CINXE.COM
WAtoday
<!DOCTYPE html><html lang="en"><head><meta charSet="utf-8"/><link rel="preload" href="https://www.watoday.com.au/afx_prid/2023.10.16.1/auth/ps/p202310161.js?lcsid=D3377D70-045F-4C2C-B07F-C88533E87E67" as="script"/><script nonce="NV44a8EhgksSiOXMcQcdSg==">var afx_start = Date.now();</script><script src="https://www.watoday.com.au/afx_prid/2023.10.16.1/auth/ps/p202310161.js?lcsid=D3377D70-045F-4C2C-B07F-C88533E87E67"></script><meta content="width=device-width, initial-scale=1, shrink-to-fit=no" name="viewport"/><meta content="ie=edge" http-equiv="x-ua-compatible"/><meta content="#0a1633" name="theme-color"/><link href="/metro-assets/client.47743a2cdeb9d43074f5.css" rel="stylesheet"/><title data-rh="true">Topic | Ask an expert | WAtoday</title><meta data-rh="true" content="noarchive,noodp,index,max-image-preview:large,max-snippet:-1,max-video-preview:-1" name="robots"/><meta data-rh="true" content="The latest Ask an expert news, articles, data, and analysis from WAtoday" name="description"/><meta data-rh="true" content="" name="keywords"/><meta data-rh="true" content="no-referrer-when-downgrade" name="referrer"/><meta data-rh="true" content="Topic | Ask an expert | WAtoday" name="title"/><meta data-rh="true" content="503488889664154" name="fb:app_id"/><meta data-rh="true" content="104598631263" name="fb:pages"/><meta data-rh="true" content="119817336421" name="fb:pages"/><meta data-rh="true" content="251907774312" name="fb:pages"/><meta data-rh="true" content="347700997164" name="fb:pages"/><meta data-rh="true" content="492499720777787" name="fb:pages"/><meta data-rh="true" content="95683517460" name="fb:pages"/><meta data-rh="true" content="The latest Ask an expert news, articles, data, and analysis from WAtoday" name="og:description"/><meta data-rh="true" content="https://www.watoday.com.au/metro-assets/assets/static/watoday.png" name="og:image"/><meta data-rh="true" content="WAtoday logo" property="og:image:alt"/><meta data-rh="true" content="1200" property="og:image:width"/><meta data-rh="true" content="628" property="og:image:height"/><meta data-rh="true" content="https://www.watoday.com.au/metro-assets/assets/static/watoday.png" property="og:image:secure_url"/><meta data-rh="true" content="en_AU" name="og:locale"/><meta data-rh="true" content="WAtoday" name="og:site_name"/><meta data-rh="true" content="Topic | Ask an expert | WAtoday" name="og:title"/><meta data-rh="true" content="https://www.watoday.com.au/topic/ask-an-expert-1qi" name="og:url"/><meta data-rh="true" content="https://www.watoday.com.au/metro-assets/assets/static/watoday.png" name="parsely-image-url"/><meta data-rh="true" content="https://www.watoday.com.au/topic/ask-an-expert-1qi" name="parsely-link"/><meta data-rh="true" content="Topic | Ask an expert | WAtoday" name="parsely-title"/><meta data-rh="true" content="NewsArticle" name="parsely-type"/><meta data-rh="true" content="WAtoday" name="parsely-section"/><meta data-rh="true" content="summary_large_image" name="twitter:card"/><meta data-rh="true" content="The latest Ask an expert news, articles, data, and analysis from WAtoday" name="twitter:description"/><meta data-rh="true" content="WAtoday logo" name="twitter:image:alt"/><meta data-rh="true" content="https://www.watoday.com.au/metro-assets/assets/static/watoday.png" name="twitter:image:src"/><meta data-rh="true" content="@watoday" name="twitter:site"/><meta data-rh="true" content="Topic | Ask an expert | WAtoday" name="twitter:title"/><meta data-rh="true" content="382869784774-p0ssn246te4v8svpjq4lnckmj48hd2cf.apps.googleusercontent.com" name="google-signin-client_id"/><link data-rh="true" href="https://www.smh.com.au/topic/ask-an-expert-1qi" rel="canonical"/><link data-rh="true" href="/metro-assets/assets/static/favicons/watoday.ico" rel="icon" type="image/x-icon"/><link data-rh="true" href="/metro-assets/assets/static/apple-touch-icons/watoday.png" rel="apple-touch-icon"/><script data-rh="true" type="application/ld+json">{"@context":"http://schema.org","@type":"WebPage","isAccessibleForFree":false,"isPartOf":{"@type":["CreativeWork","Product"],"name":"WAtoday","productID":"watoday.com.au:webonly"}}</script><style data-styled="" data-styled-version="5.3.11">.clhnVQ{border-radius:4px;cursor:pointer;font-size:13px;-webkit-letter-spacing:1px;-moz-letter-spacing:1px;-ms-letter-spacing:1px;letter-spacing:1px;line-height:16px;margin:0;padding:8px 16px;text-transform:uppercase;}/*!sc*/ data-styled.g1[id="sc-5253e565-0"]{content:"clhnVQ,"}/*!sc*/ .jNzCFX{cursor:pointer;font-family:'PT Sans','Trebuchet MS','Arial Narrow',sans-serif;font-size:13px;margin:0;white-space:nowrap;}/*!sc*/ .jNzCFX:focus,.jNzCFX:hover{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ data-styled.g4[id="sc-5253e565-3"]{content:"jNzCFX,"}/*!sc*/ .doExGL{color:#fff;}/*!sc*/ data-styled.g5[id="sc-5253e565-4"]{content:"doExGL,"}/*!sc*/ .kcNkPl{background-color:#096dd2;color:#fff;font-weight:bold;}/*!sc*/ .kcNkPl:focus,.kcNkPl:hover{background-color:#4095ec;}/*!sc*/ .kcNkPl:active{background-color:#4095ec;}/*!sc*/ data-styled.g6[id="sc-5253e565-5"]{content:"kcNkPl,"}/*!sc*/ .bJHlMv{background-color:#096dd2;color:#fff;-webkit-transition:background-color .15s ease-in-out;transition:background-color .15s ease-in-out;font-weight:bold;}/*!sc*/ .bJHlMv:focus,.bJHlMv:hover{background-color:#0053a6;}/*!sc*/ .bJHlMv:active{background-color:#0053a6;}/*!sc*/ data-styled.g8[id="sc-5253e565-7"]{content:"bJHlMv,"}/*!sc*/ .iAbjVj{margin:0 auto;max-width:624px;min-width:320px;padding-left:20px;padding-right:20px;}/*!sc*/ @media only print{.iAbjVj{max-width:-webkit-fit-content;max-width:-moz-fit-content;max-width:fit-content;}}/*!sc*/ @media only screen and (min-width:750px){.iAbjVj{margin:0 auto;max-width:808px;min-width:736px;}}/*!sc*/ @media only screen and (min-width:1000px){.iAbjVj{margin:0 auto;max-width:1168px;min-width:1000px;}}/*!sc*/ data-styled.g9[id="sc-5253e565-8"]{content:"iAbjVj,"}/*!sc*/ .kgHFlj{color:#fff;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .kgHFlj:focus,.kgHFlj:hover{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ data-styled.g11[id="sc-5253e565-10"]{content:"kgHFlj,"}/*!sc*/ .iczfBg{color:#232323;cursor:pointer;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ .iczfBg:focus,.iczfBg:hover{-webkit-text-decoration:underline;text-decoration:underline;}/*!sc*/ data-styled.g12[id="sc-5253e565-11"]{content:"iczfBg,"}/*!sc*/ .brfrOy{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;min-width:250px;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;white-space:nowrap;position:absolute;top:-60px;right:40px;}/*!sc*/ @media only screen and (min-width:750px){.brfrOy{position:static;}}/*!sc*/ data-styled.g15[id="sc-5253e565-14"]{content:"brfrOy,"}/*!sc*/ .oQxeF{-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ data-styled.g19[id="sc-cba76dee-0"]{content:"oQxeF,"}/*!sc*/ .eSGWhI{background-color:#0a1633;color:#fff;font-size:14px;}/*!sc*/ data-styled.g26[id="sc-c96cc30f-0"]{content:"eSGWhI,"}/*!sc*/ @media only screen and (min-width:750px){.iehLKy{-webkit-columns:4;columns:4;padding:24px 0;}}/*!sc*/ data-styled.g27[id="sc-26abfbb5-0"]{content:"iehLKy,"}/*!sc*/ .kjUJze{border-top:1px solid #454f64;padding:16px 0;position:relative;}/*!sc*/ @media only screen and (min-width:750px){.kjUJze{border:0;margin:24px 0 0;padding:0;}.kjUJze:first-child{margin:0 0 200px;}.kjUJze:nth-child(2){margin:0 0 280px;}.kjUJze:nth-child(4){margin-bottom:210px;}}/*!sc*/ .kjUJze:first-child{border:0;}/*!sc*/ data-styled.g28[id="sc-40c0c804-0"]{content:"kjUJze,"}/*!sc*/ .htpHvi{margin-bottom:16px;}/*!sc*/ @media only screen and (min-width:750px){.htpHvi{margin-bottom:8px;}}/*!sc*/ data-styled.g29[id="sc-40c0c804-1"]{content:"htpHvi,"}/*!sc*/ .gCZCbF{font-size:15px;font-weight:bold;-webkit-letter-spacing:1px;-moz-letter-spacing:1px;-ms-letter-spacing:1px;letter-spacing:1px;line-height:20px;text-transform:uppercase;}/*!sc*/ data-styled.g30[id="sc-40c0c804-2"]{content:"gCZCbF,"}/*!sc*/ .ISHdk{height:40px;position:absolute;right:0;top:6px;width:40px;}/*!sc*/ @media only screen and (min-width:750px){.ISHdk{display:none;}}/*!sc*/ .ISHdk span{border:0;-webkit-clip:rect(1px,1px,1px,1px);clip:rect(1px,1px,1px,1px);height:1px;overflow:hidden;padding:0;position:absolute;white-space:nowrap;width:1px;}/*!sc*/ .ISHdk svg{color:#454f64;height:12px;stroke-width:4.000px;-webkit-transform:rotate(180deg);-ms-transform:rotate(180deg);transform:rotate(180deg);width:12px;}/*!sc*/ data-styled.g31[id="sc-40c0c804-3"]{content:"ISHdk,"}/*!sc*/ .iGlxyP{display:block;font-size:14px;line-height:24px;}/*!sc*/ data-styled.g32[id="sc-40c0c804-4"]{content:"iGlxyP,"}/*!sc*/ .gLEAWe{font-weight:normal;-webkit-text-decoration:none;text-decoration:none;}/*!sc*/ data-styled.g33[id="sc-1b52376c-0"]{content:"gLEAWe,"}/*!sc*/ .eGzLKI{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;border-top:1px solid #454f64;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;padding-bottom:56px;padding-top:32px;}/*!sc*/ @media only screen and (min-width:750px){.eGzLKI{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;padding-bottom:44px;padding-top:16px;}}/*!sc*/ data-styled.g34[id="sc-a53fe1e2-0"]{content:"eGzLKI,"}/*!sc*/ .cOnmAS{line-height:32px;}/*!sc*/ data-styled.g35[id="sc-a53fe1e2-1"]{content:"cOnmAS,"}/*!sc*/ @media only screen and (max-width:749px){.cKUJtL{margin-top:40px;}}/*!sc*/ data-styled.g36[id="sc-a53fe1e2-2"]{content:"cKUJtL,"}/*!sc*/ .chngFv{display:block;height:24px;}/*!sc*/ @media only screen and (min-width:750px){.chngFv{height:28px;}}/*!sc*/ data-styled.g37[id="sc-53ff3945-0"]{content:"chngFv,"}/*!sc*/ .eVhSwH{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;border-bottom:1px solid #454f64;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;padding:32px 0;}/*!sc*/ @media only screen and (min-width:750px){.eVhSwH{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;padding:24px 0;}}/*!sc*/ .eVhSwH .sc-53ff3945-0{height:24px;}/*!sc*/ @media only screen and (min-width:750px){.eVhSwH .sc-53ff3945-0{height:28px;}}/*!sc*/ data-styled.g39[id="sc-f33fa8-0"]{content:"eVhSwH,"}/*!sc*/ .jKElWq{margin-top:32px;}/*!sc*/ @media only screen and (min-width:750px){.jKElWq{margin-top:0;}}/*!sc*/ .jKElWq a{display:inline-block;margin-left:24px;}/*!sc*/ .jKElWq a:first-child{margin-left:0;}/*!sc*/ .jKElWq span{border:0;-webkit-clip:rect(1px,1px,1px,1px);clip:rect(1px,1px,1px,1px);height:1px;overflow:hidden;padding:0;position:absolute;white-space:nowrap;width:1px;}/*!sc*/ .jKElWq svg{color:#fff;}/*!sc*/ .jKElWq svg:focus,.jKElWq svg:hover{color:#096dd2;}/*!sc*/ data-styled.g40[id="sc-f33fa8-1"]{content:"jKElWq,"}/*!sc*/ .eKvuIa{height:96px;}/*!sc*/ @media only screen and (min-width:750px){.eKvuIa{height:113px;}}/*!sc*/ data-styled.g113[id="sc-decb0b26-0"]{content:"eKvuIa,"}/*!sc*/ .hUUKLo{background-color:#0a1633;position:relative;z-index:55;}/*!sc*/ data-styled.g114[id="sc-decb0b26-1"]{content:"hUUKLo,"}/*!sc*/ .bLfQZf{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;border-bottom:1px solid #454f64;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;height:48px;-webkit-box-pack:end;-webkit-justify-content:flex-end;-ms-flex-pack:end;justify-content:flex-end;padding:0 16px;}/*!sc*/ @media only screen and (min-width:750px){.bLfQZf{display:none;}}/*!sc*/ data-styled.g115[id="sc-decb0b26-2"]{content:"bLfQZf,"}/*!sc*/ .fwyYMk{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;}/*!sc*/ data-styled.g117[id="sc-decb0b26-4"]{content:"fwyYMk,"}/*!sc*/ .fsccAm{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;background-color:#0a1633;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;padding:8px 20px;text-align:center;width:100%;}/*!sc*/ @media only screen and (min-width:750px){.fsccAm{min-height:64px;}}/*!sc*/ @media only screen and (min-width:1000px){.fsccAm{margin:0 auto;max-width:1168px;min-width:1000px;min-height:64px;min-width:1000px;padding:0 20px;}}/*!sc*/ data-styled.g118[id="sc-decb0b26-5"]{content:"fsccAm,"}/*!sc*/ .bsWlOk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;width:100%;}/*!sc*/ @media only screen and (min-width:750px){.bsWlOk{width:50%;}}/*!sc*/ data-styled.g119[id="sc-decb0b26-6"]{content:"bsWlOk,"}/*!sc*/ .ikqrbF{text-align:left;width:25%;}/*!sc*/ data-styled.g120[id="sc-decb0b26-7"]{content:"ikqrbF,"}/*!sc*/ .giYNSE{border-bottom:1px solid #454f64;display:none;-webkit-flex-wrap:nowrap;-ms-flex-wrap:nowrap;flex-wrap:nowrap;width:100%;}/*!sc*/ @media only screen and (min-width:750px){.giYNSE{display:block;}}/*!sc*/ data-styled.g121[id="sc-decb0b26-8"]{content:"giYNSE,"}/*!sc*/ .dlenBS{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;background:#0a1633;color:#fff;display:none;font-size:13px;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-letter-spacing:1px;-moz-letter-spacing:1px;-ms-letter-spacing:1px;letter-spacing:1px;line-height:13px;min-height:48px;padding:0 20px;width:100%;}/*!sc*/ @media only screen and (min-width:750px){.dlenBS{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;}}/*!sc*/ @media only screen and (min-width:1000px){.dlenBS{margin:0 auto;max-width:1168px;min-width:1000px;min-width:1000px;padding:0 20px;}}/*!sc*/ data-styled.g122[id="sc-decb0b26-9"]{content:"dlenBS,"}/*!sc*/ .jgfOeL{border:0;cursor:pointer;height:32px;padding:0;width:32px;}/*!sc*/ @media only screen and (max-width:749px){.jgfOeL{left:-8px;position:relative;}}/*!sc*/ .jgfOeL:focus,.jgfOeL:hover{background-color:#677085;}/*!sc*/ .jgfOeL + button{margin-left:24px;}/*!sc*/ @media only screen and (max-width:749px){.jgfOeL + button{display:none;}}/*!sc*/ .jgfOeL span{border:0;-webkit-clip:rect(1px,1px,1px,1px);clip:rect(1px,1px,1px,1px);height:1px;overflow:hidden;padding:0;position:absolute;white-space:nowrap;width:1px;}/*!sc*/ .jgfOeL svg{color:#fff;height:16px;stroke-width:3px;width:16px;}/*!sc*/ @media only screen and (min-width:750px){.jgfOeL svg{height:24px;stroke-width:2px;width:24px;}}/*!sc*/ data-styled.g123[id="sc-decb0b26-10"]{content:"jgfOeL,"}/*!sc*/ .bOGEUO{background:none;border:0;color:#fff;cursor:pointer;font-size:13px;height:35px;-webkit-letter-spacing:.5px;-moz-letter-spacing:.5px;-ms-letter-spacing:.5px;letter-spacing:.5px;line-height:32px;padding:0 16px;}/*!sc*/ @media only screen and (min-width:750px){.bOGEUO{height:39px;padding-left:0;}}/*!sc*/ @media only screen and (min-width:1000px){.bOGEUO{padding-left:0;}}/*!sc*/ data-styled.g124[id="sc-decb0b26-11"]{content:"bOGEUO,"}/*!sc*/ .iixUBQ svg{height:28px;width:28px;}/*!sc*/ data-styled.g125[id="sc-decb0b26-12"]{content:"iixUBQ,"}/*!sc*/ .bNYa-dH{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:end;-webkit-justify-content:flex-end;-ms-flex-pack:end;justify-content:flex-end;position:relative;text-align:right;width:25%;}/*!sc*/ @media only screen and (max-width:749px){.bNYa-dH > a,.bNYa-dH > button{display:none;}}/*!sc*/ data-styled.g126[id="sc-decb0b26-13"]{content:"bNYa-dH,"}/*!sc*/ .iNTVkP{line-height:32px;margin-left:8px;padding:0;}/*!sc*/ data-styled.g127[id="sc-decb0b26-15"]{content:"iNTVkP,"}/*!sc*/ #hard-reg-wall-piano-id.hard-reg-wall-piano-active::before{background-image:linear-gradient(to bottom,rgb(255 255 255 / 0%),#fff);content:'';display:block;height:160px;left:0;position:absolute;top:-160px;width:100%;z-index:25;}/*!sc*/ @media only screen and (min-width:1000px){#hard-reg-wall-piano-id.hard-reg-wall-piano-active::before{margin-left:calc((100% * -0.14285714285714285) - (24px * 1.1428571428571428) + 24px);width:calc((100% * 1.1428571428571428) - (24px * -0.14285714285714285));}}/*!sc*/ @media only screen and (min-width:750px) and (max-width:999px){#hard-reg-wall-piano-id.hard-reg-wall-piano-active::before{margin-left:calc((100% * -0.1) - (24px * 1.1) + 24px);width:calc((100% * 1.2) - (24px * -0.2));}}/*!sc*/ #hard-reg-wall-piano-id{clear:both;margin:0 -20px;position:relative;}/*!sc*/ @media only screen and (min-width:750px){#hard-reg-wall-piano-id{left:calc((100% * 0.08333333333333333) - (24px * 0.9166666666666666) + 24px);margin:0;position:relative;width:calc((100% * 0.8333333333333334) - (24px * 0.16666666666666666));}}/*!sc*/ @media only screen and (min-width:1000px){#hard-reg-wall-piano-id{margin:0;width:calc((100% * 0.5833333333333334) - (24px * 0.4166666666666667));}}/*!sc*/ @media only screen and (min-width:1000px){#hard-reg-wall-piano-id.feature_article{left:0;margin:0;width:100%;}}/*!sc*/ @media only screen and (min-width:750px){#hard-reg-wall-piano-id.video{margin-left:calc((100% * -0.08333333333333333) - (24px * 1.0833333333333333) + 24px);margin-top:32px;width:100%;}}/*!sc*/ @media only screen and (min-width:750px){#hard-reg-wall-piano-id.video::before{margin-left:0;width:100%;}}/*!sc*/ #soft-reg-wall-piano-id{bottom:32px;box-shadow:0 1px 18px 0 rgb(0 0 0 / 12%),0 6px 10px 0 rgb(0 0 0 / 14%),0 3px 5px -1px rgb(0 0 0 / 20%);margin:0 auto;max-width:608px;opacity:0;-webkit-transition:bottom .8s ease-out .5s,opacity .8s ease .5s;transition:bottom .8s ease-out .5s,opacity .8s ease .5s;}/*!sc*/ @media only screen and (min-width:750px){#soft-reg-wall-piano-id{left:50%;right:initial;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);width:100%;}}/*!sc*/ @media only screen and (min-width:1000px){#soft-reg-wall-piano-id{left:calc(calc((100% * 0.4166666666666667) - (24px * 0.5833333333333334) + 24px) - 10px);}}/*!sc*/ @media only screen and (max-width:749px){#soft-reg-wall-piano-id{left:3%;margin:0 auto;max-width:480px;right:3%;}}/*!sc*/ @media only screen and (min-width:1000px){#soft-reg-wall-piano-id.feature_article{left:50%;}}/*!sc*/ @media only screen and (min-width:1000px){#soft-reg-wall-piano-id.video{left:50%;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}}/*!sc*/ #soft-reg-wall-piano-id.soft-reg-wall-piano-active{border-radius:8px;bottom:16px;opacity:1;position:fixed;z-index:60;}/*!sc*/ .tp-backdrop.tp-active{background:rgb(0 0 0 / 60%);}/*!sc*/ .tp-modal{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);}/*!sc*/ @media only screen and (min-width:750px){.tp-iframe-wrapper.tp-active{left:50%;position:absolute;top:calc(50% - 50px);-webkit-transform:translate(calc(-50% - 0.5px),-50%);-ms-transform:translate(calc(-50% - 0.5px),-50%);transform:translate(calc(-50% - 0.5px),-50%);}}/*!sc*/ #homepage-header-subscribe-button-piano-id{width:100%;}/*!sc*/ #meter-toaster-piano-id{bottom:0;left:0;opacity:0;position:fixed;right:0;-webkit-transform:translateY(100%);-ms-transform:translateY(100%);transform:translateY(100%);-webkit-transition:opacity .3s linear .5s,-webkit-transform .3s ease-in-out .5s;-webkit-transition:opacity .3s linear .5s,transform .3s ease-in-out .5s;transition:opacity .3s linear .5s,transform .3s ease-in-out .5s;width:100%;z-index:100;}/*!sc*/ @media only screen and (min-width:750px){#meter-toaster-piano-id{margin:0;}}/*!sc*/ #meter-toaster-piano-id.meter-toaster-piano-active{opacity:1;-webkit-transform:translateY(0);-ms-transform:translateY(0);transform:translateY(0);}/*!sc*/ #app-prompt-piano-id,#paywall-prompt-piano-id{bottom:0;left:0;position:fixed;right:0;width:100%;z-index:45;}/*!sc*/ #app-prompt-piano-id > .tp-container-inner{position:relative;z-index:45;}/*!sc*/ #app-prompt-piano-id.app-prompt-piano-active::before,#paywall-prompt-wrapper-piano-id.paywall-prompt-piano-active::before{background:linear-gradient( to bottom,rgb(255 255 255 / 50%) 0%,rgb(255 255 255 / 100%) 60% );content:'';height:100%;left:0;overflow:hidden;position:fixed;text-align:center;top:0;width:100%;z-index:40;}/*!sc*/ @media only screen and (min-width:750px){#app-prompt-piano-id.app-prompt-piano-active::before,#paywall-prompt-wrapper-piano-id.paywall-prompt-piano-active::before{background:linear-gradient( to bottom,rgb(255 255 255 / 50%) 0%,rgb(255 255 255 / 100%) 65% );}}/*!sc*/ #meter-prompt-piano-id.meter-prompt-piano-active{margin:24px -20px 0;}/*!sc*/ @media only screen and (min-width:750px){#meter-prompt-piano-id.meter-prompt-piano-active{margin:32px 0 0;}}/*!sc*/ #eoa-meter-prompt-piano-id.meter-prompt-piano-active{margin:24px -20px 0;}/*!sc*/ @media only screen and (min-width:750px){#eoa-meter-prompt-piano-id.meter-prompt-piano-active{margin:32px 0 0;}}/*!sc*/ data-styled.g133[id="sc-global-drSHxh1"]{content:"sc-global-drSHxh1,"}/*!sc*/ .ggGFMW{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;}/*!sc*/ data-styled.g141[id="sc-fa15c946-0"]{content:"ggGFMW,"}/*!sc*/ .hDAVTI{-webkit-animation:iOtnio 0.6s linear infinite;animation:iOtnio 0.6s linear infinite;border:2px solid transparent;border-radius:50%;border-top-color:#0a1633;height:2em;width:2em;}/*!sc*/ data-styled.g142[id="sc-fa15c946-1"]{content:"hDAVTI,"}/*!sc*/ .hMSwOm{border:0;-webkit-clip:rect(1px,1px,1px,1px);clip:rect(1px,1px,1px,1px);height:1px;overflow:hidden;padding:0;position:absolute;white-space:nowrap;width:1px;}/*!sc*/ data-styled.g143[id="sc-fa15c946-2"]{content:"hMSwOm,"}/*!sc*/ .eCKmNb{-webkit-clip:rect(0,0,0,0);clip:rect(0,0,0,0);height:1px;margin:-1px;overflow:hidden;padding:0;position:absolute;width:1px;}/*!sc*/ .eCKmNb:focus{background:#096dd2;-webkit-clip:auto;clip:auto;color:#fff;height:auto;left:0;margin:0;overflow:visible;padding:12px;right:0;-webkit-text-decoration:underline;text-decoration:underline;top:0;width:auto;z-index:95;}/*!sc*/ data-styled.g156[id="sc-5fcc61ad-0"]{content:"eCKmNb,"}/*!sc*/ #hard-reg-wall-piano-id.hard-reg-wall-piano-active::before{background-image:linear-gradient(to bottom,rgb(255 255 255 / 0%),#fff);content:'';display:block;height:160px;left:0;position:absolute;top:-160px;width:100%;z-index:25;}/*!sc*/ @media only screen and (min-width:1000px){#hard-reg-wall-piano-id.hard-reg-wall-piano-active::before{margin-left:calc((100% * -0.14285714285714285) - (24px * 1.1428571428571428) + 24px);width:calc((100% * 1.1428571428571428) - (24px * -0.14285714285714285));}}/*!sc*/ @media only screen and (min-width:750px) and (max-width:999px){#hard-reg-wall-piano-id.hard-reg-wall-piano-active::before{margin-left:calc((100% * -0.1) - (24px * 1.1) + 24px);width:calc((100% * 1.2) - (24px * -0.2));}}/*!sc*/ #hard-reg-wall-piano-id{clear:both;margin:0 -20px;position:relative;}/*!sc*/ @media only screen and (min-width:750px){#hard-reg-wall-piano-id{left:calc((100% * 0.08333333333333333) - (24px * 0.9166666666666666) + 24px);margin:0;position:relative;width:calc((100% * 0.8333333333333334) - (24px * 0.16666666666666666));}}/*!sc*/ @media only screen and (min-width:1000px){#hard-reg-wall-piano-id{margin:0;width:calc((100% * 0.5833333333333334) - (24px * 0.4166666666666667));}}/*!sc*/ @media only screen and (min-width:1000px){#hard-reg-wall-piano-id.feature_article{left:0;margin:0;width:100%;}}/*!sc*/ @media only screen and (min-width:750px){#hard-reg-wall-piano-id.video{margin-left:calc((100% * -0.08333333333333333) - (24px * 1.0833333333333333) + 24px);margin-top:32px;width:100%;}}/*!sc*/ @media only screen and (min-width:750px){#hard-reg-wall-piano-id.video::before{margin-left:0;width:100%;}}/*!sc*/ #soft-reg-wall-piano-id{bottom:32px;box-shadow:0 1px 18px 0 rgb(0 0 0 / 12%),0 6px 10px 0 rgb(0 0 0 / 14%),0 3px 5px -1px rgb(0 0 0 / 20%);margin:0 auto;max-width:608px;opacity:0;-webkit-transition:bottom .8s ease-out .5s,opacity .8s ease .5s;transition:bottom .8s ease-out .5s,opacity .8s ease .5s;}/*!sc*/ @media only screen and (min-width:750px){#soft-reg-wall-piano-id{left:50%;right:initial;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);width:100%;}}/*!sc*/ @media only screen and (min-width:1000px){#soft-reg-wall-piano-id{left:calc(calc((100% * 0.4166666666666667) - (24px * 0.5833333333333334) + 24px) - 10px);}}/*!sc*/ @media only screen and (max-width:749px){#soft-reg-wall-piano-id{left:3%;margin:0 auto;max-width:480px;right:3%;}}/*!sc*/ @media only screen and (min-width:1000px){#soft-reg-wall-piano-id.feature_article{left:50%;}}/*!sc*/ @media only screen and (min-width:1000px){#soft-reg-wall-piano-id.video{left:50%;-webkit-transform:translateX(-50%);-ms-transform:translateX(-50%);transform:translateX(-50%);}}/*!sc*/ #soft-reg-wall-piano-id.soft-reg-wall-piano-active{border-radius:8px;bottom:16px;opacity:1;position:fixed;z-index:60;}/*!sc*/ .tp-backdrop.tp-active{background:rgb(0 0 0 / 60%);}/*!sc*/ .tp-modal{-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);}/*!sc*/ @media only screen and (min-width:750px){.tp-iframe-wrapper.tp-active{left:50%;position:absolute;top:calc(50% - 50px);-webkit-transform:translate(calc(-50% - 0.5px),-50%);-ms-transform:translate(calc(-50% - 0.5px),-50%);transform:translate(calc(-50% - 0.5px),-50%);}}/*!sc*/ #homepage-header-subscribe-button-piano-id{width:100%;}/*!sc*/ #meter-toaster-piano-id{bottom:0;left:0;opacity:0;position:fixed;right:0;-webkit-transform:translateY(100%);-ms-transform:translateY(100%);transform:translateY(100%);-webkit-transition:opacity .3s linear .5s,-webkit-transform .3s ease-in-out .5s;-webkit-transition:opacity .3s linear .5s,transform .3s ease-in-out .5s;transition:opacity .3s linear .5s,transform .3s ease-in-out .5s;width:100%;z-index:100;}/*!sc*/ @media only screen and (min-width:750px){#meter-toaster-piano-id{margin:0;}}/*!sc*/ #meter-toaster-piano-id.meter-toaster-piano-active{opacity:1;-webkit-transform:translateY(0);-ms-transform:translateY(0);transform:translateY(0);}/*!sc*/ #app-prompt-piano-id,#paywall-prompt-piano-id{bottom:0;left:0;position:fixed;right:0;width:100%;z-index:45;}/*!sc*/ #app-prompt-piano-id > .tp-container-inner{position:relative;z-index:45;}/*!sc*/ #app-prompt-piano-id.app-prompt-piano-active::before,#paywall-prompt-wrapper-piano-id.paywall-prompt-piano-active::before{background:linear-gradient( to bottom,rgb(255 255 255 / 50%) 0%,rgb(255 255 255 / 100%) 60% );content:'';height:100%;left:0;overflow:hidden;position:fixed;text-align:center;top:0;width:100%;z-index:40;}/*!sc*/ @media only screen and (min-width:750px){#app-prompt-piano-id.app-prompt-piano-active::before,#paywall-prompt-wrapper-piano-id.paywall-prompt-piano-active::before{background:linear-gradient( to bottom,rgb(255 255 255 / 50%) 0%,rgb(255 255 255 / 100%) 65% );}}/*!sc*/ #meter-prompt-piano-id.meter-prompt-piano-active{margin:24px -20px 0;}/*!sc*/ @media only screen and (min-width:750px){#meter-prompt-piano-id.meter-prompt-piano-active{margin:32px 0 0;}}/*!sc*/ #eoa-meter-prompt-piano-id.meter-prompt-piano-active{margin:24px -20px 0;}/*!sc*/ @media only screen and (min-width:750px){#eoa-meter-prompt-piano-id.meter-prompt-piano-active{margin:32px 0 0;}}/*!sc*/ data-styled.g209[id="sc-global-drSHxh2"]{content:"sc-global-drSHxh2,"}/*!sc*/ .fpcqoR{background:#fff;box-sizing:content-box;clear:both;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;line-height:1.2;min-height:66px;padding:24px 0 16px;}/*!sc*/ @media only screen and (min-width:750px){.fpcqoR{min-height:106px;padding:24px 0 16px;}}/*!sc*/ @media only screen and (min-width:1000px){.fpcqoR{min-height:266px;padding:24px 0 16px;}}/*!sc*/ .edUjwE{background:#fff;box-sizing:content-box;clear:both;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-webkit-justify-content:flex-start;-ms-flex-pack:start;justify-content:flex-start;line-height:1.2;min-height:66px;padding:24px 0 16px;}/*!sc*/ @media only screen and (min-width:750px){.edUjwE{min-height:106px;padding:24px 0 16px;}}/*!sc*/ @media only screen and (min-width:1000px){.edUjwE{min-height:106px;padding:24px 0 16px;}}/*!sc*/ data-styled.g210[id="sc-54c4a04e-0"]{content:"fpcqoR,edUjwE,"}/*!sc*/ .hVAhMy{-webkit-align-self:flex-end;-ms-flex-item-align:end;align-self:flex-end;color:#555;display:none;font-size:10px;line-height:12px;margin-top:4px;text-align:center;width:100%;}/*!sc*/ data-styled.g212[id="sc-54c4a04e-2"]{content:"hVAhMy,"}/*!sc*/ .dtxwlC{background-color:#f4f5f7;}/*!sc*/ data-styled.g216[id="sc-7e695d1d-0"]{content:"dtxwlC,"}/*!sc*/ .jTcowZ{aspect-ratio:auto 1.7777777777777777;display:block;width:100%;}/*!sc*/ .eOOgRW{aspect-ratio:auto 1;display:block;width:100%;}/*!sc*/ @media only screen and (min-width:750px){.eOOgRW{aspect-ratio:auto 1.5;}}/*!sc*/ data-styled.g217[id="sc-7e695d1d-1"]{content:"jTcowZ,eOOgRW,"}/*!sc*/ .UykoG{-webkit-align-self:flex-start;-ms-flex-item-align:start;align-self:flex-start;-webkit-box-flex:0;-webkit-flex-grow:0;-ms-flex-positive:0;flex-grow:0;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;position:relative;width:620px;}/*!sc*/ @media only screen and (min-width:750px){.UykoG{width:458px;}}/*!sc*/ @media only screen and (min-width:1000px){.UykoG{width:647px;}}/*!sc*/ @media only print{.UykoG{width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;}}/*!sc*/ .bMQKtX{-webkit-align-self:flex-start;-ms-flex-item-align:start;align-self:flex-start;-webkit-box-flex:0;-webkit-flex-grow:0;-ms-flex-positive:0;flex-grow:0;-webkit-flex-shrink:0;-ms-flex-negative:0;flex-shrink:0;position:relative;width:96px;}/*!sc*/ @media only screen and (min-width:750px){.bMQKtX{width:216px;}}/*!sc*/ @media only screen and (min-width:1000px){.bMQKtX{width:236px;}}/*!sc*/ @media only print{.bMQKtX{width:-webkit-fit-content;width:-moz-fit-content;width:fit-content;}}/*!sc*/ data-styled.g219[id="sc-8825a2fb-0"]{content:"UykoG,bMQKtX,"}/*!sc*/ .galjxc{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-webkit-justify-content:center;-ms-flex-pack:center;justify-content:center;margin-top:16px;overflow:hidden;}/*!sc*/ .galjxc::before,.galjxc::after{border-top:1px solid #d7dbe3;content:'';position:relative;top:20px;width:45%;}/*!sc*/ .galjxc::before{right:16px;}/*!sc*/ .galjxc::after{left:16px;}/*!sc*/ data-styled.g249[id="sc-3384e10d-0"]{content:"galjxc,"}/*!sc*/ .iBnwQg{border:none;display:block;font-weight:bold;min-width:155px;padding:12px 28px;}/*!sc*/ @media only screen and (min-width:750px){.iBnwQg{min-width:168px;}}/*!sc*/ data-styled.g250[id="sc-3384e10d-1"]{content:"iBnwQg,"}/*!sc*/ .dlCdtD{border-bottom:1px solid #d7dbe3;border-top:1px solid #d7dbe3;}/*!sc*/ data-styled.g253[id="sc-1eabb863-0"]{content:"dlCdtD,"}/*!sc*/ .kFNNi{display:block;font-size:13px;margin-bottom:12px;}/*!sc*/ data-styled.g266[id="sc-7bc57f94-0"]{content:"kFNNi,"}/*!sc*/ .efkbvd{display:inline-block;margin-left:12px;}/*!sc*/ .efkbvd:first-child{margin-left:0;}/*!sc*/ data-styled.g267[id="sc-7bc57f94-1"]{content:"efkbvd,"}/*!sc*/ .kVxcWg{background-color:transparent;color:#0a1633;font-size:13px;font-weight:bold;line-height:16px;padding:0;}/*!sc*/ data-styled.g268[id="sc-7bc57f94-2"]{content:"kVxcWg,"}/*!sc*/ .ksaujS{color:#096dd2;}/*!sc*/ data-styled.g269[id="sc-7bc57f94-3"]{content:"ksaujS,"}/*!sc*/ .ivhppT{color:#555;font-size:13px;line-height:16px;margin-top:12px;}/*!sc*/ data-styled.g270[id="sc-7c54e368-0"]{content:"ivhppT,"}/*!sc*/ .lnqnFb{border-left:1px solid #d7dbe3;display:inline;margin-left:8px;padding-left:8px;}/*!sc*/ .sc-7c54e368-1 + .sc-7c54e368-2,.lnqnFb:first-child{border-left:0;margin-left:0;padding-left:0;}/*!sc*/ data-styled.g272[id="sc-7c54e368-2"]{content:"lnqnFb,"}/*!sc*/ .cOAIwH{font-weight:bold;}/*!sc*/ data-styled.g273[id="sc-7c54e368-3"]{content:"cOAIwH,"}/*!sc*/ .llBnMt{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;gap:20px 24px;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-align-items:stretch;-webkit-box-align:stretch;-ms-flex-align:stretch;align-items:stretch;-webkit-flex-flow:column wrap;-ms-flex-flow:column wrap;flex-flow:column wrap;}/*!sc*/ @media only screen and (min-width:750px){.llBnMt{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;-webkit-flex-flow:row nowrap;-ms-flex-flow:row nowrap;flex-flow:row nowrap;}}/*!sc*/ @media only screen and (min-width:1000px){.llBnMt{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;-webkit-flex-flow:row nowrap;-ms-flex-flow:row nowrap;flex-flow:row nowrap;}}/*!sc*/ .cXxWOT{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;gap:20px 24px;-webkit-box-pack:justify;-webkit-justify-content:space-between;-ms-flex-pack:justify;justify-content:space-between;-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;-webkit-flex-flow:row-reverse nowrap;-ms-flex-flow:row-reverse nowrap;flex-flow:row-reverse nowrap;}/*!sc*/ data-styled.g274[id="sc-679b6ed4-0"]{content:"llBnMt,cXxWOT,"}/*!sc*/ .fszuda{color:#555;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-flex:1;-webkit-flex-grow:1;-ms-flex-positive:1;flex-grow:1;-webkit-flex-shrink:1;-ms-flex-negative:1;flex-shrink:1;}/*!sc*/ data-styled.g275[id="sc-679b6ed4-1"]{content:"fszuda,"}/*!sc*/ .eVBpTp.eVBpTp{font-family:'Abril Titling Bold','Book Antiqua',Palatino,'Palatino Linotype','Palatino LT STD',Georgia,serif;font-size:22px;font-weight:normal;line-height:20px;}/*!sc*/ @media only screen and (min-width:750px){.eVBpTp.eVBpTp{font-size:28px;}}/*!sc*/ @media only screen and (min-width:1000px){.eVBpTp.eVBpTp{font-size:36px;line-height:24px;}}/*!sc*/ .eVBpTp.eVBpTp a{color:#0a1633;-webkit-transition:color .2s ease-out;transition:color .2s ease-out;}/*!sc*/ .eVBpTp.eVBpTp a:focus,.eVBpTp.eVBpTp a:hover{color:#096dd2;-webkit-text-decoration-color:transparent;text-decoration-color:transparent;-webkit-text-decoration-line:underline;text-decoration-line:underline;}/*!sc*/ .eVBpTp.eVBpTp a:visited{color:#767676;}/*!sc*/ .eglJCU.eglJCU{font-family:'Abril Titling Bold','Book Antiqua',Palatino,'Palatino Linotype','Palatino LT STD',Georgia,serif;font-size:18px;font-weight:normal;line-height:20px;}/*!sc*/ @media only screen and (min-width:750px){.eglJCU.eglJCU{font-size:18px;}}/*!sc*/ @media only screen and (min-width:1000px){.eglJCU.eglJCU{font-size:20px;line-height:24px;}}/*!sc*/ .eglJCU.eglJCU a{color:#0a1633;-webkit-transition:color .2s ease-out;transition:color .2s ease-out;}/*!sc*/ .eglJCU.eglJCU a:focus,.eglJCU.eglJCU a:hover{color:#096dd2;-webkit-text-decoration-color:transparent;text-decoration-color:transparent;-webkit-text-decoration-line:underline;text-decoration-line:underline;}/*!sc*/ .eglJCU.eglJCU a:visited{color:#767676;}/*!sc*/ data-styled.g276[id="sc-679b6ed4-2"]{content:"eVBpTp,eglJCU,"}/*!sc*/ .fPOWVa{font-family:'PT Serif',Georgia,Times,'Times New Roman',serif;font-size:16px;line-height:1.5em;margin-top:8px;}/*!sc*/ data-styled.g277[id="sc-679b6ed4-3"]{content:"fPOWVa,"}/*!sc*/ .axGVz{border-top:1px solid #d7dbe3;gap:16px;padding:24px 0;}/*!sc*/ @media only screen and (min-width:750px){.axGVz{gap:24px;}}/*!sc*/ .axGVz:first-of-type{border-top:none;}/*!sc*/ .axGVz .sc-7c54e368-3{font-weight:normal;}/*!sc*/ data-styled.g282[id="sc-371e0ea3-0"]{content:"axGVz,"}/*!sc*/ .cQKGgT{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-flow:column nowrap;-ms-flex-flow:column nowrap;flex-flow:column nowrap;margin:0 auto;}/*!sc*/ @media only screen and (min-width:1000px){.cQKGgT{width:calc((100% * 0.8333333333333334) - (24px * 0.16666666666666666));}}/*!sc*/ .sc-371e0ea3-1 + .sc-371e0ea3-1{border-top:1px solid #d7dbe3;}/*!sc*/ data-styled.g283[id="sc-371e0ea3-1"]{content:"cQKGgT,"}/*!sc*/ .iXGGuw{margin-bottom:16px;padding-top:12px;text-transform:uppercase;}/*!sc*/ @media only screen and (min-width:750px){.iXGGuw{margin-bottom:24px;}}/*!sc*/ data-styled.g284[id="sc-d45f2b3c-0"]{content:"iXGGuw,"}/*!sc*/ .dHJIbC{color:#0a1633;display:inline-block;font-size:1.125rem;-webkit-letter-spacing:2px;-moz-letter-spacing:2px;-ms-letter-spacing:2px;letter-spacing:2px;line-height:20px;}/*!sc*/ .dHJIbC a{color:#0a1633;-webkit-text-decoration:none;text-decoration:none;width:auto;}/*!sc*/ .dHJIbC a svg{display:none;height:16px;margin-bottom:3px;margin-left:2px;-webkit-transition:0.25s