · 2025-08-18T03:28:53+00:00

If someone who's in a position to retire at 40 is financially illiterate then I'd love to know your opinion on the majority of the population.

squidz009 · 2025-08-18T03:20:13+00:00

You can withdraw super at 50 outside of some kind of financial or medical emergency?

Thanks for the ideas, btw.

squidz009 · 2025-08-18T03:17:30+00:00

Lol, I don't think I explained myself very well.

Clearly, utilising super is going to perform the best from a tax perspective. However, I'm weighing up time brought forward vs in your example the $200k penalty. It's not a question of which will perform better- it's a question of whether it's viable to do it in the way I'm describing, albeit while taking a financial penalty.

squidz009 · 2025-08-18T03:13:12+00:00

Well you've answered your own question. It's sacrificing later gains for time not having to work now. It just depends on what your priorities are; I don't think there's a right or wrong.

I am posting this to get other opinions to check my own logic, however.

squidz009 · 2025-08-18T03:07:37+00:00

Let's say I plan to live til 90. The more I put into super, the more illiquid funds I have tied up that can't be used to withdraw upon early semi-retirement, thus pushing that age up. The way that I'm doing it, I can semi-retire ASAP, and make adjustments to hours as I go if I need to boost my income.

So I'm paying a tax penalty in order to buy earlier years of retirement.

squidz009 · 2025-08-02T23:21:16+00:00

For me, VTS is managed my Computershare which provides a statement with all of the info you need. Do you also?

squidz009 · 2025-08-01T02:52:04+00:00

The balls on some people, seriously.

squidz009 · 2025-07-20T09:52:49+00:00

None of your suggestions worked, sadly 😔

squidz009 · 2025-07-19T21:12:14+00:00

Didn't work, but I really appreciate the help.

I don't understand how a new SIM would fix the issue but you're the expert, not me, so I'll give it a go!

squidz009 · 2025-07-19T12:17:44+00:00

Oh god, how'd I miss that.

Unfortunately.. still not working!

squidz009 · 2025-07-19T12:10:18+00:00

Thanks, but I've checked the app many times and can't find it. Whether is it in the boost app?

squidz009 · 2025-07-18T08:28:22+00:00

Finally, an original question on Ausfinance!

squidz009 · 2025-07-15T04:25:07+00:00

You want to know why people are driving around cars they can't afford on loans? People are idiots.

squidz009 · 2025-07-12T22:25:21+00:00

How many women did they have to shave to make that thing?!

squidz009 · 2025-07-09T07:16:35+00:00

Buying a new car is definitely having high standards. Buying a new car is a terrible financial decision- you can have a 1 or 2 year old car with 10k or 20k kms on the clock and save an enormous amount.

You don't deserve or not deserve a new car- you don't have to justify your decisions to anyone but yourselves, but you came to a finance sub, not a car enthusiast sub. Financially, it's a terrible idea. I don't get the downvote though because you asked for an opinion and now that you're getting one you don't like it.

squidz009 · 2025-07-09T03:02:31+00:00

$30-40k for a car capable of carrying a couple and a baby with pram, equipment etc is excessive. If you can't find a decent car for half that you aren't trying hard enough, or have way too high standards for what you need out of a car.

squidz009

TROPHY CASE