What Really Happens to Your Super When You Retire? | Ep. 54

The Dark Side of Buy Now, Pay Later (No One Talks About This) | Ep. 58

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a complimentary consultation today: https://subscribepage.io/BookAConsult [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbm53cmVSZzFjWTc3Z3VzaTlUcDEyQmFKMUhrQXxBQ3Jtc0tsWk9DcTZlVGxJc2NjYkZaak1ZSVk3OHB6cVdNejlxLWNBRW0yOVJRUHE4TzNSY2pYazUwNzZxQlpHUXlNYWNRSXQwOUx3bkdiUUpkZ2FzOWRyYUVIdUVmNFI0OTBCNVItY1BuM2ZLanRVREdMTGIycw&q=https%3A%2F%2Fsubscribepage.io%2FBookAConsult&v=S1i58MsRj1Y] ────────────────────────────────── What started as a simple way to split payments has quietly become a financial blind spot for many Australians. In this episode of The Wealth Guide Podcast, the team is joined by Gabriel Micah from Finance Co Group to unpack the real impact of buy now, pay later — beyond the convenience and into what it’s actually doing to people’s cash flow, habits, and long-term financial position. The conversation dives into why BNPL feels so easy to justify, how small repayments across multiple platforms can stack up faster than expected, and why many people don’t realise the effect it can have until they try to borrow or get ahead financially. Rather than taking a hard stance against it, this episode explores where BNPL fits (and where it doesn’t), the role of discipline and self-awareness, and how better structure, budgeting, and decision-making can help you stay in control. If you’ve ever thought “it’s only a small payment” — this episode will give you a much clearer picture of what that can turn into over time. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis -    / malissa-vourakis-79066a67  [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUl4R3gzQnNpUjZVeWJJX3N6S0hiUjVjOEZUd3xBQ3Jtc0ttNG4ybFpadHZ4dUQ1Z3lYNlRPWWxRWkN6Sk4za3VPRkpXdVhrSlpfY1RnVEhJNURxUm1rUTB1TUtEWHFGZXpxQlJpZ3c5azVwZWdaU3pVeGFYbmd3X3ktRUctOTVyazlJYnQ2cDJoMWJLZG1jOGtKVQ&q=https%3A%2F%2Fwww.linkedin.com%2Fin%2Fmalissa-vourakis-79066a67%2F&v=S1i58MsRj1Y]  Gabriel Micah -   / gabriel-mikha-15727979  [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa0toaGE2a2VzaHJMY0tXU1BtbFdWb0s5clNwUXxBQ3Jtc0trLTAtSTFkR0VOaUlhSndoS2FBOW1oVkUxRUNRdTNjMmc1ZkJENDI4V21ENld5ZDRqUkhfVXdPY2s4LVRkSHBETERlR1AxZWh4bzE5N2R5c25Ba3BwczhUSmJGLW1FTTN3eV9BbVM0RWFMTkxsbXhPbw&q=https%3A%2F%2Fwww.linkedin.com%2Fin%2Fgabriel-mikha-15727979%2F&v=S1i58MsRj1Y]  Jack Oineza -   / jackoineza  [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbE04ZUk4YmdmMTdqWXpQcHhqeExpaWVMSUt1QXxBQ3Jtc0ttdXZUdzNwekN2VGtaTVM3dzNmSk5nQ3lDZXFEeFBGVThleHhleXpHanlUcTBWbllZeE14ckpuRXlUdmtVNUlyMVh5aFF6OFJNUnowWnlMZHA0Z1IwcEsxOXFKd2tndmRrVWhOZlhrWEZyZUZwNUdsRQ&q=https%3A%2F%2Fwww.linkedin.com%2Fin%2Fjackoineza%2F&v=S1i58MsRj1Y]  Dean Desoukey -   / dean-desoukey  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[https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbmE5LXNkWjl0OHFwOXBVNFRGeU5QTzNacm5Wd3xBQ3Jtc0tuM0RYclhvWTBRVlFqZXk2T01fUVF5ZUk4N2JzbWppc2FfWi1HVGNJM1BPNWtnR1U4VmJ2YVBYVE5SUzRlTTIxOGRlVlgwRU9qenBhU1NRVzM1Mk4tX3hpTjVDeXRvVEVsOU11UHVBeS1nM1AtMWxjNA&q=https%3A%2F%2Fbit.ly%2F3rsKxPG&v=S1i58MsRj1Y] ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIME STAMPS: 00:00:00 [https://www.youtube.com/watch?v=S1i58MsRj1Y] – Introduction 00:01:02 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=62s] – Why It Feels So Easy 00:03:31 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=211s] – Instant Gratification vs Lay-By 00:05:32 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=332s] – The Rise in Australia 00:07:53 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=473s] – Hidden Risks and No Limits 00:09:57 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=597s] – Impact