all ease-in-out;transition:0.25s all ease-in-out;width:16px;}/*!sc*/ .dHJIbC a span{border-bottom:2px solid transparent;color:#0a1633;-webkit-transition:none;transition:none;}/*!sc*/ .dHJIbC a:hover > span{color:#096dd2;}/*!sc*/ data-styled.g285[id="sc-d45f2b3c-1"]{content:"dHJIbC,"}/*!sc*/ .jIDFSg{padding:16px 0;}/*!sc*/ @media only screen and (min-width:750px){.jIDFSg{padding:24px 0;}}/*!sc*/ data-styled.g291[id="sc-1c01c11e-0"]{content:"jIDFSg,"}/*!sc*/ .fggAGB{left:0;position:relative;top:0;z-index:45;opacity:1;}/*!sc*/ data-styled.g292[id="sc-8e0bad8e-0"]{content:"fggAGB,"}/*!sc*/ .cdKpCV{gap:12px 24px;}/*!sc*/ .cdKpCV .sc-679b6ed4-2{font-size:22px;line-height:28px;}/*!sc*/ @media only screen and (min-width:750px){.cdKpCV .sc-679b6ed4-2{font-size:30px;line-height:36px;}}/*!sc*/ @media only screen and (min-width:1000px){.cdKpCV .sc-679b6ed4-2{font-size:36px;line-height:40px;}}/*!sc*/ .cdKpCV .sc-679b6ed4-3{line-height:20px;}/*!sc*/ @media only screen and (max-width:749px){.cdKpCV .sc-8825a2fb-0{margin-left:-20px;margin-right:-20px;min-width:calc(100% + 40px);width:auto;}}/*!sc*/ data-styled.g293[id="sc-5d1aa62f-0"]{content:"cdKpCV,"}/*!sc*/ .cxNglM{padding:16px 0 14px;}/*!sc*/ @media only screen and (min-width:750px){.cxNglM{padding:32px 0 24px;}}/*!sc*/ data-styled.g295[id="sc-1a41baba-0"]{content:"cxNglM,"}/*!sc*/ .bSMiBu{font-family:'Abril Titling Bold','Book Antiqua',Palatino,'Palatino Linotype','Palatino LT STD',Georgia,serif;font-size:28px;font-weight:normal;line-height:32px;text-align:center;}/*!sc*/ @media only screen and (min-width:750px){.bSMiBu{font-size:48px;line-height:56px;}}/*!sc*/ data-styled.g296[id="sc-1a41baba-1"]{content:"bSMiBu,"}/*!sc*/ .cKdvzb{padding-bottom:50px;}/*!sc*/ .cKdvzb .sc-1a41baba-0 + .sc-48bf8b3b-0{margin-top:0;}/*!sc*/ .cKdvzb .sc-9eaef537-0{border-bottom:1px solid #d7dbe3;padding-bottom:24px;}/*!sc*/ @media only screen and (min-width:750px){.cKdvzb{padding-bottom:64px;}}/*!sc*/ data-styled.g305[id="sc-8e1a3f91-0"]{content:"cKdvzb,"}/*!sc*/ .kYdpCf{border-bottom:1px solid #d7dbe3;border-top:3px solid #0a1633;margin-bottom:0;margin-top:40px;padding:12px 20px;margin-left:-20px;margin-right:-20px;}/*!sc*/ @media only screen and (min-width:750px){.kYdpCf{margin-left:0;margin-right:0;padding-left:0;padding-right:0;}}/*!sc*/ .kYdpCf .sc-d45f2b3c-1{font-size:17px;}/*!sc*/ @media only screen and (min-width:750px){.kYdpCf .sc-d45f2b3c-1{font-size:20px;}}/*!sc*/ data-styled.g306[id="sc-8e1a3f91-1"]{content:"kYdpCf,"}/*!sc*/ .jHgMyg .sc-679b6ed4-3{display:none;}/*!sc*/ @media only screen and (min-width:750px){.jHgMyg .sc-679b6ed4-3{display:block;line-height:20px;}}/*!sc*/ data-styled.g307[id="sc-8e1a3f91-2"]{content:"jHgMyg,"}/*!sc*/ @-webkit-keyframes iOtnio{to{-webkit-transform:rotate(360deg);-ms-transform:rotate(360deg);transform:rotate(360deg);}}/*!sc*/ @keyframes iOtnio{to{-webkit-transform:rotate(360deg);-ms-transform:rotate(360deg);transform:rotate(360deg);}}/*!sc*/ data-styled.g308[id="sc-keyframes-iOtnio"]{content:"iOtnio,"}/*!sc*/ </style><script nonce="NV44a8EhgksSiOXMcQcdSg==">tp = window.tp || []; try { // Set Application ID tp.push(["setAid", 'lG1OZt97pa']); // Is application in sandbox? tp.push(["setSandbox", false]); // Does application use Piano ID? tp.push(["setUseTinypassAccounts", false]); tp.push(["setEndpoint", "https://buy-au.piano.io/api/v3"]); } catch (e) { console.error('Error - piano push failed', e); }; </script><link href="//www.googletagmanager.com" rel="dns-prefetch"/><script nonce="NV44a8EhgksSiOXMcQcdSg==">(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= '//www.googletagmanager.com/gtm.js?id='+i+dl+''; f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer', 'GTM-TCMZ2X6');</script><script nonce="NV44a8EhgksSiOXMcQcdSg==">(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= '//www.googletagmanager.com/gtm.js?id='+i+dl+'>m_auth=c2y9X32e_i3zlQq3NnphHg>m_preview=env-4'; f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayerGA4', 'GTM-WXLTTP27');</script><script async="" nonce="NV44a8EhgksSiOXMcQcdSg==" src="https://alib.nine.com.au" type="text/javascript"></script></head><body><div id="app"><nav><a class="sc-cba76dee-0 oQxeF sc-5fcc61ad-0 eCKmNb" href="/siteguide/accessibility">Open accessibility guide</a><a class="sc-cba76dee-0 oQxeF sc-5fcc61ad-0 eCKmNb" href="#sections">Skip to sections navigation</a><a class="sc-cba76dee-0 oQxeF sc-5fcc61ad-0 eCKmNb" href="#content">Skip to content</a><a class="sc-cba76dee-0 oQxeF sc-5fcc61ad-0 eCKmNb" href="#footer">Skip to footer</a></nav><header class="sc-decb0b26-0 eKvuIa"><div class="sc-decb0b26-1 hUUKLo noPrint"><div class="sc-decb0b26-2 bLfQZf"><button class="sc-5253e565-3 sc-5253e565-4 sc-decb0b26-15 jNzCFX doExGL iNTVkP">Log in</button></div><div class="sc-decb0b26-4 fwyYMk"><div class="sc-decb0b26-9 dlenBS"><button class="sc-decb0b26-11 bOGEUO"><span>Our network</span></button><div class="sc-decb0b26-13 bNYa-dH"><button class="sc-5253e565-3 sc-5253e565-4 sc-decb0b26-15 jNzCFX doExGL iNTVkP">Log in</button></div></div><div class="sc-decb0b26-8 giYNSE"></div><div class="sc-decb0b26-5 fsccAm"><div class="sc-decb0b26-7 ikqrbF"><button class="sc-decb0b26-10 jgfOeL"><span>Expand navigation menu</span><svg fill="none" height="24" stroke="currentColor" stroke-width="2" viewBox="0 0 24 24" width="24" xmlns="http://www.w3.org/2000/svg"><line stroke-linecap="round" x1="1" x2="23" y1="2" y2="2"></line><line stroke-linecap="round" x1="1" x2="23" y1="11" y2="11"></line><line stroke-linecap="round" x1="1" x2="23" y1="20" y2="20"></line></svg></button><button aria-label="Toggle search" class="sc-decb0b26-10 sc-decb0b26-12 jgfOeL iixUBQ"><span>Search</span><svg width="24" height="24" stroke="currentColor" stroke-width="1.5" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" clip-rule="evenodd" d="M10 16C13.3137 16 16 13.3137 16 10C16 6.68629 13.3137 4 10 4C6.68629 4 4 6.68629 4 10C4 13.3137 6.68629 16 10 16Z"></path><path d="M21 21L14 14"></path></svg></button></div><a class="sc-decb0b26-6 bsWlOk" href="https://www.watoday.com.au"><svg viewBox="0 0 178 43" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" data-testid="logo" class="sc-53ff3945-0 chngFv"><title>WAtoday</title><g stroke="none" stroke-width="1" fill="#fff" fill-rule="evenodd"><path d="M82.8538474,14.9756848 L82.8538474,26.5445543 C82.8538474,30.3285543 84.1476263,31.0165543 86.0868895,31.0165543 C86.8625947,31.0165543 87.7244895,30.8024891 88.6725737,30.4575543 L89.4051842,32.7804891 C88.4571,33.2964891 87.2935421,33.6834891 86.0437947,33.6834891 C81.9488579,33.6834891 79.9234053,31.2324891 79.9234053,26.8885543 L79.9234053,14.9756848 L76.9498684,14.9756848 L76.9498684,12.3096848 L79.9234053,12.3096848 L79.9234053,7.06275 L82.8538474,7.06275 L82.8538474,12.3096848 L88.9742368,12.3096848 L88.9742368,14.9756848 L82.8538474,14.9756848 Z"></path><path d="M101.001416,14.4598717 C96.3031526,14.4598717 93.4158053,18.4158717 93.4158053,22.8028065 C93.4158053,27.1888065 96.3031526,31.1466761 101.001416,31.1466761 C105.699679,31.1466761 108.587026,27.1888065 108.587026,22.8028065 C108.587026,18.4158717 105.699679,14.4598717 101.001416,14.4598717 M111.603658,22.8028065 C111.603658,28.9097413 107.251089,33.8117413 101.001416,33.8117413 C94.7517421,33.8117413 90.3991737,28.9097413 90.3991737,22.8028065 C90.3991737,16.6968065 94.7517421,11.792937 101.001416,11.792937 C107.251089,11.792937 111.603658,16.6968065 111.603658,22.8028065"></path><path d="M132.207252,17.7718065 C130.655841,15.7498717 127.939936,14.4598717 125.526631,14.4598717 C120.957652,14.4598717 117.682452,18.2448065 117.682452,22.7168065 C117.682452,27.2327413 120.914557,31.1466761 125.526631,31.1466761 C128.112315,31.1466761 130.999662,29.6407413 132.207252,27.1888065 L132.207252,17.7718065 Z M132.207252,30.5867413 C130.611809,32.6937413 128.026125,33.8117413 125.439504,33.8117413 C119.276957,33.8117413 114.664883,28.8667413 114.664883,22.8897413 C114.664883,16.9108717 119.320052,11.792937 125.482599,11.792937 C127.854683,11.792937 130.396336,12.6968717 132.207252,14.3738717 L132.207252,1.04293696 L135.137694,1.04293696 L135.137694,33.2957413 L132.207252,33.2957413 L132.207252,30.5867413 Z"></path><path d="M148.944217,22.8026196 C146.056869,22.8026196 142.694543,23.9636196 142.694543,27.2325543 C142.694543,29.7695543 144.676901,31.4035543 147.134238,31.4035543 C149.54848,31.4035543 151.875596,30.1565543 153.857954,28.2645543 L153.857954,23.4055543 C152.047975,22.9755543 150.452533,22.8026196 148.944217,22.8026196 L148.944217,22.8026196 Z M153.944143,30.8454891 C151.918691,33.0375543 149.462291,33.8115543 147.048985,33.8115543 C143.169522,33.8115543 139.764101,31.5334891 139.764101,27.5756196 C139.764101,22.4156196 144.591648,20.3946196 149.074438,20.3946196 C150.495627,20.3946196 151.961785,20.5666196 153.857954,21.0396196 L153.857954,19.8786196 C153.857954,16.3956196 152.133227,14.4596848 148.470175,14.4596848 C146.013775,14.4596848 143.255712,15.3626848 141.618112,16.2666196 L140.625996,13.6426848 C142.565259,12.7396848 145.840459,11.7936848 148.599459,11.7936848 C154.849133,11.7936848 156.788396,15.0626196 156.788396,20.4806196 L156.788396,33.2964891 L154.159617,33.2964891 L153.944143,30.8454891 Z"></path><g transform="translate(158.326316, 12.038037)"><polygon points="4.08406947 0.272021739 10.03208 18.0328913 16.3679432 0.272021739 19.5147958 0.272021739 8.09281684 30.8478261 5.59238526 29.8588261 8.39448 22.2908261 0.895058947 0.272021739"></polygon></g><path d="M24.2398526,10.4550761 L23.9700421,10.4550761 L15.4251053,33.0712065 C15.2452316,33.5657065 15.0203895,34.1938804 14.3008947,34.1938804 C13.8062421,34.1938804 13.5364316,33.8349239 13.3565579,33.2964891 L3.23772632,4.84638043 C2.78804211,3.59003261 1.97767368,3.2301413 1.39308421,3.2301413 L0.269810526,3.2301413 C0.0449684211,3.2301413 0,3.05159783 0,2.87211957 L0,1.70551087 C0,1.48022826 0.0449684211,1.39142391 0.359747368,1.39142391 C0.719494737,1.39142391 2.11351579,1.52509783 6.74526316,1.52509783 C9.98298947,1.52509783 11.8276316,1.39142391 12.2763789,1.39142391 C12.5911579,1.39142391 12.6361263,1.52509783 12.6361263,1.74944565 L12.6361263,2.87211957 C12.6361263,3.09646739 12.5911579,3.2301413 12.2763789,3.2301413 L11.2880105,3.2301413 C10.5675789,3.2301413 10.1188316,3.85925 10.3886421,4.7566413 L16.5493158,24.3216413 L16.8191263,24.3216413 C17.3587474,22.7951413 22.7558947,8.52661957 22.7558947,6.91038043 C22.7558947,5.7886413 22.3062105,4.62203261 21.9014947,4.08359783 C21.4958421,3.54422826 20.9112526,3.2301413 20.5515053,3.2301413 L19.6530737,3.2301413 C19.4272947,3.2301413 19.3823263,3.14133696 19.3823263,2.87211957 L19.3823263,1.70551087 C19.3823263,1.52509783 19.4272947,1.39142391 19.6971053,1.39142391 C20.1018211,1.39142391 21.6766526,1.52509783 25.6338737,1.52509783 C29.4121579,1.52509783 31.1209579,1.39142391 31.5697053,1.39142391 C31.8395158,1.39142391 31.8844842,1.52509783 31.8844842,1.79431522 L31.8844842,2.91698913 C31.8844842,3.09646739 31.8395158,3.2301413 31.5697053,3.2301413 L30.2215895,3.2301413 C29.5011579,3.2301413 29.0973789,4.21820652 29.3212842,4.98098913 L35.5278632,24.3216413 L35.7976737,24.3216413 C38.0011263,18.2193804 41.9133789,6.8206413 41.9133789,4.39768478 C41.9133789,3.90411957 41.3287895,3.2301413 40.4743895,3.2301413 L39.1712421,3.2301413 C38.9004947,3.2301413 38.8564632,3.09646739 38.8564632,2.82725 L38.8564632,1.70551087 C38.8564632,1.52509783 38.9004947,1.39142391 39.2152737,1.39142391 C39.6649579,1.39142391 41.2397895,1.52509783 44.0278316,1.52509783 C46.5460632,1.52509783 47.8501474,1.39142391 48.2098947,1.39142391 C48.4797053,1.39142391 48.5246737,1.48022826 48.5246737,1.79431522 L48.5246737,2.91698913 C48.5246737,3.09646739 48.5246737,3.2301413 48.2098947,3.2301413 L47.3554947,3.2301413 C46.5900947,3.2301413 45.6907263,3.7246413 45.2419789,4.84638043 C44.7023579,6.28220652 35.6618316,30.6491848 34.7624632,32.8019891 C34.5385579,33.3404239 34.2237789,34.1938804 33.4143474,34.1938804 C32.7838526,34.1938804 32.5149789,33.6105761 32.2901368,32.9824022 L24.2398526,10.4550761 Z"></path><path d="M60.0603853,19.20595 L56.6877537,7.31458043 C56.50788,6.64153696 56.4179432,6.32745 56.1931011,6.32745 C55.9232905,6.32745 55.7874484,6.50692826 55.65348,6.91075435 C55.4286379,7.4940587 51.5613537,18.0842109 51.2006695,19.20595 L60.0603853,19.20595 Z M50.61608,21.0007326 C50.2563326,21.9429935 48.0538168,28.0910587 48.0538168,29.5268848 C48.0538168,30.5140152 48.4575958,31.5908848 49.8075853,31.5908848 L51.3805432,31.5908848 C51.8311642,31.5908848 51.8761326,31.770363 51.8761326,31.9498413 L51.8761326,32.9369717 C51.8761326,33.2959283 51.8311642,33.430537 51.47048,33.430537 C50.8858905,33.430537 49.0421853,33.2959283 45.3547747,33.2959283 C42.07208,33.2959283 41.0818379,33.430537 40.45228,33.430537 C40.1824695,33.430537 40.1375011,33.1622543 40.1375011,32.8472326 L40.1375011,31.9947109 C40.1375011,31.7264283 40.1824695,31.5908848 40.45228,31.5908848 L41.6214589,31.5908848 C42.7016379,31.5908848 43.78088,30.9627109 44.6802484,29.6166239 C45.3098063,28.674363 48.5025642,20.8661239 49.9865221,16.9176022 C50.3472063,16.0202109 53.9896484,6.37231957 54.3943642,5.1608413 C54.5292695,4.71121087 54.7541116,4.12790652 54.4393326,3.63527609 C54.3034905,3.45486304 54.1245537,3.23051522 54.1245537,3.05197174 C54.1245537,2.91642826 54.2144905,2.73788478 54.5742379,2.64721087 C56.0132274,2.33312391 58.9361747,1.16651522 59.6116379,0.403732609 C59.8355432,0.179384783 59.9704484,-9.34782609e-05 60.1962274,-9.34782609e-05 C60.4660379,-9.34782609e-05 60.5550379,0.269123913 60.6899432,0.763623913 C61.5443432,3.59040652 65.0528168,13.6421239 65.9072168,16.5137761 C66.9414905,20.0136022 69.8644379,28.3602761 70.4949326,29.5717543 C71.2584589,31.05245 72.4276379,31.5908848 73.1031011,31.5908848 L74.6320274,31.5908848 C74.9018379,31.5908848 74.9468063,31.770363 74.9468063,31.9947109 L74.9468063,32.8472326 C74.9468063,33.11645 74.9018379,33.430537 74.5420905,33.430537 C73.6876905,33.430537 72.7424168,33.2959283 66.9864589,33.2959283 C63.2531432,33.2959283 61.6801853,33.430537 60.7808168,33.430537 C60.3301958,33.430537 60.2852274,33.1622543 60.2852274,32.8472326 L60.2852274,31.9947109 C60.2852274,31.770363 60.3301958,31.5908848 60.5550379,31.5908848 L61.8141537,31.5908848 C63.0292379,31.5908848 63.4339537,31.1421891 63.1641432,29.9755804 C62.7594274,28.3602761 61.0056589,22.616037 60.4660379,21.0007326 L50.61608,21.0007326 Z"></path></g></svg></a><div class="sc-decb0b26-13 bNYa-dH"><div class="sc-5253e565-14 brfrOy"><div class="noPrint" id="homepage-header-subscribe-button-piano-id"></div></div></div></div></div><nav id="primaryNavigation"></nav><nav id="myAccount"></nav><div id="serviceUnavailable"></div></div><div></div></header><!--$--><main id="content"><div class="sc-5253e565-8 sc-8e1a3f91-0 iAbjVj cKdvzb"><header data-testid="tag-header" class="sc-1a41baba-0 cxNglM"><h1 class="sc-1a41baba-1 bSMiBu">Ask an expert</h1></header><div data-testid="ad-sticky-container" class="sc-8e0bad8e-0 fggAGB"><div class="container"><div class="sc-54c4a04e-0 fpcqoR adWrapper noPrint sc-1c01c11e-0 jIDFSg" data-testid="ad"><div class="sc-54c4a04e-1 epCboS"></div><small class="sc-54c4a04e-2 hVAhMy">Advertisement</small></div></div></div><div class="sc-679b6ed4-0 llBnMt sc-5d1aa62f-0 cdKpCV" data-an-position="1" data-testid="story-tile"><figure class="sc-8825a2fb-0 UykoG"><a class="sc-cba76dee-0 oQxeF" href="/money/super-and-retirement/my-partner-is-18-years-older-than-me-how-do-we-plan-for-retirement-20250213-p5lbx8.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.3451%2C$multiply_0.611%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_10/t_crop_custom/q_86%2Cf_auto/5bcbe6e6f81c4412082c1790f8aa979004bdf0e9, https://static.ffx.io/images/$zoom_0.3451%2C$multiply_1.2219%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_10/t_crop_custom/q_62%2Cf_auto/5bcbe6e6f81c4412082c1790f8aa979004bdf0e9 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.3451%2C$multiply_0.4325%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_10/t_crop_custom/q_86%2Cf_auto/5bcbe6e6f81c4412082c1790f8aa979004bdf0e9, https://static.ffx.io/images/$zoom_0.3451%2C$multiply_0.865%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_10/t_crop_custom/q_62%2Cf_auto/5bcbe6e6f81c4412082c1790f8aa979004bdf0e9 2x"/><img alt="An age gap like this can provide opportunities from a tax and super perspective, but can catch you out on things like the pension." loading="eager" src="https://static.ffx.io/images/$zoom_0.3451%2C$multiply_0.5855%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_10/t_crop_custom/q_86%2Cf_auto/5bcbe6e6f81c4412082c1790f8aa979004bdf0e9" srcSet="https://static.ffx.io/images/$zoom_0.3451%2C$multiply_0.5855%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_10/t_crop_custom/q_86%2Cf_auto/5bcbe6e6f81c4412082c1790f8aa979004bdf0e9, https://static.ffx.io/images/$zoom_0.3451%2C$multiply_1.1709%2C$ratio_1.777778%2C$width_1059%2C$x_0%2C$y_10/t_crop_custom/q_62%2Cf_auto/5bcbe6e6f81c4412082c1790f8aa979004bdf0e9 2x" class="sc-7e695d1d-1 jTcowZ"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eVBpTp"><a class="sc-cba76dee-0 oQxeF" href="/money/super-and-retirement/my-partner-is-18-years-older-than-me-how-do-we-plan-for-retirement-20250213-p5lbx8.html">My partner is 18 years older than me. How do we plan for retirement?</a></h3><p class="sc-679b6ed4-3 fPOWVa">The failure of our pension system to recognise the desire for people to have their own financial agency is a major flaw.