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Those are quite low balances by age, id be worried heading into retirement if I only had 120k in the mid-40s. If that were me id be building a little property portfolio on the side.

I had to check the date of when this was recorded. Those figures are far too low surely.

Why women catch up: Maybe their husbands die and they keep the total as they become single - just a thought

Great video. You gave really good insight which was simple and concise. I’ve been looking for this honesty for a while now.

Between 60 and 69 its hugely profitable tax wise, for men to contribute super to their partners accounts

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family...

Good day mate! I just started tuning every day to your contents. Its been a year since I started researching about investing and for a year I have been paralysed, meaning I didn’t start investing at all because of the fear of losing my money if the company that I bought stocks from would collapse and then I stumbled upon ETF’s! I didn’t know that this basket of stocks do exist and they exist for a long time now. So stupid of me I think. But upon learning a bit about it, I stopped the analysis paralysis and bought the nasdaq 100 etf. Now im seeing a lot of ads to subscribe to them and that they will give tips which ones to buy. Do I really need those when my plan is to invest in US, Aussie and bitcoin etfs? Thank you and more power

The women catch up.. because of divorce. Because they get awarded a percentage of the man’s super and leave with it. Reducing the average male super and increasing the average female super in those age groups

Is this pre or post tax?

How much does a couple need, eating out once a week, overseas holiday once a year, living well, and retiring at 65, with no debt.

Vrau.bani.mej.ches,20.million./£/data,24,nov,2025,LAS,NAME,VARGA,sandor,ADRESS/GLORIA/NR/92/LOC/GIROC/JUD/TIMISOARA/ROMANIA A BANK,BRDE/ACCOUNT.RO13BRDE360SV7724563600

i thought one bought US stocks under a Custodial regime. Does a Chess account cover US stocks?

The disparity is because more women are working at that age and Men who have done well in life are retiring earlier

Ray amazing video man but i think you need to improve your thumbnail can i help you for that ?

Informative and confident presentation. I feel like I can trust your views. Thanks.

hey man what makes you to stop creating content but loved your quality

Thinking of doing the same as you did, buying an investment property before my first owner occupied. But I’ve already saved up around 25k in my super (fhss) and would like to some day take advantage of this and other first home buyers incentives. I’m looking into maybe buying the investment property in a trust to get around this predicament, what are your thoughts on that idea? I’ve heard they can be a bit of a hassle and can cost around 3k/year, so still not sure if it’s worth doing or if I should just say goodbye to first home buyers incentives… Thanks mate, great video :)

I have few cash con loan and phone bill how do i fix this and get my credit in order

Give the video a like otherwise you’ll have 3 years bad luck

Isn’t private school like a $50,000AUD a year now? That’s over $650,000AUD for 13 years of compulsory schooling.

I missed one payment on an overdraft and it dropped my score by 220 points on illion. How long will this take to go back up to what it was?

love how this fella plugs those random sponsors, very smooth ps if you think the bills are steep now , wait till your kids get into the Teens with $20,000 plus a year college fees!!

Hello yep great idea , we have poor thinking of turning it into investment and buy more assets. Keep loans on investments so that you can claim interest on the loan at tax time. 10.properties that cashflow would be better then one really nice home I think. Thanks for the video

I don’t have credit card I got few loans from cash converters and bills how do I fix this

😊

umm..if you want to blow it at the casino.. fine but you should not be entitled to an age pension after 67.

Great video! Thank you. A few additional reasons that Keating instated Superannuation was to support economic growth while providing ourselves with a business cycle cushion. Also economic benefits in our Current Account Balance (meaning we can derive an income from foreign investments and boost our GDP) and domestic investment. It was done because Australia was growing materialistic.

Thanks very interesting video! I’m so grateful to be childfree and not have to make this type of decision. It’s hard being a parent!

I would have thought that the time that what one has in super would matter is 60+. 😂

All that noise for that little money? Less than a studio unit in townsville

Because men are retiring early so their super stops growing, while women are trapped in the workforce thus forces it to catch up. Exact same story with my parents right now.

Or just suck it up and move further out west. Prices are high because stubborn people want to be 5 minutes from the CBD for some reason. Look at you now, stuck in a little tiny apartment, no backyard, no front yard, in ur little concrete depression box

Reference your question why women catch up towards the end. My wife and I are both in the same industry and are both in a defined benefit scheme. When my wife was in her 30's she had children and went part time and her superannuation lagged significantly compared to mine. In he 50's she returned to full time work and took promotion, as a result she caught up a lot. Conversely I continued to work full time and maxed out, reaching my maximum multiple when I was 50. After that my super only grew in line with pay rises. I am only ahead by virtue of an additional accumulation fund that I payed into after I maxed out.

Wow definitely thought I was doing it tough at 19 I wish there were a graph that just compared working class with working class for my age bracket considering so many people study I earn about 88k annually after tax

very helpful video! how long did it take you to get out your job?

Thanks for your assistance. I'm interested in buying a house; however, there's a lot of information and no clear path to follow. This video helps to clarify the situation.

Women might catch up in the late 60s because their husbands could be starting to die and the ladies are inheriting the remaining from their bloke?

These home grants have done more damage than good!

Is this net or gross?

Great. There’s a lot of stuff in there to unpack.

Nice video , do they take into account the amount of Super in retirement is there a thresholds.Thanks.

Informative video. However, what's with the freak ANNOYING zoom in/zoom out on your dial? Very annoying and has stopped me from bothering to watch anymore, the 'style' you're applying is something that was common in the 80's with people making their own website and hence died with the dinosaurs, catch up!

Number seems quite low in both average and median...even with 400K probably will not provide a comfortable lifestyle...

Nice video - subscribed

how do we get tax summary reports from pearler?

Thanks for helping me.

Hey Ray, thanks for this video. Do you really have 450k invested in ETF’s? Can you please give little breakdown? Thanks:)

Women initiate divorce in their older years because they're sick and tired of their husbands frugality and get half the husbands assets.

I'm 49 yrs old and my super balance is $650K. My wife just turned 50 and her super balance is $550K - lower because she took a year off for maternity leave and her income was lower than mine over the past 25 years. with re-investment of dividends/interest, employer and personal contributions... these figures should double every 10 years if 7% pa return is compounded. I DO NOT understand why your stats are so low.

You should really take more advantage of super... maxing your concessional contributions is strongly recommended