on Loans and Borrowing 00:13:52 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=832s] – Effects on Wealth and Investing 00:15:51 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=951s] – Budgeting and Control Strategies 00:21:54 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=1314s] – When It Works (and When It Doesn’t) 00:26:05 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=1565s] – Need vs Want 00:31:49 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=1909s] – The Real Cost of Spending 00:35:00 [https://www.youtube.com/watch?v=S1i58MsRj1Y&t=2100s] –  Discipline, Clarity and Taking Control  ──────────────────────────────────  DISCLAIMER  The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Inflation Is Quietly Destroying Your Wealth (Here’s How to Stop It) | Ep. 57

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a complimentary consultation today: https://subscribepage.io/BookAConsult [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbnZXQXMwbzFqV3pTZnBSTHdveE9jMkdqb3Q4QXxBQ3Jtc0ttd0k3ZlU5c0p1SVZwVk8wSTlmdmhjUTA1YU1GYndOYkZaZW9IanRZam84a2xXYlBSeE1tQVFwNmJEZUxPLWo0bmR6T1RxWmd1MVRlQjBvenlyM0prWWdCNlI2NkxPODlPVXhyZDl5a1F3YWFxSk85TQ&q=https%3A%2F%2Fsubscribepage.io%2FBookAConsult&v=WcQDFc3aIQI] ────────────────────────────────── In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by David Boyle, Ray Regmi, and Ricky Regmi to unpack one of the biggest threats to long-term wealth: Inflation. They break down what Inflation really means, why your money can feel like it is shrinking even when you are saving, and how rising living costs, bracket creep, and cash sitting in the bank can quietly erode purchasing power over time. The conversation also explores the difference between cash and investing, why diversification matters, and how smart structure, tax planning, and super strategies can help Australians stay ahead rather than fall behind. If you want to better understand the hidden impact of Inflation and learn practical ways to protect and grow your wealth, this episode is for you. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis -   / malissa-vourakis-79066a67  [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa01iUkV1M0dPUmw1S1g2eFpwN0ZSR25mNlZtd3xBQ3Jtc0ttcjd0OW5FM3UxQ0thVXUzMWhodmpTQ0N6QWlWYnBKN0NZcm82S1d5NUVxNEtKNzBBenlDa0hUWHM4QnVRVHBNbFlMNTl5bjZlSkIzZ1FLX0RXclAxUzl6b05ObWJ3MktiRjZDeGpwX3JLd0pPRXY1cw&q=https%3A%2F%2Fwww.linkedin.com%2Fin%2Fmalissa-vourakis-79066a67%2F&v=WcQDFc3aIQI]  Ricky Regmi -   / rajiv-ricky-regmi-cpa-943694213  [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbmtrY1Y0OE00VFYzbzBBek50UlZlT1dXaUlJd3xBQ3Jtc0tuMDlaSXcyNlpvcldiTUY2Smdxd1d5ZklJUGpRbTNRTHdCcFpiZmRfdmNyc0FNRWQxNEI4QW1fcV80YVR2MzFzdG45VzRqaTZzMWJ1ZVo2VnpVWE5ham9TVlAyQlg2aklHaWYySmF4VnZfc0JPcUFpYw&q=https%3A%2F%2Fwww.linkedin.com%2Fin%2Frajiv-ricky-regmi-cpa-943694213%2F&v=WcQDFc3aIQI]  David Boyle -   / david-boyle-37969459  [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbnlFZkxJOFhNb0xYb2xjYnpRNXNmWnRxN25QUXxBQ3Jtc0ttcjItcUt5a3huV29Yc05lZmFURVhjRDlFNWp2V0xxal9xa3dMa0tCNE8xcV9lX3I4Tzh6ZVlwZDk2LXpSNXRnRkRhTHoyeFpPb3hIcWxIQ2dEUWkwVDVZUkxjVzhoa0JaejlaRG9XNWRVaUZfTUxzZw&q=https%3A%2F%2Fau.linkedin.com%2Fin%2Fdavid-boyle-37969459&v=WcQDFc3aIQI]  Ray Regmi -   / ray-regmi-3a267539  [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1lxX3Z6NGNxb2V2bnNZNEU1Z1ZQODdGYXZBUXxBQ3Jtc0ttZGFZdzlsWVFDd3dhV0xjQlJ1ekExanBTa1U4M29nZ2dPUnFTSVdYcDd5REdRN3M4SzRsa2dESjlNQ1h0MHpZT1djRjRJYW12bks2OXVMaG5iTnVpemVkdE9oQlFKck5WMHpsQTE3R1ZKdnBVZzhVTQ&q=https%3A%2F%2Fau.linkedin.com%2Fin%2Fray-regmi-3a267539&v=WcQDFc3aIQI]  ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4 [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGhGOFdZbjBYTnhyWUV6c191YTU1VEhhZmFwQXxBQ3Jtc0tuOGFRLUtiRXdGZklLWlg4bDJ3NGxFRjVBREtyTzV2RDRlcGpqQmpCcmRxZzQ3LTJOWTJ5aTlMUThZRmRhWjY2d1dIQU5pT1RJMjl0RjBMM1Q1WEM1OWtteW9LOTFENGhNT29WMUpSektubVo4a055Zw&q=https%3A%2F%2Fspoti.fi%2F3qJL8w4&v=WcQDFc3aIQI] Apple Podcast: https://apple.co/3QPF3ch 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[https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbWNTQ092RXpiQ2lBamdMbzgxTHRsVnJqOWpNZ3xBQ3Jtc0tsdUI5TXUwemY1cDUxeEtyUlVjdDRtOXVOWU9IUWNKT3FocEdPcjdXb0g5VGl1elJnOElvNC1MMmZ3NDdBZkxnNFZfbVpTczMyMlBTUWN4dFplTlNvRVZHWFRZejRuaHlIQkYwSG5SWV9EQ28yVkNmaw&q=https%3A%2F%2Fbit.ly%2F46kZvGp&v=WcQDFc3aIQI] TikTok: https://bit.ly/3PSbK7U [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbmNWUVNJSjdxWGttcnV3WWR3cWhWM2NXX0Ewd3xBQ3Jtc0tuS2R1MlNfanVoUFd3UnJqOGhndkJyblFFNlQtRVVRUkF2TnZPYzkxNUJYQlVxSlZZY2RhcW5Ub2dfQVpmZF81WFZ2TmNkT2VSd0thQnBJWW12MVRpdkJaV2tWTjBvaEZUMnhxWG1kLU42QzNuZm50cw&q=https%3A%2F%2Fbit.ly%2F3PSbK7U&v=WcQDFc3aIQI] YouTube: https://bit.ly/3rsKxPG [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqa1FlTHk4M0l2aEtONzllUHg2NmJ0aGdwaEZ3Z3xBQ3Jtc0tteVdVUU02RDZRWlJjb1VCWHZsXzY0Ukc4cURHSXdxb2NCY0N4MkpfZUtCc2lfWkRMWkY2bi1hZ0I1S0JhdlN5LUNnNS1lbUFGLTN5RnZ1MDFRM21DNGpGU0Y2STRhSnNwdGxGNUQwNVJfbk10b2NUYw&q=https%3A%2F%2Fbit.ly%2F3rsKxPG&v=WcQDFc3aIQI] ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIME STAMPS: 00:00:00 [https://www.youtube.com/watch?v=WcQDFc3aIQI] – Introduction 00:00:26 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=26s] – Why Inflation Feels Like an Invisible Tax on Wealth 00:01:23 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=83s] – What Inflation Actually Means: CPI, Nominal vs Real Value 00:07:43 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=463s] – Why Prices Still Feel High Even When Inflation Is Easing 00:15:09 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=909s] – Wages, Bracket Creep, and Falling Purchasing Power 00:19:04 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=1144s] – Why Cash Savings May Be Going Backwards 00:26:56 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=1616s] – Investing, Diversification, and Inflation-Busting Assets 00:31:30 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=1890s] – The Emotional Side of Money and Financial Behaviour 00:37:12 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=2232s] – Using Super and Tax Planning More Effectively 00:43:40 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=2620s] – Structure, Clarity, and Discipline 00:47:12 [https://www.youtube.com/watch?v=WcQDFc3aIQI&t=2832s] – Conclusion  ──────────────────────────────────  DISCLAIMER  The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

How Much Do You Really Need to Retire on $100,000 a Year? | Ep. 56

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult [https://subscribepage.io/BookAConsult]  ----- In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down once again with the Ryker Capital team — Jack Oineza, Ricky Regmi, and Dean Desoukey — to tackle the question everyone asks but few can answer clearly: what does it really take to retire on $100,000 a year? They unpack the 4% rule in plain English (why $2.5 million can fund a $100k income), the “bucket” approach to balance debt, investing, and lifestyle, and the power of small, regular super contributions through compounding and dollar-cost averaging. You’ll hear how geo-arbitrage can stretch your money by spending part of the year in lower-cost countries, why Centrelink can be a force multiplier in retirement, and how to set different risk settings as you move through your golden, silver, and legacy years. Whether you are 21 and starting with $50 a week or in your 50s making up ground, the team shows