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-02-16T02:12:00+08:00">1 day ago</time></li><li class="sc-7c54e368-2 lnqnFb">Paul Benson</li></ul></div></div><section class="sc-8e1a3f91-2 jHgMyg" data-testid="storyset-assetlist"><header class="sc-d45f2b3c-0 iXGGuw sc-8e1a3f91-1 kYdpCf"><h2 data-pb-type="hi" class="sc-d45f2b3c-1 dHJIbC"><span>Latest</span></h2></header><div class="sc-371e0ea3-1 cQKGgT"><div class="sc-679b6ed4-0 cXxWOT sc-371e0ea3-0 axGVz" data-an-position="1" data-testid="story-tile"><figure class="sc-8825a2fb-0 bMQKtX"><a class="sc-cba76dee-0 oQxeF" href="/money/super-and-retirement/how-do-we-buy-shares-for-our-three-year-old-godson-20250211-p5lb6g.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.1461%2C$multiply_0.3122%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/4877141c49c9ffbc2561f55fbe5c92dedcfb46ee, https://static.ffx.io/images/$zoom_0.1461%2C$multiply_0.6243%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/4877141c49c9ffbc2561f55fbe5c92dedcfb46ee 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.1461%2C$multiply_0.2857%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/4877141c49c9ffbc2561f55fbe5c92dedcfb46ee, https://static.ffx.io/images/$zoom_0.1461%2C$multiply_0.5714%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/4877141c49c9ffbc2561f55fbe5c92dedcfb46ee 2x"/><img alt="If you鈥檙e planning to put money aside for a child or godchild there鈥檚 one investment option that makes the most sense." loading="lazy" src="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_78%2C$y_0/t_crop_custom/q_86%2Cf_auto/4877141c49c9ffbc2561f55fbe5c92dedcfb46ee" srcSet="https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_78%2C$y_0/t_crop_custom/q_86%2Cf_auto/4877141c49c9ffbc2561f55fbe5c92dedcfb46ee, https://static.ffx.io/images/$zoom_0.1096%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_78%2C$y_0/t_crop_custom/q_62%2Cf_auto/4877141c49c9ffbc2561f55fbe5c92dedcfb46ee 2x" class="sc-7e695d1d-1 eOOgRW"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eglJCU"><a class="sc-cba76dee-0 oQxeF" href="/money/super-and-retirement/how-do-we-buy-shares-for-our-three-year-old-godson-20250211-p5lb6g.html">How do we buy shares for our three-year-old godson?</a></h3><p class="sc-679b6ed4-3 fPOWVa">When it comes to investing on the behalf of people under the age of 18, you can fall foul of some punitive tax rules.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-02-12T02:04:00+08:00">February 12, 2025</time></li><li class="sc-7c54e368-2 lnqnFb">Noel Whittaker</li></ul></div></div><div class="sc-679b6ed4-0 cXxWOT sc-371e0ea3-0 axGVz" data-an-position="2" data-testid="story-tile"><figure class="sc-8825a2fb-0 bMQKtX"><a class="sc-cba76dee-0 oQxeF" href="/money/saving/we-earn-350k-a-year-but-struggle-to-save-what-can-we-do-about-this-20250207-p5laas.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.4383%2C$multiply_0.3122%2C$ratio_1.5%2C$width_756%2C$x_86%2C$y_0/t_crop_custom/q_86%2Cf_auto/d0f48d2dd1db96eb44bbad4027453e39aa7d01d1, https://static.ffx.io/images/$zoom_0.4383%2C$multiply_0.6243%2C$ratio_1.5%2C$width_756%2C$x_86%2C$y_0/t_crop_custom/q_62%2Cf_auto/d0f48d2dd1db96eb44bbad4027453e39aa7d01d1 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.4383%2C$multiply_0.2857%2C$ratio_1.5%2C$width_756%2C$x_86%2C$y_0/t_crop_custom/q_86%2Cf_auto/d0f48d2dd1db96eb44bbad4027453e39aa7d01d1, https://static.ffx.io/images/$zoom_0.4383%2C$multiply_0.5714%2C$ratio_1.5%2C$width_756%2C$x_86%2C$y_0/t_crop_custom/q_62%2Cf_auto/d0f48d2dd1db96eb44bbad4027453e39aa7d01d1 2x"/><img alt="Piggy bank." loading="lazy" src="https://static.ffx.io/images/$zoom_0.3691%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/4cd61acbe223f9dbf12b29134d52993dd7336452" srcSet="https://static.ffx.io/images/$zoom_0.3691%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/4cd61acbe223f9dbf12b29134d52993dd7336452, https://static.ffx.io/images/$zoom_0.3691%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/4cd61acbe223f9dbf12b29134d52993dd7336452 2x" class="sc-7e695d1d-1 eOOgRW"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eglJCU"><a class="sc-cba76dee-0 oQxeF" href="/money/saving/we-earn-350k-a-year-but-struggle-to-save-what-can-we-do-about-this-20250207-p5laas.html">We earn $350k a year but struggle to save. What can we do about this?</a></h3><p class="sc-679b6ed4-3 fPOWVa">If you鈥檙e struggling to save, it could just be that you鈥檙e currently in the most expensive period of your life.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-02-09T02:01:00+08:00">February 9, 2025</time></li><li class="sc-7c54e368-2 lnqnFb">Paul Benson</li></ul></div></div><div class="sc-679b6ed4-0 cXxWOT sc-371e0ea3-0 axGVz" data-an-position="3" data-testid="story-tile"><figure class="sc-8825a2fb-0 bMQKtX"><a class="sc-cba76dee-0 oQxeF" href="/money/tax/my-super-has-reached-2m-can-i-dodge-the-transfer-balance-cap-20250204-p5l9de.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.3122%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/ba41d46a286b040a597d90b5b18a54c7e7eae6d8, https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.6243%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/ba41d46a286b040a597d90b5b18a54c7e7eae6d8 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.2857%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/ba41d46a286b040a597d90b5b18a54c7e7eae6d8, https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.5714%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/ba41d46a286b040a597d90b5b18a54c7e7eae6d8 2x"/><img alt="Try as you might, it can be hard to avoid being taxed on your excess super." loading="lazy" src="https://static.ffx.io/images/$zoom_0.42000000000000004%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_113%2C$y_0/t_crop_custom/q_86%2Cf_auto/ba41d46a286b040a597d90b5b18a54c7e7eae6d8" srcSet="https://static.ffx.io/images/$zoom_0.42000000000000004%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_113%2C$y_0/t_crop_custom/q_86%2Cf_auto/ba41d46a286b040a597d90b5b18a54c7e7eae6d8, https://static.ffx.io/images/$zoom_0.42000000000000004%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_113%2C$y_0/t_crop_custom/q_62%2Cf_auto/ba41d46a286b040a597d90b5b18a54c7e7eae6d8 2x" class="sc-7e695d1d-1 eOOgRW"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eglJCU"><a class="sc-cba76dee-0 oQxeF" href="/money/tax/my-super-has-reached-2m-can-i-dodge-the-transfer-balance-cap-20250204-p5l9de.html">My super has reached $2m, can I dodge the transfer balance cap?</a></h3><p class="sc-679b6ed4-3 fPOWVa">The transfer balance cap is a lifetime limit on the amount a person can move from super accumulation phase, and there aren鈥檛 many ways around it.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-02-05T02:01:00+08:00">February 5, 2025</time></li><li class="sc-7c54e368-2 lnqnFb">Noel Whittaker</li></ul></div></div><div class="sc-679b6ed4-0 cXxWOT sc-371e0ea3-0 axGVz" data-an-position="4" data-testid="story-tile"><figure class="sc-8825a2fb-0 bMQKtX"><a class="sc-cba76dee-0 oQxeF" href="/money/planning-and-budgeting/how-do-i-resolve-an-inheritance-dispute-with-my-siblings-20250131-p5l8kc.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.12%2C$multiply_0.3122%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6, https://static.ffx.io/images/$zoom_0.12%2C$multiply_0.6243%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.12%2C$multiply_0.2857%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6, https://static.ffx.io/images/$zoom_0.12%2C$multiply_0.5714%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6 2x"/><img alt="When inheritance comes into play, relations with siblings can get difficult." loading="lazy" src="https://static.ffx.io/images/$zoom_0.09%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_185%2C$y_0/t_crop_custom/q_86%2Cf_auto/bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6" srcSet="https://static.ffx.io/images/$zoom_0.09%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_185%2C$y_0/t_crop_custom/q_86%2Cf_auto/bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6, https://static.ffx.io/images/$zoom_0.09%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_185%2C$y_0/t_crop_custom/q_62%2Cf_auto/bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6 2x" class="sc-7e695d1d-1 eOOgRW"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eglJCU"><a class="sc-cba76dee-0 oQxeF" href="/money/planning-and-budgeting/how-do-i-resolve-an-inheritance-dispute-with-my-siblings-20250131-p5l8kc.html">How do I resolve an inheritance dispute with my siblings?</a></h3><p class="sc-679b6ed4-3 fPOWVa">The circumstances you鈥檝e presented here appear ridiculous, and frankly, disrespectful. It may be time to take matters a step further.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-02-02T02:01:00+08:00">February 2, 2025</time></li><li class="sc-7c54e368-2 lnqnFb">Paul Benson</li></ul></div></div><div class="sc-679b6ed4-0 cXxWOT sc-371e0ea3-0 axGVz" data-an-position="5" data-testid="story-tile"><figure class="sc-8825a2fb-0 bMQKtX"><a class="sc-cba76dee-0 oQxeF" href="/money/planning-and-budgeting/what-are-mutual-wills-and-why-would-i-choose-one-20250128-p5l7pg.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.3687%2C$multiply_0.3122%2C$ratio_1.5%2C$width_756%2C$x_161%2C$y_0/t_crop_custom/q_86%2Cf_auto/565a4684bc968df564454ce6f27c780442777526, https://static.ffx.io/images/$zoom_0.3687%2C$multiply_0.6243%2C$ratio_1.5%2C$width_756%2C$x_161%2C$y_0/t_crop_custom/q_62%2Cf_auto/565a4684bc968df564454ce6f27c780442777526 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.3687%2C$multiply_0.2857%2C$ratio_1.5%2C$width_756%2C$x_161%2C$y_0/t_crop_custom/q_86%2Cf_auto/565a4684bc968df564454ce6f27c780442777526, https://static.ffx.io/images/$zoom_0.3687%2C$multiply_0.5714%2C$ratio_1.5%2C$width_756%2C$x_161%2C$y_0/t_crop_custom/q_62%2Cf_auto/565a4684bc968df564454ce6f27c780442777526 2x"/><img alt="Mutual wills can be a useful way of ensuring provision is made for those you want to recognise in your will, particularly if you pass away before your partner." loading="lazy" src="https://static.ffx.io/images/$zoom_0.2091%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_117%2C$y_0/t_crop_custom/q_86%2Cf_auto/565a4684bc968df564454ce6f27c780442777526" srcSet="https://static.ffx.io/images/$zoom_0.2091%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_117%2C$y_0/t_crop_custom/q_86%2Cf_auto/565a4684bc968df564454ce6f27c780442777526, https://static.ffx.io/images/$zoom_0.2091%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_117%2C$y_0/t_crop_custom/q_62%2Cf_auto/565a4684bc968df564454ce6f27c780442777526 2x" class="sc-7e695d1d-1 eOOgRW"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eglJCU"><a class="sc-cba76dee-0 oQxeF" href="/money/planning-and-budgeting/what-are-mutual-wills-and-why-would-i-choose-one-20250128-p5l7pg.html">What are mutual wills, and why would I choose one?</a></h3><p class="sc-679b6ed4-3 fPOWVa">Many couples want their wills to complement each other and ultimately protect their assets for any children from previous relationships.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-01-29T02:01:00+08:00">January 29, 2025</time></li><li class="sc-7c54e368-2 lnqnFb">Emma Blay</li></ul></div></div></div><div class="container"><div class="sc-54c4a04e-0 edUjwE adWrapper noPrint sc-1eabb863-0 dlCdtD" data-testid="ad"><div class="sc-54c4a04e-1 epCboS"></div><small class="sc-54c4a04e-2 hVAhMy">Advertisement</small></div></div><div class="sc-371e0ea3-1 cQKGgT"><div class="sc-679b6ed4-0 cXxWOT sc-371e0ea3-0 axGVz" data-an-position="1" data-testid="story-tile"><figure class="sc-8825a2fb-0 bMQKtX"><a class="sc-cba76dee-0 oQxeF" href="/money/planning-and-budgeting/i-m-67-in-debt-and-with-no-super-how-do-i-spend-a-450-000-inheritance-20250128-p5l7oc.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.3122%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/6c52922a8f29691f63f4f58beeab3c40f3a05014, https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.6243%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/6c52922a8f29691f63f4f58beeab3c40f3a05014 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.2857%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/6c52922a8f29691f63f4f58beeab3c40f3a05014, https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.5714%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/6c52922a8f29691f63f4f58beeab3c40f3a05014 2x"/><img alt="There can be many different strategies for handling an inheritance." loading="lazy" src="https://static.ffx.io/images/$zoom_0.47040000000000004%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_204%2C$y_1/t_crop_custom/q_86%2Cf_auto/6c52922a8f29691f63f4f58beeab3c40f3a05014" srcSet="https://static.ffx.io/images/$zoom_0.47040000000000004%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_204%2C$y_1/t_crop_custom/q_86%2Cf_auto/6c52922a8f29691f63f4f58beeab3c40f3a05014, https://static.ffx.io/images/$zoom_0.47040000000000004%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_204%2C$y_1/t_crop_custom/q_62%2Cf_auto/6c52922a8f29691f63f4f58beeab3c40f3a05014 2x" class="sc-7e695d1d-1 eOOgRW"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eglJCU"><a class="sc-cba76dee-0 oQxeF" href="/money/planning-and-budgeting/i-m-67-in-debt-and-with-no-super-how-do-i-spend-a-450-000-inheritance-20250128-p5l7oc.html">I鈥檓 67, in debt and with no super. How do I spend a $450,000 inheritance?</a></h3><p class="sc-679b6ed4-3 fPOWVa">If you鈥檙e about to receive a hefty inheritance, think carefully about how you might spend it.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-01-29T02:01:00+08:00">January 29, 2025</time></li><li class="sc-7c54e368-2 lnqnFb">Noel Whittaker</li></ul></div></div><div class="sc-679b6ed4-0 cXxWOT sc-371e0ea3-0 axGVz" data-an-position="2" data-testid="story-tile"><figure class="sc-8825a2fb-0 bMQKtX"><a class="sc-cba76dee-0 oQxeF" href="/money/investing/should-we-sell-our-investment-property-and-put-the-money-into-super-20250124-p5l6x2.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.3122%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/35343d3f39f7ce5abe557dde65f29a4ed214e908, https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.6243%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/35343d3f39f7ce5abe557dde65f29a4ed214e908 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.2857%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/35343d3f39f7ce5abe557dde65f29a4ed214e908, https://static.ffx.io/images/$zoom_0.56%2C$multiply_0.5714%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/35343d3f39f7ce5abe557dde65f29a4ed214e908 2x"/><img alt="There is the school of thought that once you buy a property the strategy should be to never sell. But you can鈥檛 eat bricks." loading="lazy" src="https://static.ffx.io/images/$zoom_0.42%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_59%2C$y_0/t_crop_custom/q_86%2Cf_auto/35343d3f39f7ce5abe557dde65f29a4ed214e908" srcSet="https://static.ffx.io/images/$zoom_0.42%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_59%2C$y_0/t_crop_custom/q_86%2Cf_auto/35343d3f39f7ce5abe557dde65f29a4ed214e908, https://static.ffx.io/images/$zoom_0.42%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_59%2C$y_0/t_crop_custom/q_62%2Cf_auto/35343d3f39f7ce5abe557dde65f29a4ed214e908 2x" class="sc-7e695d1d-1 eOOgRW"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eglJCU"><a class="sc-cba76dee-0 oQxeF" href="/money/investing/should-we-sell-our-investment-property-and-put-the-money-into-super-20250124-p5l6x2.html">Should we sell our investment property and put the money into super?</a></h3><p class="sc-679b6ed4-3 fPOWVa">There is the school of thought that once you buy a property the strategy should be to never sell. But you can鈥檛 eat bricks.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-01-26T04:56:29+08:00">January 26, 2025</time></li><li class="sc-7c54e368-2 lnqnFb">Paul Benson</li></ul></div></div><div class="sc-679b6ed4-0 cXxWOT sc-371e0ea3-0 axGVz" data-an-position="3" data-testid="story-tile"><figure class="sc-8825a2fb-0 bMQKtX"><a class="sc-cba76dee-0 oQxeF" href="/money/super-and-retirement/i-pay-more-tax-than-my-husband-will-that-affect-our-pension-20250121-p5l61c.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.3122%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/15db394ca4d14f12310f4900920026fc1afefe80, https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.6243%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/15db394ca4d14f12310f4900920026fc1afefe80 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.2857%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/15db394ca4d14f12310f4900920026fc1afefe80, https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.5714%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/15db394ca4d14f12310f4900920026fc1afefe80 2x"/><img alt="A tax imbalance in your relationship doesn鈥檛 have to sink your retirement." loading="lazy" src="https://static.ffx.io/images/$zoom_0.378%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_110%2C$y_0/t_crop_custom/q_86%2Cf_auto/15db394ca4d14f12310f4900920026fc1afefe80" srcSet="https://static.ffx.io/images/$zoom_0.378%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_110%2C$y_0/t_crop_custom/q_86%2Cf_auto/15db394ca4d14f12310f4900920026fc1afefe80, https://static.ffx.io/images/$zoom_0.378%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_110%2C$y_0/t_crop_custom/q_62%2Cf_auto/15db394ca4d14f12310f4900920026fc1afefe80 2x" class="sc-7e695d1d-1 eOOgRW"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eglJCU"><a class="sc-cba76dee-0 oQxeF" href="/money/super-and-retirement/i-pay-more-tax-than-my-husband-will-that-affect-our-pension-20250121-p5l61c.html">I pay more tax than my husband. Will that affect our pension?