Life moment
Illness or injury
Income protection, claims and super. Here's what to read and work out, in the order that helps most.
Your reading list
Estate planning: wills, powers of attorney and super
Why everyone needs a will, how powers of attorney work, and how to make sure your super goes where you want it to.
2Super and big life events
How parental leave, separation, buying a first home and tough times can affect your super, and the rules for early access.
3Aged care basics
How to get aged care through My Aged Care, what changed under the 2025 reforms, and how home care and aged care home costs work.
4Saving money and building an emergency fund
How to set savings goals, build a safety buffer for life's surprises, and make saving happen automatically.
5Income protection insurance
How income protection pays you a regular income if illness or injury stops you working, plus waiting periods, benefit periods and tax.
6Health insurance basics: hospital, extras and tax
Hospital vs extras cover, the Gold to Basic tiers, waiting periods, the Medicare Levy Surcharge and Lifetime Health Cover loading explained.
7Getting out of debt and getting hardship help
A step-by-step plan for tackling debt, how to ask lenders for hardship help, where to get free advice, and the paid "debt help" traps to avoid.
Need to talk to someone now?
Free, confidential help: National Debt Helpline 1800 007 007 · Services Australia 132 300 · Lifeline 13 11 14