Let me paint a picture. You’re a doctor or dentit in private practice. You work ridiculous hours.You earn excellent money. And yet… every year you hand over a painful amount of cash to the tax office, while a home loan — however small — just sits there, quietly charging you interest you can’t deduct.
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If you run a business in Australia, there’s a change coming that’s going to nudge superannuation right to the top of your to-do list. It’s called Payday Super, and while the idea is simple, the impact could be anything but — especially for small businesses. …


When it comes to property development finance one of the most common loan structures developers use is a capitalised interest loan. Understanding how capitalised interest works — and how Australian lenders assess it — is essential for developers looking to structure funding correctly and protect their profit margins. …


Property development can be highly profitable—but it’s also one of the most technically complex areas of Australian tax. This guide breaks down the key tax concepts every property developer should understand. …


If you run a  business, there’s good news on the horizon. The government has extended the $20,000 instant asset write-off into the 2026 financial year, giving small business owners another year of breathing room — and a handy opportunity to invest back into their operations. …


Superannuation can feel overly technical, but there’s one rule that could seriously boost your retirement savings and massively reduce your tax. If your income varies from year to year, this Legal Tax Hack let you top up your super on your own terms .Here’s how the rule works and how to make the most of it. …


It’s that time of year again — the tinsel’s out, the Mariah Carey playlist is back and you’re gearing up to shout your team a Christmas bash. But before you start swiping the business card like an elf on espresso, let’s talk about what the taxman actually lets you claim. …


Struggling to decide between fixed and variable rates? This guide walks you through the key differences, potential pitfalls, and practical tips to help you save money and stay in control of your repayments. …


As we head toward the end of the 2025/26 financial year, now’s a great time to make sure your super strategy is working for you. Whether you’re a hospital doctor, in private practice, or juggling both, a little planning can make a big difference to your tax position and long-term retirement savings. …


Thinking about slowing down at work but not ready to fully retire? Good news — you might be able to access your super and keep earning! Learn how a Transition to Retirement (TTR) strategy can help you ease into retirement, reduce tax, or pay off debt without giving up your job. …


If you’ve ever asked yourself “Should I just pay off my HECS debt early?”, you’re not alone. It’s a super common question—especially when you see that lump sum just sitting there. But here’s the thing: in most cases, you’re better off just letting it chip away every year through your tax return. …


Think you’re already getting the most out of your tax return? Think again...There’s a little-known strategy that savvy Australians are quietly using to legally reduce their tax bill and it’s hiding in plain sight. …


Running your own medical practice can be one of the most rewarding things you’ll ever do. You’ve got the freedom to shape how you care for patients, build a team, and create a workplace culture you believe in. But there’s a side to practice ownership that medical school doesn’t prepare you for: money management. And one of the trickiest parts? Cash flow. …


After years of medical school, internships, registrar training, and specialist exams, doctors in Australia finally reach the point where the financial rewards start flowing. Compared to the average Australian worker, a doctor’s income is well above the norm. According to the Australian Tax Office (ATO), medical professionals consistently sit among the highest income earners in the country. With that higher income comes choices — and often, temptations. …


For years, getting into the property market has felt impossible for many first home buyers.Saving a deposit big enough to satisfy the banks — all while rents skyrocket and living costs keep rising — has been a constant uphill battle. So when the government announces an expansion to its 5% deposit scheme, it sounds like the breakthrough everyone has been waiting for. …


As a Doctor you  can earn a lot of money and that can sometimes give you a bit of a false sense of financial security. It’s totally normal to upgrade your lifestyle as your paycheck grows—something we call “lifestyle creep.” But the tricky part is that it can sneak up on you, making it tough to really keep control of your cash flow. …


If Freddy Krueger ever swapped his bladed glove for a calculator, Section 296 might be his handywork. This proposed new "super tax" is targeting total superannuation balances over  $3 million with the same stealth and sting as a horror movie villain. …


Now, I’ve gotta say, everyone’s all in a tizzy about the Federal Budget. Sure, it’s important. But here’s the kicker: The government can do what it likes, but your budget is where the real magic happens. …


Many doctors who build wealth do so by running their own practices. They focus on making their practice a successful business, spend less than they earn, and save the difference. Over time, those investments grow and can outpace the practice itself, becoming the main source of cash flow and wealth. But it all starts with the practice. It’s the heart of the journey. …


How often do you check on your super? It’s probably not all that often, right? But here's why it’s a good idea to pay more attention to your super: You see, even small changes in your super’s performance or fees can have a big impact on your retirement savings. …


As a Doctor/ business owner your time is one of the most valuable assets you have. But with so many tasks and responsibilities vying for your attention, it can be overwhelming to know where to focus. Often, we fall into the trap of wearing too many hats and trying to handle every little detail ourselves. The result? Burnout, frustration, and a lack of true progress toward your larger business goals. One powerful tool to break this cycle is the 80/20 Rule, also known as the Pareto Principle …


When it comes to a doctors retirement, our perspective is pretty straightforward: "Start early, and never fully stop." It’s a simple idea that most dentists get on board with once we explain it, so let’s break it down.
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Are you a doctor driving your own car for work? Don’t miss out on potential tax savings! Track your trips for 12 weeks, calculate your ‘professional use percentage,’ and unlock valuable deductions you may be overlooking! …


When it comes to planning for retirement, many financial experts lead you to believe that you need a huge sum – often around $1 million – to retire comfortably. However, this may not be entirely accurate, especially when you understand how to achieve the "superannuation sweet spot." By applying this strategy, you can retire comfortably with far less, and in some cases, even come out ahead. …


As a medical professional, you’re no stranger to the pressures of running a practice and managing your finances. But there’s one thing many overlook: the impact of the Personal Services Income (PSI) rules. Ignoring these regulations can open the door to an ATO audit.. …

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