</a></h3><p class="sc-679b6ed4-3 fPOWVa">There are numerous factors for couples to consider when they start to get towards pensionable age.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-01-22T02:01:00+08:00">January 22, 2025</time></li><li class="sc-7c54e368-2 lnqnFb">Noel Whittaker</li></ul></div></div><div class="sc-679b6ed4-0 cXxWOT sc-371e0ea3-0 axGVz" data-an-position="4" data-testid="story-tile"><figure class="sc-8825a2fb-0 bMQKtX"><a class="sc-cba76dee-0 oQxeF" href="/money/planning-and-budgeting/hypothetically-what-would-happen-if-a-pensioner-won-1-million-20250117-p5l53x.html" tabindex="-1"><div class="sc-7e695d1d-0 dtxwlC"><picture><source media="(min-width: 1000px)" srcSet="https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.3122%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/8829b83717de0e7869d6ddbff7de8da8d138ea28, https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.6243%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/8829b83717de0e7869d6ddbff7de8da8d138ea28 2x"/><source media="(min-width: 750px)" srcSet="https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.2857%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_86%2Cf_auto/8829b83717de0e7869d6ddbff7de8da8d138ea28, https://static.ffx.io/images/$zoom_0.504%2C$multiply_0.5714%2C$ratio_1.5%2C$width_756%2C$x_0%2C$y_0/t_crop_custom/q_62%2Cf_auto/8829b83717de0e7869d6ddbff7de8da8d138ea28 2x"/><img alt="Winning big, at the casino or the lottery, would likely wipe our your pension." loading="lazy" src="https://static.ffx.io/images/$zoom_0.378%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_50%2C$y_0/t_crop_custom/q_86%2Cf_auto/8829b83717de0e7869d6ddbff7de8da8d138ea28" srcSet="https://static.ffx.io/images/$zoom_0.378%2C$multiply_0.254%2C$ratio_1%2C$width_378%2C$x_50%2C$y_0/t_crop_custom/q_86%2Cf_auto/8829b83717de0e7869d6ddbff7de8da8d138ea28, https://static.ffx.io/images/$zoom_0.378%2C$multiply_0.5079%2C$ratio_1%2C$width_378%2C$x_50%2C$y_0/t_crop_custom/q_62%2Cf_auto/8829b83717de0e7869d6ddbff7de8da8d138ea28 2x" class="sc-7e695d1d-1 eOOgRW"/></picture></div></a></figure><div class="sc-679b6ed4-1 fszuda"><ul class="sc-7bc57f94-0 kFNNi"><li class="sc-7bc57f94-1 sc-7bc57f94-2 efkbvd kVxcWg">Opinion</li><li data-pb-type="tg" class="sc-7bc57f94-1 efkbvd"><a href="/topic/opinion-1ql" class="sc-5253e565-11 sc-7bc57f94-3 iczfBg ksaujS">Opinion</a></li></ul><h3 class="sc-679b6ed4-2 eglJCU"><a class="sc-cba76dee-0 oQxeF" href="/money/planning-and-budgeting/hypothetically-what-would-happen-if-a-pensioner-won-1-million-20250117-p5l53x.html">Hypothetically, what would happen if a pensioner won $1 million?</a></h3><p class="sc-679b6ed4-3 fPOWVa">Should you win the lottery, I鈥檇 like to think that retaining your pension would be pretty low on your priority list.</p><ul class="sc-7c54e368-0 ivhppT"><li class="sc-7c54e368-2 sc-7c54e368-3 lnqnFb cOAIwH"><time data-testid="storytile-timestamp" dateTime="2025-01-19T02:01:00+08:00">January 19, 2025</time></li><li class="sc-7c54e368-2 lnqnFb">Paul Benson</li></ul></div></div></div><div class="sc-3384e10d-0 galjxc"><button class="sc-5253e565-0 sc-5253e565-7 sc-3384e10d-1 clhnVQ bJHlMv iBnwQg" type="button">Show more</button></div></section></div></main><!--/$--><div class="sc-c96cc30f-0 eSGWhI noPrint" id="footer"><div class="sc-5253e565-8 iAbjVj"><div class="sc-f33fa8-0 eVhSwH"><a href="https://www.watoday.com.au"><svg viewBox="0 0 178 43" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" data-testid="logo" class="sc-53ff3945-0 chngFv"><title>WAtoday</title><g stroke="none" stroke-width="1" fill="#fff" fill-rule="evenodd"><path d="M82.8538474,14.9756848 L82.8538474,26.5445543 C82.8538474,30.3285543 84.1476263,31.0165543 86.0868895,31.0165543 C86.8625947,31.0165543 87.7244895,30.8024891 88.6725737,30.4575543 L89.4051842,32.7804891 C88.4571,33.2964891 87.2935421,33.6834891 86.0437947,33.6834891 C81.9488579,33.6834891 79.9234053,31.2324891 79.9234053,26.8885543 L79.9234053,14.9756848 L76.9498684,14.9756848 L76.9498684,12.3096848 L79.9234053,12.3096848 L79.9234053,7.06275 L82.8538474,7.06275 L82.8538474,12.3096848 L88.9742368,12.3096848 L88.9742368,14.9756848 L82.8538474,14.9756848 Z"></path><path d="M101.001416,14.4598717 C96.3031526,14.4598717 93.4158053,18.4158717 93.4158053,22.8028065 C93.4158053,27.1888065 96.3031526,31.1466761 101.001416,31.1466761 C105.699679,31.1466761 108.587026,27.1888065 108.587026,22.8028065 C108.587026,18.4158717 105.699679,14.4598717 101.001416,14.4598717 M111.603658,22.8028065 C111.603658,28.9097413 107.251089,33.8117413 101.001416,33.8117413 C94.7517421,33.8117413 90.3991737,28.9097413 90.3991737,22.8028065 C90.3991737,16.6968065 94.7517421,11.792937 101.001416,11.792937 C107.251089,11.792937 111.603658,16.6968065 111.603658,22.8028065"></path><path d="M132.207252,17.7718065 C130.655841,15.7498717 127.939936,14.4598717 125.526631,14.4598717 C120.957652,14.4598717 117.682452,18.2448065 117.682452,22.7168065 C117.682452,27.2327413 120.914557,31.1466761 125.526631,31.1466761 C128.112315,31.1466761 130.999662,29.6407413 132.207252,27.1888065 L132.207252,17.7718065 Z M132.207252,30.5867413 C130.611809,32.6937413 128.026125,33.8117413 125.439504,33.8117413 C119.276957,33.8117413 114.664883,28.8667413 114.664883,22.8897413 C114.664883,16.9108717 119.320052,11.792937 125.482599,11.792937 C127.854683,11.792937 130.396336,12.6968717 132.207252,14.3738717 L132.207252,1.04293696 L135.137694,1.04293696 L135.137694,33.2957413 L132.207252,33.2957413 L132.207252,30.5867413 Z"></path><path d="M148.944217,22.8026196 C146.056869,22.8026196 142.694543,23.9636196 142.694543,27.2325543 C142.694543,29.7695543 144.676901,31.4035543 147.134238,31.4035543 C149.54848,31.4035543 151.875596,30.1565543 153.857954,28.2645543 L153.857954,23.4055543 C152.047975,22.9755543 150.452533,22.8026196 148.944217,22.8026196 L148.944217,22.8026196 Z M153.944143,30.8454891 C151.918691,33.0375543 149.462291,33.8115543 147.048985,33.8115543 C143.169522,33.8115543 139.764101,31.5334891 139.764101,27.5756196 C139.764101,22.4156196 144.591648,20.3946196 149.074438,20.3946196 C150.495627,20.3946196 151.961785,20.5666196 153.857954,21.0396196 L153.857954,19.8786196 C153.857954,16.3956196 152.133227,14.4596848 148.470175,14.4596848 C146.013775,14.4596848 143.255712,15.3626848 141.618112,16.2666196 L140.625996,13.6426848 C142.565259,12.7396848 145.840459,11.7936848 148.599459,11.7936848 C154.849133,11.7936848 156.788396,15.0626196 156.788396,20.4806196 L156.788396,33.2964891 L154.159617,33.2964891 L153.944143,30.8454891 Z"></path><g transform="translate(158.326316, 12.038037)"><polygon points="4.08406947 0.272021739 10.03208 18.0328913 16.3679432 0.272021739 19.5147958 0.272021739 8.09281684 30.8478261 5.59238526 29.8588261 8.39448 22.2908261 0.895058947 0.272021739"></polygon></g><path d="M24.2398526,10.4550761 L23.9700421,10.4550761 L15.4251053,33.0712065 C15.2452316,33.5657065 15.0203895,34.1938804 14.3008947,34.1938804 C13.8062421,34.1938804 13.5364316,33.8349239 13.3565579,33.2964891 L3.23772632,4.84638043 C2.78804211,3.59003261 1.97767368,3.2301413 1.39308421,3.2301413 L0.269810526,3.2301413 C0.0449684211,3.2301413 0,3.05159783 0,2.87211957 L0,1.70551087 C0,1.48022826 0.0449684211,1.39142391 0.359747368,1.39142391 C0.719494737,1.39142391 2.11351579,1.52509783 6.74526316,1.52509783 C9.98298947,1.52509783 11.8276316,1.39142391 12.2763789,1.39142391 C12.5911579,1.39142391 12.6361263,1.52509783 12.6361263,1.74944565 L12.6361263,2.87211957 C12.6361263,3.09646739 12.5911579,3.2301413 12.2763789,3.2301413 L11.2880105,3.2301413 C10.5675789,3.2301413 10.1188316,3.85925 10.3886421,4.7566413 L16.5493158,24.3216413 L16.8191263,24.3216413 C17.3587474,22.7951413 22.7558947,8.52661957 22.7558947,6.91038043 C22.7558947,5.7886413 22.3062105,4.62203261 21.9014947,4.08359783 C21.4958421,3.54422826 20.9112526,3.2301413 20.5515053,3.2301413 L19.6530737,3.2301413 C19.4272947,3.2301413 19.3823263,3.14133696 19.3823263,2.87211957 L19.3823263,1.70551087 C19.3823263,1.52509783 19.4272947,1.39142391 19.6971053,1.39142391 C20.1018211,1.39142391 21.6766526,1.52509783 25.6338737,1.52509783 C29.4121579,1.52509783 31.1209579,1.39142391 31.5697053,1.39142391 C31.8395158,1.39142391 31.8844842,1.52509783 31.8844842,1.79431522 L31.8844842,2.91698913 C31.8844842,3.09646739 31.8395158,3.2301413 31.5697053,3.2301413 L30.2215895,3.2301413 C29.5011579,3.2301413 29.0973789,4.21820652 29.3212842,4.98098913 L35.5278632,24.3216413 L35.7976737,24.3216413 C38.0011263,18.2193804 41.9133789,6.8206413 41.9133789,4.39768478 C41.9133789,3.90411957 41.3287895,3.2301413 40.4743895,3.2301413 L39.1712421,3.2301413 C38.9004947,3.2301413 38.8564632,3.09646739 38.8564632,2.82725 L38.8564632,1.70551087 C38.8564632,1.52509783 38.9004947,1.39142391 39.2152737,1.39142391 C39.6649579,1.39142391 41.2397895,1.52509783 44.0278316,1.52509783 C46.5460632,1.52509783 47.8501474,1.39142391 48.2098947,1.39142391 C48.4797053,1.39142391 48.5246737,1.48022826 48.5246737,1.79431522 L48.5246737,2.91698913 C48.5246737,3.09646739 48.5246737,3.2301413 48.2098947,3.2301413 L47.3554947,3.2301413 C46.5900947,3.2301413 45.6907263,3.7246413 45.2419789,4.84638043 C44.7023579,6.28220652 35.6618316,30.6491848 34.7624632,32.8019891 C34.5385579,33.3404239 34.2237789,34.1938804 33.4143474,34.1938804 C32.7838526,34.1938804 32.5149789,33.6105761 32.2901368,32.9824022 L24.2398526,10.4550761 Z"></path><path d="M60.0603853,19.20595 L56.6877537,7.31458043 C56.50788,6.64153696 56.4179432,6.32745 56.1931011,6.32745 C55.9232905,6.32745 55.7874484,6.50692826 55.65348,6.91075435 C55.4286379,7.4940587 51.5613537,18.0842109 51.2006695,19.20595 L60.0603853,19.20595 Z M50.61608,21.0007326 C50.2563326,21.9429935 48.0538168,28.0910587 48.0538168,29.5268848 C48.0538168,30.5140152 48.4575958,31.5908848 49.8075853,31.5908848 L51.3805432,31.5908848 C51.8311642,31.5908848 51.8761326,31.770363 51.8761326,31.9498413 L51.8761326,32.9369717 C51.8761326,33.2959283 51.8311642,33.430537 51.47048,33.430537 C50.8858905,33.430537 49.0421853,33.2959283 45.3547747,33.2959283 C42.07208,33.2959283 41.0818379,33.430537 40.45228,33.430537 C40.1824695,33.430537 40.1375011,33.1622543 40.1375011,32.8472326 L40.1375011,31.9947109 C40.1375011,31.7264283 40.1824695,31.5908848 40.45228,31.5908848 L41.6214589,31.5908848 C42.7016379,31.5908848 43.78088,30.9627109 44.6802484,29.6166239 C45.3098063,28.674363 48.5025642,20.8661239 49.9865221,16.9176022 C50.3472063,16.0202109 53.9896484,6.37231957 54.3943642,5.1608413 C54.5292695,4.71121087 54.7541116,4.12790652 54.4393326,3.63527609 C54.3034905,3.45486304 54.1245537,3.23051522 54.1245537,3.05197174 C54.1245537,2.91642826 54.2144905,2.73788478 54.5742379,2.64721087 C56.0132274,2.33312391 58.9361747,1.16651522 59.6116379,0.403732609 C59.8355432,0.179384783 59.9704484,-9.34782609e-05 60.1962274,-9.34782609e-05 C60.4660379,-9.34782609e-05 60.5550379,0.269123913 60.6899432,0.763623913 C61.5443432,3.59040652 65.0528168,13.6421239 65.9072168,16.5137761 C66.9414905,20.0136022 69.8644379,28.3602761 70.4949326,29.5717543 C71.2584589,31.05245 72.4276379,31.5908848 73.1031011,31.5908848 L74.6320274,31.5908848 C74.9018379,31.5908848 74.9468063,31.770363 74.9468063,31.9947109 L74.9468063,32.8472326 C74.9468063,33.11645 74.9018379,33.430537 74.5420905,33.430537 C73.6876905,33.430537 72.7424168,33.2959283 66.9864589,33.2959283 C63.2531432,33.2959283 61.6801853,33.430537 60.7808168,33.430537 C60.3301958,33.430537 60.2852274,33.1622543 60.2852274,32.8472326 L60.2852274,31.9947109 C60.2852274,31.770363 60.3301958,31.5908848 60.5550379,31.5908848 L61.8141537,31.5908848 C63.0292379,31.5908848 63.4339537,31.1421891 63.1641432,29.9755804 C62.7594274,28.3602761 61.0056589,22.616037 60.4660379,21.0007326 L50.61608,21.0007326 Z"></path></g></svg></a><div class="sc-f33fa8-1 jKElWq"><a href="https://twitter.com/watoday" rel="noopener noreferrer" target="_blank"><span>Twitter</span><svg fill="currentColor" height="24" viewBox="0 0 24 24" width="24" xmlns="http://www.w3.org/2000/svg"><path clip-rule="evenodd" d="M17.176 4H19.936L13.9061 11.2011L21 21H15.4454L11.0951 15.0569L6.11727 21H3.35539L9.80498 13.2977L3 4H8.69528L12.6277 9.43208L17.176 4ZM16.2073 19.2738H17.7367L7.86432 5.63561H6.22323L16.2073 19.2738Z" fill-rule="evenodd"></path></svg></a><a href="https://www.facebook.com/WAtoday" rel="noopener noreferrer" target="_blank"><span>Facebook</span><svg fill="currentColor" height="24" viewBox="0 0 24 24" width="24" xmlns="http://www.w3.org/2000/svg"><path clip-rule="evenodd" d="M17 8.44486H13.1731V6.68213C13.1731 5.85304 13.7057 5.65965 14.0805 5.65965H16.7597V2.01203L12.8781 2C9.35792 2 8.68992 4.71952 8.68992 6.46097V8.44486H6V12.1461H8.68992V22H13.1731V12.1461H16.6261L17 8.44486Z" fill-rule="evenodd"></path></svg></a><a href="https://www.instagram.com/watoday.com.au/" rel="noopener noreferrer" target="_blank"><span>Instagram</span><svg fill="currentColor" height="24" viewBox="0 0 24 24" width="24" xmlns="http://www.w3.org/2000/svg"><path clip-rule="evenodd" d="M2 6.4186C2 3.97828 3.97828 2 6.4186 2H17.5814C20.0217 2 22 3.97828 22 6.4186V17.5814C22 20.0217 20.0217 22 17.5814 22H6.4186C3.97828 22 2 20.0217 2 17.5814V6.4186ZM6.4186 3.39535C4.74891 3.39535 3.39535 4.74891 3.39535 6.4186V17.5814C3.39535 19.2511 4.74891 20.6047 6.4186 20.6047H17.5814C19.2511 20.6047 20.6047 19.2511 20.6047 17.5814V6.4186C20.6047 4.74891 19.2511 3.39535 17.5814 3.39535H6.4186Z" fill-rule="evenodd"></path><path clip-rule="evenodd" d="M12.0002 8.04647C9.81675 8.04647 8.04672 9.81651 8.04672 12C8.04672 14.1834 9.81675 15.9534 12.0002 15.9534C14.1837 15.9534 15.9537 14.1834 15.9537 12C15.9537 9.81651 14.1837 8.04647 12.0002 8.04647ZM6.65137 12C6.65137 9.04588 9.04612 6.65112 12.0002 6.65112C14.9543 6.65112 17.349 9.04588 17.349 12C17.349 14.954 14.9543 17.3488 12.0002 17.3488C9.04612 17.3488 6.65137 14.954 6.65137 12Z" fill-rule="evenodd"></path><path d="M19.4421 5.95345C19.4421 6.72408 18.8173 7.3488 18.0467 7.3488C17.2761 7.3488 16.6514 6.72408 16.6514 5.95345C16.6514 5.18282 17.2761 4.55811 18.0467 4.55811C18.8173 4.55811 19.4421 5.18282 19.4421 5.95345Z"></path></svg></a><a href="https://www.watoday.com.au/rssheadlines" rel="noopener noreferrer" target="_blank"><span>RSS</span><svg height="24" fill="currentColor" viewBox="0 0 24 24" width="24" xmlns="http://www.w3.org/2000/svg"><path clip-rule="evenodd" d="M13.05 21.0001C13.05 15.4498 8.55037 10.9501 3 10.9501V9.64355C9.27197 9.64355 14.3566 14.7282 14.3566 21.0001H13.05Z" fill-rule="evenodd"></path><path clip-rule="evenodd" d="M19.6934 21C19.6934 11.7802 12.2198 4.30656 3 4.30656V3C12.9414 3 21 11.0586 21 21H19.6934Z" fill-rule="evenodd"></path><path clip-rule="evenodd" d="M7.05993 18.7853C7.05993 19.8047 6.23393 20.6307 5.21454 20.6307C4.19514 20.6307 3.36914 19.8047 3.36914 18.7853C3.36914 17.7659 4.19514 16.9399 5.21454 16.9399C6.23393 16.9399 7.05993 17.7659 7.05993 18.7853Z" fill-rule="evenodd"></path></svg></a></div></div><div class="sc-26abfbb5-0 iehLKy"><div class="sc-40c0c804-0 kjUJze"><div class="sc-40c0c804-1 htpHvi"><h4 class="sc-40c0c804-2 gCZCbF">Our Sites</h4><button type="button" class="sc-40c0c804-3 ISHdk"><span>Open <!-- -->Our Sites<!-- --> section</span><svg width="32" height="32" viewBox="0 0 32 32" fill="none" stroke="currentColor" stroke-width="1.5" xmlns="http://www.w3.org/2000/svg"><path d="M4 10.6665L16 22.6665L28 10.6665"></path></svg></button></div><a href="https://www.watoday.com.au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">WAtoday</a><a href="https://www.smh.com.au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">The Sydney Morning Herald</a><a href="https://www.theage.com.au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">The Age</a><a href="https://www.brisbanetimes.com.au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Brisbane Times</a><a href="https://www.afr.com" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">The Australian Financial Review</a><a href="https://www.domain.com.au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Domain</a><a href="https://www.drive.com.au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Drive</a></div><div class="sc-40c0c804-0 kjUJze"><div class="sc-40c0c804-1 htpHvi"><h4 class="sc-40c0c804-2 gCZCbF">Classifieds</h4><button type="button" class="sc-40c0c804-3 ISHdk"><span>Open <!-- -->Classifieds<!-- --> section</span><svg width="32" height="32" viewBox="0 0 32 32" fill="none" stroke="currentColor" stroke-width="1.5" xmlns="http://www.w3.org/2000/svg"><path d="M4 10.6665L16 22.6665L28 10.6665"></path></svg></button></div><a href="https://tributes.watoday.com.au/obituaries/watoday-au/" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Tributes</a><a href="https://www.commercialrealestate.com.au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Commercial Real Estate</a></div><div class="sc-40c0c804-0 kjUJze"><div class="sc-40c0c804-1 htpHvi"><h4 class="sc-40c0c804-2 gCZCbF">WAtoday</h4><button type="button" class="sc-40c0c804-3 ISHdk"><span>Open <!-- -->WAtoday<!