money money money 839 pay off HELP debt or add to super, receiving large sums of cash, financial scams + more
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Sep 29, 2025 Rachelle Kroon, Director and founder of This Is Property, shares her expertise on financial decisions that matter. She discusses the merits of salary sacrifice versus personal contributions for superannuation. Listeners learn strategic insights on managing HELP debt while contemplating lump-sum cash payouts. Rachelle also uncovers tales of community scams, offering tips on how to stay vigilant against fraud. This engaging conversation blends practical financial advice with real-life experiences, making it a must-listen!
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Avoid Salary Sacrifice If You Have HELP
- If you have HELP/HECS, avoid employer salary sacrifice to prevent under-withholding and year-end tax bills.
- Instead, make personal contributions from your bank or decide amounts in June to control cashflow and tax outcomes.
Strategy Trumps Tactical Arguments
- Strategy matters more than tactical arguments about HECS versus super contributions.
- Keep a clear long-term plan then choose tactics that fit your circumstances.
Get Legal Protections For Vulnerable Recipients
- If a large payout involves cognitive or addiction issues, consult a solicitor about power of attorney before financial moves.
- Prioritise legal protections and trusteeship to stop exploitation and poor decisions.