you how to reverse-engineer a six-figure retirement, avoid common traps, and build a portfolio that can weather market dips without panic selling. If you want a practical, human guide to turning the $100k dream into a plan, this episode is for you. ----- SHOW NOTES LINKS https://www.linkedin.com/in/dean-desoukey/ [https://www.linkedin.com/in/dean-desoukey/] https://www.linkedin.com/in/jackoineza/ [https://www.linkedin.com/in/jackoineza/] https://www.linkedin.com/in/malissa-vourakis-79066a67/ [https://www.linkedin.com/in/malissa-vourakis-79066a67/] https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ [https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/] ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4 [https://spoti.fi/3qJL8w4]  Apple Podcast: https://apple.co/3QPF3ch [https://apple.co/3QPF3ch]  Amazon Music: https://amzn.to/3YMZjgD [https://amzn.to/3YMZjgD]    ----- FIND US HERE Facebook: https://bit.ly/3RsO5Mr [https://bit.ly/3RsO5Mr]  LinkedIn: https://bit.ly/3Rs0Qah [https://bit.ly/3Rs0Qah]  Instagram: https://bit.ly/46kZvGp [https://bit.ly/46kZvGp]  TikTok: https://bit.ly/3PSbK7U [https://bit.ly/3PSbK7U]  YouTube: https://bit.ly/3rsKxPG [https://bit.ly/3rsKxPG]    ----- CONTACT US hello@rykercapital.com.au    Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537   ----- TIME STAMPS: 00:00 Intro / Hook 01:36 How much do you need to retire on $100,000 a year 02:46 Structuring a $100,000 retirement 05:54 What does $100,000 a year in retirement look like 08:20 How to achieve $100,000 a year in retirement 11:59 Paying extra into super 18:50 Advice for a 21-year-old earning $85,000 a year who wants to retire on $100,000 20:59 What it looks like when a 21-year-old adds $100 a week into super 29:27 The impact of contributing $150 a week into super 30:37 How to achieve $100,000 a year in retirement if you start later in life 36:47 Investment strategies and market volatility 42:43 The role of financial advisors 49:19 Final thoughts/Outro ----- DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Do This To Legally Pay LESS TAXES in Australia | Ep. 55

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult [https://subscribepage.io/BookAConsult]  ----- In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down with the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey, to answer a question that every Australian has asked at some point: how do you legally pay less tax? They break down how the progressive tax system really works, why the top marginal rate can sting at 45%, and how using structures like companies and trusts can legally bring that bill down to as low as 25%. You’ll learn the difference between smart tax planning and anti-avoidance (and why the ATO takes one very seriously), how superannuation delivers powerful tax advantages at just 15% in accumulation and 0% in pension phase, and the traps that catch people out with deductions, home offices, and novated leases. If you want to understand the strategies behind paying the right amount of tax, protect yourself from costly mistakes, and keep more of your money working for your future, this is an episode you can’t afford to miss. -----   SHOW NOTES LINKS   https://www.linkedin.com/in/dean-desoukey/ [https://www.linkedin.com/in/dean-desoukey/] https://www.linkedin.com/in/jackoineza/ [https://www.linkedin.com/in/jackoineza/] https://www.linkedin.com/in/malissa-vourakis-79066a67/ [https://www.linkedin.com/in/malissa-vourakis-79066a67/] https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ [https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/] -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/3qJL8w4 [https://spoti.fi/3qJL8w4]  Apple Podcast: https://apple.co/3QPF3ch [https://apple.co/3QPF3ch]  