-- --> section</span><svg width="32" height="32" viewBox="0 0 32 32" fill="none" stroke="currentColor" stroke-width="1.5" xmlns="http://www.w3.org/2000/svg"><path d="M4 10.6665L16 22.6665L28 10.6665"></path></svg></button></div><a href="/contact-us" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Contact & support</a><a href="https://www.nineforbrands.com.au/advertising-enquiries/" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Advertise with us</a><a href="https://watoday.myfairfax.com.au/members/lite_session/new?callback_uri=https%3A%2F%2Fwatoday.myfairfax.com.au%2Fbeta%2Fmembers%2Fmy_account%2Fnewsletters%3Fchannel_key%3DcWvEleexy48f-PI5-jlBnw%26callback_uri%3Dhttps%253A%252F%252Fwww.watoday.com.au&channel_key=cWvEleexy48f-PI5-jlBnw" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Newsletters</a><a href="/siteguide/accessibility" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Accessibility guide</a><a href="/siteguide" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Sitemap</a><a href="https://consumer.licensing-publishing.nine.com.au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Photo sales</a><a href="https://professional.licensing-publishing.nine.com.au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Content licensing</a><a href="https://ninecareers.com.au/" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Work with us</a><a href="https://login.nine.com.au/terms?client_id=watoday" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Terms of use</a><a href="https://login.nine.com.au/privacy?client_id=watoday" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Privacy policy</a><a href="https://www.presscouncil.org.au/what-we-do" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Press Council</a><a href="/nine-publishing-charter-of-editorial-independence" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Charter of Editorial Independence</a><a href="/ai-editorial-guidelines" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">AI Editorial Guidelines</a></div><div class="sc-40c0c804-0 kjUJze"><div class="sc-40c0c804-1 htpHvi"><h4 class="sc-40c0c804-2 gCZCbF">Products & Services</h4><button type="button" class="sc-40c0c804-3 ISHdk"><span>Open <!-- -->Products & Services<!-- --> section</span><svg width="32" height="32" viewBox="0 0 32 32" fill="none" stroke="currentColor" stroke-width="1.5" xmlns="http://www.w3.org/2000/svg"><path d="M4 10.6665L16 22.6665L28 10.6665"></path></svg></button></div><a href="https://subscribe.watoday.com.au/?promote_channel=HI_FL_GNL" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Subscription packages</a><a href="https://www.watoday.com.au/myaccount" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">My account</a><a href="https://help.watoday.com.au/hc/en-au" class="sc-5253e565-10 sc-40c0c804-4 kgHFlj iGlxyP">Subscriber FAQs</a></div></div><div class="sc-a53fe1e2-0 eGzLKI"><div class="sc-a53fe1e2-1 cOnmAS">Copyright 漏 <!-- -->2025</div><div class="sc-a53fe1e2-2 cKUJtL"><a class="sc-5253e565-0 sc-5253e565-5 sc-1b52376c-0 clhnVQ kcNkPl gLEAWe" data-ffx-event-action="cta click" data-ffx-event-label="subscribe" data-ffx-hittype="event" data-testid="subscribe-upgrade" href="https://subscribe.watoday.com.au/?callback_uri=&promote_channel=HI_FL_GNL&utm_source=PremiumLogin&utm_medium=HouseInventory&utm_campaign=General" data-ffx-event-attribute="footer" data-ffx-event-category="component">Subscribe</a></div></div></div></div><script>window.__staticRouterHydrationData = JSON.parse("{\"loaderData\":{\"0\":null,\"0-3-5\":null,\"0-3\":null},\"actionData\":null,\"errors\":null}");</script></div><script nonce="NV44a8EhgksSiOXMcQcdSg==">window.ENVIRONMENT_VARIABLES = {"ADKIT_URL":"https:\u002F\u002Fadkit.9pub.io\u002F2.1.0","APP_NAME":"render-web-metro","APP_VERSION":"nil","AUTH_API_URL":undefined,"AUTH_SECRET":undefined,"BEYONDWORDS":{"PROJECT_ID":"34967"},"BRIGHTCOVE":{"ACCOUNT_ID":"3910869709001","PLAYER_ID":"HylmeNWLjl"},"COMMENTS_API":"https:\u002F\u002Fapi.ffx.io\u002Fapi\u002Fcomments","COMMENTS_METRO_API_URL":"https:\u002F\u002Fcomments-publishing.nine.com.au","DEPLOY_ENV":"production","DGAM":{"ID":"133009657","VIDEO_CONTENT_SOURCE_ID":"2667286"},"FRONT_API":{"TIMEOUT":5000,"URL":"https:\u002F\u002Fapi.watoday.com.au\u002Fgraphql"},"FRONT_CONTENT_AUDIENCE_API":{"TIMEOUT":5000,"TIMEOUT_CLIENT":10000,"URL":"https:\u002F\u002Fapi.watoday.com.au\u002Fapi\u002Fcontent-audience\u002Fmetro\u002Fgraphql"},"GOODFOOD":{"image":{"LOGO_HEIGHT":72,"LOGO_URL":"https:\u002F\u002Fwww.watoday.com.au\u002Fmetro-assets\u002Fassets\u002Fstatic\u002Fgoodfood.png","LOGO_WIDTH":345},"LONG_SITE_NAME":"WAtoday Good Food","NEWSLETTER_SIGNUP_CHANNEL_KEY":"cWvEleexy48f-PI5-jlBnw","social":{"facebook":{"appClientToken":"","appID":"503488889664154","pages":"104598631263,119817336421,251907774312,347700997164,492499720777787,95683517460","site":"https:\u002F\u002Fwww.facebook.com\u002Fgoodfoodau"},"ios":{"appID":"6472001316"},"instagram":{"site":"https:\u002F\u002Fwww.instagram.com\u002Fgoodfoodau"},"tiktok":{"site":"https:\u002F\u002Fwww.tiktok.com\u002F@goodfoodau?lang=en"},"twitter":{"site":"https:\u002F\u002Ftwitter.com\u002FgoodfoodAU","user":"@goodfoodAU"}}},"GOOGLE_PLACES_API_KEY":"AIzaSyCkfJTmGz6vu8DnLG0t2_8JcthFKJ1zBw0","GTM_ADDITIONAL_PARAMETERS":"","GTM_ADDITIONAL_PARAMETERS_GA4":">m_auth=c2y9X32e_i3zlQq3NnphHg>m_preview=env-4","GTM_API_KEY":"GTM-TCMZ2X6","GTM_API_KEY_GA4":"GTM-WXLTTP27","HAGRID_ENDPOINT":"https:\u002F\u002Fwatoday.myfairfax.com.au","HOSTNAME":"app-blue-app-app-69c8f74d45-zc4rb","IDENTIFICATION":{"ACCOUNT_BILLING_URL":"https:\u002F\u002Fwatoday.myfairfax.com.au\u002Fbeta\u002Fmembers\u002Fmy_account\u002Fbilling_details?ret_nt=true&channel_key=cWvEleexy48f-PI5-jlBnw","ACCOUNT_DETAILS_URL":"https:\u002F\u002Fwatoday.myfairfax.com.au\u002Fbeta\u002Fmembers\u002Fmy_account\u002Fprofile?channel_key=cWvEleexy48f-PI5-jlBnw","FORGOTTEN_PASSWORD_URL":"https:\u002F\u002Fwatoday.myfairfax.com.au\u002Fmembers\u002Fpassword\u002Fforget_password?callback_uri=\u003CREPLACE_ME\u003E&channel_key=cWvEleexy48f-PI5-jlBnw","REGISTRATION_URL":"https:\u002F\u002Fwatoday.myfairfax.com.au\u002Fchannel\u002FcWvEleexy48f-PI5-jlBnw\u002Fmembers\u002Fsignups\u002Fnew?callback_uri=\u003CREPLACE_ME\u003E"},"LOGGING":{"MINIMUM_LOG_LEVEL":"error","URL":"https:\u002F\u002Fl.ffx.io"},"MARKETING_CONVERSION_TAGS":{"FACEBOOK_CONVERSION_ID":"180886942654269","GOOGLE_FLOODLIGHT_CONVERSION_ID":"4273315"},"MEMBER_AUTH_API":{"TIMEOUT":5000,"URL":"https:\u002F\u002Fapi.watoday.com.au"},"NEWSLETTER_API":{"CHANNEL_KEY":"cWvEleexy48f-PI5-jlBnw","ID":2142,"LOGIN_CALLBACK_URL":"https:\u002F\u002Fwatoday.myfairfax.com.au","LOGOUT_CALLBACK_URL":"https:\u002F\u002Fwww.watoday.com.au","TIMEOUT":20000,"URL":"https:\u002F\u002Fwatoday.myfairfax.com.au"},"NODE_ENV":"production","PAGEBUILDER":{"ENABLED":false,"SCRIPT":"","VARIABLES":{"AUTHOR_PROFILE_URL":undefined,"BRAND_NAME":"watoday","CONTENT_API_TIMEOUT":"5000","CONTENT_API_URL":undefined,"DEPLOY_ENV":undefined,"EDITORIAL_TOOLS_HOST":undefined,"FRONT_API_URL":undefined,"FRONT_INTERNAL_API_URL":undefined,"FRONT_INTERNAL_API_WS_URL":undefined,"IMAGES_URL":undefined,"IMAGE_RENDITION_URL_PREFIX":"https:\u002F\u002Fstatic.ffx.io\u002Fimages","INDICATOR_ENV":"","LOGGING_MINIMUM_LOG_LEVEL":"error","LOGGING_URL":"https:\u002F\u002Fl.ffx.io","MEDIA_API_URL":undefined,"NEWSROOMS":undefined,"NEWSROOM_ID":undefined,"NOTIFICATIONS_URL":undefined,"PLANNING_URL":undefined,"SERVICE_ROLES":undefined,"SNOWPLOW_ENDPOINT":"i.ffx.io","STYLEGUIDE_URL":undefined,"TAG_URL":undefined,"TIMEZONE":undefined,"VIDEO_URL":undefined,"WIRES_URL":undefined,"WP_URL":undefined}},"PIANO":{"CXENSE_SITE_ID":"5859548802662136049","ENDPOINT":"https:\u002F\u002Fbuy-au.piano.io\u002Fapi\u002Fv3","ID":"lG1OZt97pa","IS_SANDBOX":"false"},"RENDER_MODE":undefined,"SNOWPLOW":{"ENDPOINT":"i.ffx.io"},"SUBSCRIBE_WITH_GOOGLE":{"CLIENT_ID":"382869784774-p0ssn246te4v8svpjq4lnckmj48hd2cf.apps.googleusercontent.com","PRODUCT_ID":"watoday.com.au:webonly","SKU_WEBBASIC":"monthly_webbasic_y23","SKU_ALLDIGITAL":"monthly_premium_web_y23"},"SUBSCRIPTION_NOTIFICATIONS":{"SESSION_EXPIRY_IN_MS":1800000},"TRACKING_LIBRARY_URL":"https:\u002F\u002Falib.nine.com.au","TRAVELLER":{"social":{"facebook":{"appClientToken":"","appID":"","pages":"","site":"https:\u002F\u002Fwww.facebook.com\u002FTravellerAU"},"ios":{"appID":"6472001316"},"instagram":{"site":"https:\u002F\u002Fwww.instagram.com\u002FTravellerAU"},"twitter":{"site":"https:\u002F\u002Ftwitter.com\u002FTravellerAU","user":"@TravellerAU"}}},"brand":{"city":"Perth","copyrightName":"WAT","image":{"LOGO_HEIGHT":628,"LOGO_URL":"https:\u002F\u002Fwww.watoday.com.au\u002Fmetro-assets\u002Fassets\u002Fstatic\u002Fwatoday.png","LOGO_WIDTH":1200},"longSiteName":"WAtoday","shortSiteName":"watoday","siteUrl":"https:\u002F\u002Fwww.watoday.com.au","social":{"facebook":{"appClientToken":"6e118973d4a0c4ba1e59e03849981d7b","appID":"254346064617808","pages":"251907774312,108603349088,144226982353442,1512741838937542,353068424784135","site":"https:\u002F\u002Fwww.facebook.com\u002FWAtoday"},"ios":{"appID":"6472001316"},"instagram":{"site":"https:\u002F\u002Fwww.instagram.com\u002Fwatoday.com.au\u002F"},"twitter":{"site":"https:\u002F\u002Ftwitter.com\u002Fwatoday","user":"@watoday"}},"state":"WA","subscriptionUrl":"https:\u002F\u002Fsubscribe.watoday.com.au\u002F?promote_channel=HI_HL_GNL","timeZone":"Australia\u002FPerth"},"imageRenditionUrlPrefix":"https:\u002F\u002Fstatic.ffx.io\u002Fimages"};</script><script nonce="NV44a8EhgksSiOXMcQcdSg==">window.INITIAL_STATE = {"articleRendering":{"isTruncatedView":false},"featureFlags":{"perm.render-web.adfixus.enabled":true,"perm.render-web-metro.ads.auto-refresh":true,"perm.render-web.ads.enable-adblock":false,"perm.render-web.ads.enable-lazyload":true,"perm.render-web.ads.enable-magnite":true,"perm.render-web.ads.enable-mantis":true,"perm.render-web.ads.enable-pubmatic":false,"perm.render-web.ads.enable-snowplow":false,"perm.render-web-metro.alib.enable-chartbeat":false,"perm.render-web-metro.alib.enable-ga":false,"perm.render-web-metro.alib.enable-parsely":false,"perm.render-web-metro.alib.enable-snowplow":true,"perm.render-web-metro.article.disable-facebook":false,"perm.render-web-metro.article.disable-infogram":false,"perm.render-web-metro.article.disable-instagram":false,"perm.render-web-metro.article.disable-omny":false,"perm.render-web-metro.article.disable-scribd":false,"perm.render-web-metro.article.disable-spotify":false,"perm.render-web-metro.article.disable-tiktok":false,"perm.render-web-metro.article.disable-twitter":false,"perm.render-web-metro.article.disable-youtube":false,"perm.render-web-metro.article.truncation.enabled":false,"perm.render-web.beyondwords-disabled":false,"perm.render-web-metro.beyondwords-audio-player-vast-url.enabled":true,"perm.render-web-metro.comments-disabled":false,"perm.render-web-metro.confirmation-panel.conversion-tags":true,"perm.render-web.domain-magazine.unavailable":false,"perm.render-web.goodfood-guide.unavailable":false,"perm.render-web-metro.goodfood-ios-banner.enabled":false,"perm.render-web-metro.goodfood-smart-banner.enabled":false,"perm.render-web-metro.login.apple-option":false,"perm.render-web-metro.login.google-option":true,"perm.render-web-metro.member-services.force-disabled":false,"perm.render-web-metro.outbrain":true,"perm.render-web-metro.outbrain-tracking":true,"perm.render-pagebuilder.beta-testing":false,"perm.disable-ink-access":false,"perm.api-auth.login.bypass":false,"perm.render-web-metro.piano.enabled":true,"perm.render-web-metro.save-for-later.enabled":true,"perm.render-web-metro.swg-entitlement":true,"perm.render-web-metro.swg-purchase.enabled":true,"perm.render-web.todays-paper.unavailable":false,"temp.render-web.ads.enable-admiral":false,"temp.render-web.ads.enable-amazon":false,"temp.render-web.ads.enable-blockthrough":false,"temp.render-web.beyondwords-accordion-disabled":true,"temp.render-web-metro.goodfood.coral-8-comments":true,"temp.render-web.dgam-adserver.enabled":true,"temp.render-web-metro.ga4.pageview-enabled":true,"temp.render-web-metro.goodfood.collection-promo.enabled":false,"temp.render-web-metro.goodfood.onboarding-save":true,"temp.render-web-metro.piano.auth-sync-logout.enabled":true,"temp.render-web-metro.piano.comments-registration.enabled":false,"temp.render-web-metro.goodfood.piano-app-prompt.enabled":true,"temp.render-web-metro.piano-goodfood-header-button.enabled":true,"temp.render-web-metro.ssr.apollo-cache-no-watch.enabled":true}};</script><script nonce="NV44a8EhgksSiOXMcQcdSg==">window.APOLLO_STATE = {"Category:Q2F0ZWdvcnk6IjEyIg==":{"__typename":"Category","id":"Q2F0ZWdvcnk6IjEyIg==","name":"Super & retirement","parent":{"__typename":"Category","name":"Money","urls":{"__typename":"CategoryURLs","canonical":null,"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney"}]}},"urls":{"__typename":"CategoryURLs","canonical":{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsuper-and-retirement"},"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fsuper-and-retirement"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney\u002Fsuper-and-retirement"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsuper-and-retirement"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fsuper-and-retirement"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fsuper-and-retirement"}]}},"Tag:VGFnOiIxcWki":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Content"},"displayName":"Ask an expert","externalEntities":null,"id":"VGFnOiIxcWki","location":null,"name":"Ask an expert","publicId":"1qi","urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"}]}},"Tag:VGFnOiIxcWsi":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Content"},"displayName":"Just in","externalEntities":null,"id":"VGFnOiIxcWsi","location":null,"name":"Just in","publicId":"1qk","urls":null},"Tag:VGFnOiIxcWwi":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Content"},"displayName":"Opinion","externalEntities":null,"id":"VGFnOiIxcWwi","location":null,"name":"Opinion","publicId":"1ql","urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fopinion"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fopinion"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fopinion"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fopinion"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fopinion"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fopinion"}]}},"Tag:VGFnOiIxcnQi":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Content"},"displayName":"For subscribers","externalEntities":null,"id":"VGFnOiIxcnQi","location":null,"name":"For subscribers","publicId":"1rt","urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fsubscriber-centre"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fsubscriber-centre"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Ftopic\u002Ffor-subscribers-1rt"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fsubscriber-centre"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fsubscriber-centre"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fsubscriber-centre"}]}},"Tag:VGFnOiJqbDMi":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Topic"},"displayName":"Retirement living","externalEntities":{"__typename":"TagExternalEntities","google":null},"id":"VGFnOiJqbDMi","location":null,"name":"Retirement living","publicId":"jl3","urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fretirement-living-jl3"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Ftopic\u002Fretirement-living-jl3"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Ftopic\u002Fretirement-living-jl3"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fretirement-living-jl3"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Ftopic\u002Fretirement-living-jl3"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Ftopic\u002Fretirement-living-jl3"}]}},"Category:Q2F0ZWdvcnk6IjExIg==":{"__typename":"Category","id":"Q2F0ZWdvcnk6IjExIg==","name":"Saving","parent":{"__typename":"Category","name":"Money","urls":{"__typename":"CategoryURLs","canonical":null,"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney"}]}},"urls":{"__typename":"CategoryURLs","canonical":{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsaving"},"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fsaving"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney\u002Fsaving"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsaving"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fsaving"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fsaving"}]}},"Category:Q2F0ZWdvcnk6IjEzIg==":{"__typename":"Category","id":"Q2F0ZWdvcnk6IjEzIg==","name":"Tax","parent":{"__typename":"Category","name":"Money","urls":{"__typename":"CategoryURLs","canonical":null,"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney"}]}},"urls":{"__typename":"CategoryURLs","canonical":{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Ftax"},"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Ftax"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney\u002Ftax"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Ftax"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Ftax"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Ftax"}]}},"Tag:VGFnOiI2MmUi":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Topic"},"displayName":"Superannuation","externalEntities":{"__typename":"TagExternalEntities","google":null},"id":"VGFnOiI2MmUi","location":null,"name":"Superannuation","publicId":"62e","urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fsuperannuation-62e"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Ftopic\u002Fsuperannuation-62e"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Ftopic\u002Fsuperannuation-62e"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fsuperannuation-62e"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Ftopic\u002Fsuperannuation-62e"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Ftopic\u002Fsuperannuation-62e"}]}},"Category:Q2F0ZWdvcnk6IjEwIg==":{"__typename":"Category","id":"Q2F0ZWdvcnk6IjEwIg==","name":"Planning & budgeting","parent":{"__typename":"Category","name":"Money","urls":{"__typename":"CategoryURLs","canonical":null,"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney"}]}},"urls":{"__typename":"CategoryURLs","canonical":null,"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fplanning-and-budgeting"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney\u002Fplanning-and-budgeting"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fplanning-and-budgeting"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fplanning-and-budgeting"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fplanning-and-budgeting"}]}},"Tag:VGFnOiJocDci":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Topic"},"displayName":"Inheritance","externalEntities":{"__typename":"TagExternalEntities","google":null},"id":"VGFnOiJocDci","location":null,"name":"Inheritance","publicId":"hp7","urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Finheritance-hp7"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Ftopic\u002Finheritance-hp7"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Ftopic\u002Finheritance-hp7"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Finheritance-hp7"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Ftopic\u002Finheritance-hp7"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Ftopic\u002Finheritance-hp7"}]}},"Tag:VGFnOiIxcXUi":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Content"},"displayName":"Analysis","externalEntities":null,"id":"VGFnOiIxcXUi","location":null,"name":"Analysis","publicId":"1qu","urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002FAnalysis-1qu"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Ftopic\u002FAnalysis-1qu"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Ftopic\u002FAnalysis-1qu"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002FAnalysis-1qu"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Ftopic\u002FAnalysis-1qu"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Ftopic\u002FAnalysis-1qu"}]}},"Category:Q2F0ZWdvcnk6Inoi":{"__typename":"Category","id":"Q2F0ZWdvcnk6Inoi","name":"Investing","parent":{"__typename":"Category","name":"Money","urls":{"__typename":"CategoryURLs","canonical":null,"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney"}]}},"urls":{"__typename":"CategoryURLs","canonical":{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Finvesting"},"published":[{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Finvesting"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Fmoney\u002Finvesting"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Finvesting"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Finvesting"},{"__typename":"CategoryURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Finvesting"}]}},"Tag:VGFnOiI2MHYi":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Topic"},"displayName":"Property investment","externalEntities":{"__typename":"TagExternalEntities","google":null},"id":"VGFnOiI2MHYi","location":null,"name":"Property investment","publicId":"60v","urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fproperty-investment-60v"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Ftopic\u002Fproperty-investment-60v"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Ftopic\u002Fproperty-investment-60v"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fproperty-investment-60v"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Ftopic\u002Fproperty-investment-60v"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Ftopic\u002Fproperty-investment-60v"}]}},"Tag:VGFnOiI2MGYi":{"__typename":"Tag","context":{"__typename":"TagContext","name":"Topic"},"displayName":"Pension","externalEntities":{"__typename":"TagExternalEntities","google":null},"id":"VGFnOiI2MGYi","location":null,"name":"Pension","publicId":"60f","urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fpension-60f"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Ftopic\u002Fpension-60f"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Ftopic\u002Fpension-60f"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fpension-60f"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Ftopic\u002Fpension-60f"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Ftopic\u002Fpension-60f"}]}},"ROOT_QUERY":{"__typename":"Query","tagByPublicId({\"input\":{\"navigationPathContext\":null,\"publicId\":\"1qi\"}})":{"__typename":"TagByPublicIDResponse","error":null,"tag":{"__typename":"Tag","description":"Ask an expert","displayName":"Ask an expert","externalEntities":null,"latestStoriesConnection":{"__typename":"TagLatestStoriesConnection","error":null,"edges":[{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineAuthor","type":"AUTHOR","author":{"__typename":"Author","name":"Paul Benson","publicId":"p536xj"}}],"category":{"__ref":"Category:Q2F0ZWdvcnk6IjEyIg=="},"dates":{"__typename":"AssetDates","published":"2025-02-15T18:12:00Z"},"extensions":{"wordCount":627,"storyFormat":{"size":"MEDIUM","layout":"READER_QA"}},"headlines":{"__typename":"AssetHeadlines","headline":"My partner is 18 years older than me. How do we plan for retirement?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"An age gap like this can provide opportunities from a tax and super perspective, but can catch you out on things like the pension.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":10,"width":1059,"zoom":0.3451},"mediaId":"5bcbe6e6f81c4412082c1790f8aa979004bdf0e9","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"An age gap like this can provide opportunities from a tax and super perspective, but can catch you out on things like the pension.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":82,"offsetY":0,"width":756,"zoom":0.2824},"mediaId":"5bcbe6e6f81c4412082c1790f8aa979004bdf0e9","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"An age gap like this can provide opportunities from a tax and super perspective, but can catch you out on things like the pension.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":463,"offsetY":0,"width":378,"zoom":0.3176},"mediaId":"5bcbe6e6f81c4412082c1790f8aa979004bdf0e9","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"An age gap like this can provide opportunities from a tax and super perspective, but can catch you out on things like the pension.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":213,"offsetY":0,"width":378,"zoom":0.2118},"mediaId":"5bcbe6e6f81c4412082c1790f8aa979004bdf0e9","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"The failure of our pension system to recognise the desire for people to have their own financial agency is a major flaw.","label":"Opinion"},"publicId":"p5lbx8","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWsi"},{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiIxcnQi"},{"__ref":"Tag:VGFnOiJqbDMi"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fmy-partner-is-18-years-older-than-me-how-do-we-plan-for-retirement-20250213-p5lbx8.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fmy-partner-is-18-years-older-than-me-how-do-we-plan-for-retirement-20250213-p5lbx8.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fmy-partner-is-18-years-older-than-me-how-do-we-plan-for-retirement-20250213-p5lbx8.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fmy-partner-is-18-years-older-than-me-how-do-we-plan-for-retirement-20250213-p5lbx8.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fmy-partner-is-18-years-older-than-me-how-do-we-plan-for-retirement-20250213-p5lbx8.html"}]}}},{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineAuthor","type":"AUTHOR","author":{"__typename":"Author","name":"Noel Whittaker","publicId":"13vvys"}}],"category":{"__ref":"Category:Q2F0ZWdvcnk6IjEyIg=="},"dates":{"__typename":"AssetDates","published":"2025-02-11T18:04:00Z"},"extensions":{"wordCount":679,"storyFormat":{"size":"MEDIUM","layout":"READER_QA"}},"headlines":{"__typename":"AssetHeadlines","headline":"How do we buy shares for our three-year-old godson?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":"Simply providing a financially independent child with a regular payment, however well documented, does not make them a financial dependent.","animated":false,"caption":"If you鈥檙e planning to put money aside for a child or godchild there鈥檚 one investment option that makes the most sense.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":1059,"zoom":0.1765},"mediaId":"4877141c49c9ffbc2561f55fbe5c92dedcfb46ee","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":"Simply providing a financially independent child with a regular payment, however well documented, does not make them a financial dependent.","animated":false,"caption":"If you鈥檙e planning to put money aside for a child or godchild there鈥檚 one investment option that makes the most sense.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":756,"zoom":0.1461},"mediaId":"4877141c49c9ffbc2561f55fbe5c92dedcfb46ee","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":"Simply providing a financially independent child with a regular payment, however well documented, does not make them a financial dependent.","animated":false,"caption":"If you鈥檙e planning to put money aside for a child or godchild there鈥檚 one investment option that makes the most sense.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":261,"offsetY":0,"width":378,"zoom":0.1643},"mediaId":"4877141c49c9ffbc2561f55fbe5c92dedcfb46ee","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":"Simply providing a financially independent child with a regular payment, however well documented, does not make them a financial dependent.","animated":false,"caption":"If you鈥檙e planning to put money aside for a child or godchild there鈥檚 one investment option that makes the most sense.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":78,"offsetY":0,"width":378,"zoom":0.1096},"mediaId":"4877141c49c9ffbc2561f55fbe5c92dedcfb46ee","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"When it comes to investing on the behalf of people under the age of 18, you can fall foul of some punitive tax rules.","label":"Opinion"},"publicId":"p5lb6g","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWsi"},{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiIxcnQi"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fhow-do-we-buy-shares-for-our-three-year-old-godson-20250211-p5lb6g.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fhow-do-we-buy-shares-for-our-three-year-old-godson-20250211-p5lb6g.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fhow-do-we-buy-shares-for-our-three-year-old-godson-20250211-p5lb6g.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fhow-do-we-buy-shares-for-our-three-year-old-godson-20250211-p5lb6g.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fhow-do-we-buy-shares-for-our-three-year-old-godson-20250211-p5lb6g.html"}]}}},{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineAuthor","type":"AUTHOR","author":{"__typename":"Author","name":"Paul Benson","publicId":"p536xj"}}],"category":{"__ref":"Category:Q2F0ZWdvcnk6IjExIg=="},"dates":{"__typename":"AssetDates","published":"2025-02-08T18:01:00Z"},"extensions":{"wordCount":664,"storyFormat":{"size":"MEDIUM","layout":"READER_QA"}},"headlines":{"__typename":"AssetHeadlines","headline":"We earn $350k a year but struggle to save. What can we do about this?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Saving is hard.","credit":"Supplied","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":13,"width":1059,"zoom":0.5298},"mediaId":"d0f48d2dd1db96eb44bbad4027453e39aa7d01d1","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Saving is hard.","credit":"Supplied","crop":{"__typename":"ImageRenditionCrop","offsetX":86,"offsetY":0,"width":756,"zoom":0.4383},"mediaId":"d0f48d2dd1db96eb44bbad4027453e39aa7d01d1","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Saving is hard.","credit":"Supplied","crop":{"__typename":"ImageRenditionCrop","offsetX":782,"offsetY":27,"width":378,"zoom":0.5878671936758894},"mediaId":"d0f48d2dd1db96eb44bbad4027453e39aa7d01d1","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Piggy bank.","credit":"iStock","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":378,"zoom":0.3691},"mediaId":"4cd61acbe223f9dbf12b29134d52993dd7336452","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"If you鈥檙e struggling to save, it could just be that you鈥檙e currently in the most expensive period of your life.","label":"Opinion"},"publicId":"p5laas","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWsi"},{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiIxcnQi"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsaving\u002Fwe-earn-350k-a-year-but-struggle-to-save-what-can-we-do-about-this-20250207-p5laas.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsaving\u002Fwe-earn-350k-a-year-but-struggle-to-save-what-can-we-do-about-this-20250207-p5laas.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fsaving\u002Fwe-earn-350k-a-year-but-struggle-to-save-what-can-we-do-about-this-20250207-p5laas.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fsaving\u002Fwe-earn-350k-a-year-but-struggle-to-save-what-can-we-do-about-this-20250207-p5laas.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fsaving\u002Fwe-earn-350k-a-year-but-struggle-to-save-what-can-we-do-about-this-20250207-p5laas.html"}]}}},{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineAuthor","type":"AUTHOR","author":{"__typename":"Author","name":"Noel Whittaker","publicId":"13vvys"}}],"category":{"__ref":"Category:Q2F0ZWdvcnk6IjEzIg=="},"dates":{"__typename":"AssetDates","published":"2025-02-04T18:01:00Z"},"extensions":{"wordCount":877,"storyFormat":{"size":"LARGE","layout":"READER_QA"}},"headlines":{"__typename":"AssetHeadlines","headline":"My super has reached $2m, can I dodge the transfer balance cap?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Try as you might, it can be hard to avoid being taxed on your excess super.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":36,"width":1059,"zoom":0.7852},"mediaId":"ba41d46a286b040a597d90b5b18a54c7e7eae6d8","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Try as you might, it can be hard to avoid being taxed on your excess super.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":756,"zoom":0.56},"mediaId":"ba41d46a286b040a597d90b5b18a54c7e7eae6d8","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Superannuation.","credit":"Dominic Lorrimer","crop":{"__typename":"ImageRenditionCrop","offsetX":46,"offsetY":72,"width":378,"zoom":0.1246},"mediaId":"9f156e316c765f1c5d05fac87ccce1e9e3c41ec4","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Try as you might, it can be hard to avoid being taxed on your excess super.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":113,"offsetY":0,"width":378,"zoom":0.42000000000000004},"mediaId":"ba41d46a286b040a597d90b5b18a54c7e7eae6d8","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"The transfer balance cap is a lifetime limit on the amount a person can move from super accumulation phase, and there aren鈥檛 many ways around it.","label":"Opinion"},"publicId":"p5l9de","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiIxcWsi"},{"__ref":"Tag:VGFnOiI2MmUi"},{"__ref":"Tag:VGFnOiIxcnQi"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Ftax\u002Fmy-super-has-reached-2m-can-i-dodge-the-transfer-balance-cap-20250204-p5l9de.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Ftax\u002Fmy-super-has-reached-2m-can-i-dodge-the-transfer-balance-cap-20250204-p5l9de.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Ftax\u002Fmy-super-has-reached-2m-can-i-dodge-the-transfer-balance-cap-20250204-p5l9de.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Ftax\u002Fmy-super-has-reached-2m-can-i-dodge-the-transfer-balance-cap-20250204-p5l9de.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Ftax\u002Fmy-super-has-reached-2m-can-i-dodge-the-transfer-balance-cap-20250204-p5l9de.html"}]}}},{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineAuthor","type":"AUTHOR","author":{"__typename":"Author","name":"Paul Benson","publicId":"p536xj"}}],"category":{"__ref":"Category:Q2F0ZWdvcnk6IjEwIg=="},"dates":{"__typename":"AssetDates","published":"2025-02-01T18:01:00Z"},"extensions":{"wordCount":676,"storyFormat":{"size":"MEDIUM","layout":"READER_QA"}},"headlines":{"__typename":"AssetHeadlines","headline":"How do I resolve an inheritance dispute with my siblings?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"When inheritance comes into play, relations with siblings can get difficult.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":1059,"zoom":0.1681},"mediaId":"bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"When inheritance comes into play, relations with siblings can get difficult.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":756,"zoom":0.12},"mediaId":"bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"When inheritance comes into play, relations with siblings can get difficult.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":263,"offsetY":0,"width":378,"zoom":0.135},"mediaId":"bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"When inheritance comes into play, relations with siblings can get difficult.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":185,"offsetY":0,"width":378,"zoom":0.09},"mediaId":"bb6dfeef8ff5ee9fd1a6c1de4f8f3180123144e6","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"The circumstances you鈥檝e presented here appear ridiculous, and frankly, disrespectful. It may be time to take matters a step further.","label":"Opinion"},"publicId":"p5l8kc","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWsi"},{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiIxcnQi"},{"__ref":"Tag:VGFnOiJocDci"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhow-do-i-resolve-an-inheritance-dispute-with-my-siblings-20250131-p5l8kc.