Work & Career

Get your personal finances in order before you start a business

Christine Long Getting a business off the ground isn't just about finding start-up money. Behind the scenes you've got to be able to live and ensure your personal finances don't go backwards.

The two things most parents get wrong about childcare costs

Childcare starts to look less expensive when you consider all the financial factors.

Melissa Browne Does it really make more financial sense for one partner to stay home?

COMMENT

Worried about your retirement savings? It's probably not as dire as you think

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Caitlin Fitzsimmons You probably don't need as much money in retirement as you've been told.

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Five steps to avoid an aged care fiasco

Mark Bouris We all need a plan to help prepare for old age.

How to make retirement savings last longer than you do

Colin Campbell is reluctant to take on more risk.

John Collett Well-diversified portfolios have a split of 70 per cent in "growth" investments and 30 per cent in income-producing "defensive" investments.

Busting the $1 million retirement myth

Brian Long Most Australian workers have nothing like $1 million in super, yet still report being satisfied and fulfilled in retirement.

How to figure out compound growth in your head using the Rule of 72

The Rule of 72 makes complex calculations easier to do in your head – without an abacus or calculator.

Noel Whittaker You don't have to be a mathematician to use the Rule of 72. It's simple, but once you understand how to use it, you'll wonder how you got by without it.

Think all you need to retire is money? Think again

Consider a transition into retirement before you sign up for 30 years of relaxation.

Nicole Pedersen-McKinnon It's possible your retirement fantasies involve beaches, drinks with tiny umbrellas and – ahh – spare time.

Life change: Meet the Australians reinventing retirement

Jeff and Judi Parry have downsized to a smaller apartment in a retirement village in Carlton. Photo: PENNY STEPHENS. The Age. 15TH JUNE 2017

Nina Hendy We talk to the downsizers, the sea-changers and the retirees who moved overseas.

Unlucky seniors still caught in the pension card trap

Noel Whittaker.

Noel Whittaker Former pensioners lose thousands because they earned hundreds.

Five side hustles, for love or money

If you love to knit, you could have a side hustle selling cute beanies.

Catherine Robson The side hustle has exploded among Australian millennials and thanks to the internet there's more opportunity than ever to turn a skill or passion into a tidy income outside your nine-to-five.

Money can buy happiness if you spend it on experiences, time or others

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Caitlin Fitzsimmons How would you spend $20 for the biggest payoff in happiness? What did you actually spend your last $20 on?

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The property market is taking a breather, not falling off a cliff

Owner-occupiers only realise the value of their home if they sell.

Mark Bouris There's a lot of the talk at the moment about the idea of a housing bubble that's set to burst.

Being rich makes you smarter

Catherine Robson Here are some ideas to relieve money worries and increase the quality of your financial decisions, and as a result, your general intelligence.

FIRST PERSON

'My ex-boyfriend left me broke'

A psychologist helped the writer understand that her partner's behaviour was financial abuse.

Anonymous By the time I left him, my boyfriend had taken nearly all my money.

How Troy Carter overcame 'financial PTSD' to launch Lady Gaga

Troy Carter was instrumental in the early days of Lady Gaga's success.

Catherine Robson What could you achieve if your negative financial experiences from the past were not holding you back?

Enjoy stomping your feet about house prices, then go do something about it

Melissa Browne Ultimately all my swearing and carrying on isn't going to change anything.

What Aussies get wrong about money (and schools don't help)

Nicole Pedersen-McKinnon.

Nicole Pedersen-McKinnon More than 27,000 readers jumped online and completed the basic money smarts test shared last week.

Budget incentives for downsizers only benefit the well-off, experts say

SYDNEY, AUSTRALIA - MAY 15: Portrait of Tom and Irene Han at their North West Sydney home. The retired couple intend to downsize from their large suburban house in the next few years on May 15, 2017 in Sydney, Australia. (Photo by James Alcock/Fairfax Media)

John Collett Before selling, you need to consider how the age pension thresholds under the assets test work.

You can't outsource motherhood, but you can share the load

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Caitlin Fitzsimmons Mother's Day is a time to reflect on the unpaid contribution of mothers and grandmothers to families and communities.

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