Amazon Music: https://amzn.to/3YMZjgD [https://amzn.to/3YMZjgD]    -----   FIND US HERE   Facebook: https://bit.ly/3RsO5Mr [https://bit.ly/3RsO5Mr]  LinkedIn: https://bit.ly/3Rs0Qah [https://bit.ly/3Rs0Qah]  Instagram: https://bit.ly/46kZvGp [https://bit.ly/46kZvGp]  TikTok: https://bit.ly/3PSbK7U [https://bit.ly/3PSbK7U]  YouTube: https://bit.ly/3rsKxPG [https://bit.ly/3rsKxPG]    -----   CONTACT US   hello@rykercapital.com.au      Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537   -----   TIME STAMPS:   00:00 Intro/Hook 01:36 Pay less tax legally in Austalia 03:00 Progressive Tax System and Tax Brackets 07:25 Difference between Sole Trader and a PAYG 10:09 Tax Deductions and Their Application 16:51 Tax Strategies for Businesses 23:23 Trusts and Tax Planning 29:17 Capital Gains and Tax Harvesting 32:01 Risky Tax Strategies and Client Examples 41:25 Tax Planning for Part IVA and Bankruptcy 43:34 Conclusion/Outro   -----   DISCLAIMER   The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

What Really Happens to Your Super When You Retire? | Ep. 54

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult [https://subscribepage.io/BookAConsult]  ----- In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey to tackle one of the biggest questions Australians face: what really happens to your super when you retire? They unpack the difference between the accumulation and pension phases, the tax advantages of each, and why transitioning into retirement often matters more than the retirement date itself. You’ll discover how contribution caps work (and why exceeding them can trigger a 45% tax bill), the hidden insurance risks of rolling over your super without advice, and how Transition to Retirement (TTR) strategies can help you cut back on work without cutting back your lifestyle. The team also busts myths about the age pension, explains how your assets and income affect eligibility, and shows how even small, smart moves early in your career can add hundreds of thousands to your retirement balance. Packed with relatable client stories, easy-to-follow analogies, and practical strategies, this episode proves super is far more than a savings account, it’s the engine that powers your future lifestyle. If you want to make the most of your super, avoid costly mistakes, and create income you can rely on for life, this is the episode for you.  -----   SHOW NOTES LINKS   https://www.linkedin.com/in/dean-desoukey/ [https://www.linkedin.com/in/dean-desoukey/] https://www.linkedin.com/in/jackoineza/ [https://www.linkedin.com/in/jackoineza/] https://www.linkedin.com/in/malissa-vourakis-79066a67/ [https://www.linkedin.com/in/malissa-vourakis-79066a67/] https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ [https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/] -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/3qJL8w4 [https://spoti.fi/3qJL8w4]  Apple Podcast: https://apple.co/3QPF3ch [https://apple.co/3QPF3ch]  Amazon Music: https://amzn.to/3YMZjgD [https://amzn.to/3YMZjgD]    -----   FIND US HERE   Facebook: https://bit.ly/3RsO5Mr [https://bit.ly/3RsO5Mr]  LinkedIn: https://bit.ly/3Rs0Qah [https://bit.ly/3Rs0Qah]  Instagram: https://bit.ly/46kZvGp [https://bit.ly/46kZvGp]  TikTok: https://bit.ly/3PSbK7U [https://bit.ly/3PSbK7U]  YouTube: https://bit.ly/3rsKxPG [https://bit.ly/3rsKxPG]    -----   CONTACT US   hello@rykercapital.com.au    Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537   -----   TIME STAMPS:   00:00 – Intro 00:51 – Practical Insights for Different Life Stages 03:20 – Understanding Super Accumulation and Pension Phases 06:56 – Tax Implications of Super in Accumulation vs Pension Phase 10:18 – Contribution Limits and Avoiding Excess Contribution