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhow-do-i-resolve-an-inheritance-dispute-with-my-siblings-20250131-p5l8kc.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhow-do-i-resolve-an-inheritance-dispute-with-my-siblings-20250131-p5l8kc.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhow-do-i-resolve-an-inheritance-dispute-with-my-siblings-20250131-p5l8kc.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhow-do-i-resolve-an-inheritance-dispute-with-my-siblings-20250131-p5l8kc.html"}]}}},{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineName","type":"NAME","name":"Emma Blay"}],"category":{"__ref":"Category:Q2F0ZWdvcnk6IjEwIg=="},"dates":{"__typename":"AssetDates","published":"2025-01-28T18:01:00Z"},"extensions":{"wordCount":875,"storyFormat":{"size":"LARGE","layout":"OPINION"}},"headlines":{"__typename":"AssetHeadlines","headline":"What are mutual wills, and why would I choose one?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Mutual wills can be a useful way of ensuring provision is made for those you want to recognise in your will, particularly if you pass away before your partner.","credit":" ","crop":{"__typename":"ImageRenditionCrop","offsetX":109,"offsetY":0,"width":1059,"zoom":0.4363},"mediaId":"565a4684bc968df564454ce6f27c780442777526","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Mutual wills can be a useful way of ensuring provision is made for those you want to recognise in your will, particularly if you pass away before your partner.","credit":" ","crop":{"__typename":"ImageRenditionCrop","offsetX":161,"offsetY":0,"width":756,"zoom":0.3687},"mediaId":"565a4684bc968df564454ce6f27c780442777526","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Mutual wills can be a useful way of ensuring provision is made for those you want to recognise in your will, particularly if you pass away before your partner.","credit":" ","crop":{"__typename":"ImageRenditionCrop","offsetX":270,"offsetY":0,"width":378,"zoom":0.3137},"mediaId":"565a4684bc968df564454ce6f27c780442777526","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Mutual wills can be a useful way of ensuring provision is made for those you want to recognise in your will, particularly if you pass away before your partner.","credit":" ","crop":{"__typename":"ImageRenditionCrop","offsetX":117,"offsetY":0,"width":378,"zoom":0.2091},"mediaId":"565a4684bc968df564454ce6f27c780442777526","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"Many couples want their wills to complement each other and ultimately protect their assets for any children from previous relationships.","label":"Opinion"},"publicId":"p5l7pg","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWsi"},{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiIxcXUi"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fwhat-are-mutual-wills-and-why-would-i-choose-one-20250128-p5l7pg.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fwhat-are-mutual-wills-and-why-would-i-choose-one-20250128-p5l7pg.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fwhat-are-mutual-wills-and-why-would-i-choose-one-20250128-p5l7pg.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fwhat-are-mutual-wills-and-why-would-i-choose-one-20250128-p5l7pg.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fwhat-are-mutual-wills-and-why-would-i-choose-one-20250128-p5l7pg.html"}]}}},{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineAuthor","type":"AUTHOR","author":{"__typename":"Author","name":"Noel Whittaker","publicId":"13vvys"}}],"category":{"__ref":"Category:Q2F0ZWdvcnk6IjEwIg=="},"dates":{"__typename":"AssetDates","published":"2025-01-28T18:01:00Z"},"extensions":{"wordCount":900,"storyFormat":{"size":"LARGE","layout":"READER_QA"}},"headlines":{"__typename":"AssetHeadlines","headline":"I鈥檓 67, in debt and with no super. How do I spend a $450,000 inheritance?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":"AFR","animated":false,"caption":"There can be many different strategies for handling an inheritance.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":1059,"zoom":0.7844444444444444},"mediaId":"6c52922a8f29691f63f4f58beeab3c40f3a05014","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":"AFR","animated":false,"caption":"There can be many different strategies for handling an inheritance.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":756,"zoom":0.56},"mediaId":"6c52922a8f29691f63f4f58beeab3c40f3a05014","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":"AFR","animated":false,"caption":"There can be many different strategies for handling an inheritance.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":343,"offsetY":0,"width":378,"zoom":0.63},"mediaId":"6c52922a8f29691f63f4f58beeab3c40f3a05014","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":"AFR","animated":false,"caption":"There can be many different strategies for handling an inheritance.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":204,"offsetY":1,"width":378,"zoom":0.47040000000000004},"mediaId":"6c52922a8f29691f63f4f58beeab3c40f3a05014","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"If you鈥檙e about to receive a hefty inheritance, think carefully about how you might spend it.","label":"Opinion"},"publicId":"p5l7oc","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWsi"},{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiIxcnQi"},{"__ref":"Tag:VGFnOiJocDci"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fi-m-67-in-debt-and-with-no-super-how-do-i-spend-a-450-000-inheritance-20250128-p5l7oc.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fi-m-67-in-debt-and-with-no-super-how-do-i-spend-a-450-000-inheritance-20250128-p5l7oc.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fi-m-67-in-debt-and-with-no-super-how-do-i-spend-a-450-000-inheritance-20250128-p5l7oc.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fi-m-67-in-debt-and-with-no-super-how-do-i-spend-a-450-000-inheritance-20250128-p5l7oc.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fi-m-67-in-debt-and-with-no-super-how-do-i-spend-a-450-000-inheritance-20250128-p5l7oc.html"}]}}},{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineAuthor","type":"AUTHOR","author":{"__typename":"Author","name":"Paul Benson","publicId":"p536xj"}}],"category":{"__ref":"Category:Q2F0ZWdvcnk6Inoi"},"dates":{"__typename":"AssetDates","published":"2025-01-25T20:56:29Z"},"extensions":{"wordCount":679,"storyFormat":{"size":"MEDIUM","layout":"READER_QA"}},"headlines":{"__typename":"AssetHeadlines","headline":"Should we sell our investment property and put the money into super?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"There is the school of thought that once you buy a property the strategy should be to never sell. But you can鈥檛 eat bricks.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":1059,"zoom":0.7852},"mediaId":"35343d3f39f7ce5abe557dde65f29a4ed214e908","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"There is the school of thought that once you buy a property the strategy should be to never sell. But you can鈥檛 eat bricks.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":756,"zoom":0.56},"mediaId":"35343d3f39f7ce5abe557dde65f29a4ed214e908","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"There is the school of thought that once you buy a property the strategy should be to never sell. But you can鈥檛 eat bricks.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":43,"offsetY":0,"width":378,"zoom":0.63},"mediaId":"35343d3f39f7ce5abe557dde65f29a4ed214e908","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"There is the school of thought that once you buy a property the strategy should be to never sell. But you can鈥檛 eat bricks.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":59,"offsetY":0,"width":378,"zoom":0.42},"mediaId":"35343d3f39f7ce5abe557dde65f29a4ed214e908","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"There is the school of thought that once you buy a property the strategy should be to never sell. But you can鈥檛 eat bricks.","label":"Opinion"},"publicId":"p5l6x2","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiI2MHYi"},{"__ref":"Tag:VGFnOiIxcnQi"},{"__ref":"Tag:VGFnOiIxcWsi"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Finvesting\u002Fshould-we-sell-our-investment-property-and-put-the-money-into-super-20250124-p5l6x2.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Finvesting\u002Fshould-we-sell-our-investment-property-and-put-the-money-into-super-20250124-p5l6x2.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Finvesting\u002Fshould-we-sell-our-investment-property-and-put-the-money-into-super-20250124-p5l6x2.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Finvesting\u002Fshould-we-sell-our-investment-property-and-put-the-money-into-super-20250124-p5l6x2.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Finvesting\u002Fshould-we-sell-our-investment-property-and-put-the-money-into-super-20250124-p5l6x2.html"}]}}},{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineAuthor","type":"AUTHOR","author":{"__typename":"Author","name":"Noel Whittaker","publicId":"13vvys"}}],"category":{"__ref":"Category:Q2F0ZWdvcnk6IjEyIg=="},"dates":{"__typename":"AssetDates","published":"2025-01-21T18:01:00Z"},"extensions":{"wordCount":801,"storyFormat":{"size":"MEDIUM","layout":"READER_QA"}},"headlines":{"__typename":"AssetHeadlines","headline":"I pay more tax than my husband. Will that affect our pension?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"A tax imbalance in your relationship doesn鈥檛 have to sink your retirement.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":96,"width":1059,"zoom":0.7062},"mediaId":"15db394ca4d14f12310f4900920026fc1afefe80","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"A tax imbalance in your relationship doesn鈥檛 have to sink your retirement.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":756,"zoom":0.504},"mediaId":"15db394ca4d14f12310f4900920026fc1afefe80","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"A tax imbalance in your relationship doesn鈥檛 have to sink your retirement.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":111,"offsetY":0,"width":378,"zoom":0.5676},"mediaId":"15db394ca4d14f12310f4900920026fc1afefe80","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"A tax imbalance in your relationship doesn鈥檛 have to sink your retirement.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":110,"offsetY":0,"width":378,"zoom":0.378},"mediaId":"15db394ca4d14f12310f4900920026fc1afefe80","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"There are numerous factors for couples to consider when they start to get towards pensionable age.","label":"Opinion"},"publicId":"p5l61c","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWsi"},{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiIxcnQi"},{"__ref":"Tag:VGFnOiI2MGYi"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fi-pay-more-tax-than-my-husband-will-that-affect-our-pension-20250121-p5l61c.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fi-pay-more-tax-than-my-husband-will-that-affect-our-pension-20250121-p5l61c.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fi-pay-more-tax-than-my-husband-will-that-affect-our-pension-20250121-p5l61c.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fi-pay-more-tax-than-my-husband-will-that-affect-our-pension-20250121-p5l61c.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fsuper-and-retirement\u002Fi-pay-more-tax-than-my-husband-will-that-affect-our-pension-20250121-p5l61c.html"}]}}},{"__typename":"TagLatestStoriesEdge","node":{"__typename":"ArticleAsset","ads":null,"byline":[{"__typename":"AssetBylineAuthor","type":"AUTHOR","author":{"__typename":"Author","name":"Paul Benson","publicId":"p536xj"}}],"category":{"__ref":"Category:Q2F0ZWdvcnk6IjEwIg=="},"dates":{"__typename":"AssetDates","published":"2025-01-18T18:01:00Z"},"extensions":{"wordCount":653,"storyFormat":{"size":"MEDIUM","layout":"READER_QA"}},"headlines":{"__typename":"AssetHeadlines","headline":"Hypothetically, what would happen if a pensioner won $1 million?"},"images":{"__typename":"ImageRenditions","landscape16x9":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Winning big, at the casino or the lottery, would likely wipe our your pension.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":69,"width":1059,"zoom":0.7062},"mediaId":"8829b83717de0e7869d6ddbff7de8da8d138ea28","mimeType":null,"type":"LANDSCAPE_16_9"},"landscape3x2":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Winning big, at the casino or the lottery, would likely wipe our your pension.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":0,"offsetY":0,"width":756,"zoom":0.504},"mediaId":"8829b83717de0e7869d6ddbff7de8da8d138ea28","mimeType":null,"type":"LANDSCAPE_3_2"},"portrait2x3":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Winning big, at the casino or the lottery, would likely wipe our your pension.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":116,"offsetY":0,"width":378,"zoom":0.5676},"mediaId":"8829b83717de0e7869d6ddbff7de8da8d138ea28","mimeType":null,"type":"PORTRAIT_2_3"},"square1x1":{"__typename":"ImageRendition","altText":null,"animated":false,"caption":"Winning big, at the casino or the lottery, would likely wipe our your pension.","credit":"Simon Letch","crop":{"__typename":"ImageRenditionCrop","offsetX":50,"offsetY":0,"width":378,"zoom":0.378},"mediaId":"8829b83717de0e7869d6ddbff7de8da8d138ea28","mimeType":null,"type":"SQUARE_1_1"}},"overview":{"__typename":"AssetOverview","about":"Should you win the lottery, I鈥檇 like to think that retaining your pension would be pretty low on your priority list.","label":"Opinion"},"publicId":"p5l53x","subType":null,"tags":{"__typename":"AssetTags","primary":{"__ref":"Tag:VGFnOiIxcWki"},"secondary":[{"__ref":"Tag:VGFnOiIxcWsi"},{"__ref":"Tag:VGFnOiIxcWwi"},{"__ref":"Tag:VGFnOiIxcnQi"}]},"type":"ARTICLE","urls":{"__typename":"AssetURLs","canonical":{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhypothetically-what-would-happen-if-a-pensioner-won-1-million-20250117-p5l53x.html"},"external":null,"published":[{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhypothetically-what-would-happen-if-a-pensioner-won-1-million-20250117-p5l53x.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhypothetically-what-would-happen-if-a-pensioner-won-1-million-20250117-p5l53x.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhypothetically-what-would-happen-if-a-pensioner-won-1-million-20250117-p5l53x.html"},{"__typename":"AssetURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Fmoney\u002Fplanning-and-budgeting\u002Fhypothetically-what-would-happen-if-a-pensioner-won-1-million-20250117-p5l53x.html"}]}},"cursor":"cDVsNTN4IzIwMjUtMDEtMThUMTg6MDE6MDBa"}],"pageInfo":{"__typename":"PageInfo","endCursor":"cDVsNTN4IzIwMjUtMDEtMThUMTg6MDE6MDBa","hasNextPage":true,"hasPreviousPage":false,"startCursor":""}},"publicId":"1qi","seo":{"__typename":"TagSEO","description":"The latest Ask an expert news, articles, data, and analysis from \u003CBRAND_NAME\u003E","title":"Topic | Ask an expert | \u003CBRAND_NAME\u003E"},"urls":{"__typename":"TagURLs","canonical":{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},"published":[{"__typename":"TagURL","brand":{"__typename":"Brand","key":"brisbanetimes"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"canberratimes"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"smh"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"theage"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"},{"__typename":"TagURL","brand":{"__typename":"Brand","key":"watoday"},"path":"\u002Ftopic\u002Fask-an-expert-1qi"}]}}}}};</script><script id="__LOADABLE_REQUIRED_CHUNKS__" type="application/json">["1496","149","3331","8088","6116"]</script><script id="__LOADABLE_REQUIRED_CHUNKS___ext" type="application/json">{"namedChunks":["assets-icons-watoday-svg","templates-Metro-Tag-Tag"]}</script><script async="" data-chunk="client" src="/metro-assets/runtime~client.f8ca566cc2f9a8b5e465.js"></script><script async="" data-chunk="client" src="/metro-assets/react.be241390cb84292fcf23.js"></script><script async="" data-chunk="client" src="/metro-assets/vendor.3a92572097e588373982.js"></script><script async="" data-chunk="client" src="/metro-assets/client.dde20f1a4fa87323d11f.js"></script><script async="" data-chunk="assets-icons-watoday-svg" src="/metro-assets/assets-icons-watoday-svg.14cb3eb554b13dec5605.chunk.js"></script><script async="" data-chunk="templates-Metro-Tag-Tag" src="/metro-assets/149.955be67fc8795dea5aa0.chunk.js"></script><script async="" data-chunk="templates-Metro-Tag-Tag" src="/metro-assets/3331.43d638c17d2cb4b1e423.chunk.js"></script><script async="" data-chunk="templates-Metro-Tag-Tag" src="/metro-assets/8088.a0e861825e2f96e7a402.chunk.js"></script><script async="" data-chunk="templates-Metro-Tag-Tag" src="/metro-assets/templates-Metro-Tag-Tag.05b8a3b0fcfb21d9b693.chunk.js"></script><script nonce="NV44a8EhgksSiOXMcQcdSg==">(function(src) { var a = document.createElement("script"); a.type = "text/javascript"; a.async = true; a.src = src; var b = document.getElementsByTagName("script")[0]; b.parentNode.insertBefore(a, b) })("//cdn.tinypass.com/api/tinypass.min.js"); </script></body></html>