Ladies Finance Club - Get Rich

What is salary sacrificing into super, and could it help you grow your superannuation faster without significantly reducing your take-home pay?
Salary sacrificing into super can sound complicated, and the word “sacrificing” makes it sound like you're giving something up. But salary sacrifice super can be a simple and tax-effective way to make additional superannuation contributions while you're working.
In part two of our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust, Molly sits down with Ruth Weaver, Team Leader, Key Client Education at ART, to explain salary sacrificing into super, how it works, who it can benefit and what you need to know before getting started.
Because understanding your superannuation isn't just about retirement. It's about understanding how super contributions, tax and government incentives can work together to help you build more wealth over time.
In this episode, you'll learn:
What salary sacrificing into super actually means and how it can affect your take-home pay
Why $100 of your salary could become $85 in your super instead of $68 in your bank account
Who salary sacrifice super can work well for, and who may not benefit as much
What high-income and low-income earners need to know about salary sacrificing
How self-employed women can make additional super contributions and potentially claim a tax deduction
What the Australian Government super co-contribution is and how contributing $1,000 could potentially result in up to $500 from the government, depending on eligibility
What the Low Income Super Tax Offset (LISTO) is and who may be eligible
How concessional contribution caps work
How the carry-forward concessional contributions rule could allow you to use unused contribution cap amounts from previous years
How to check your super contribution limits through myGov
Whether salary sacrificing into super locks you into anything, and what happens when you want to change your contributions
If you've ever searched “how does salary sacrificing into super work?”, wondered “is salary sacrifice worth it?”, or simply thought, “I know I should understand my super, but where do I start?”, this episode is for you.
The big takeaway? Salary sacrificing into super doesn't have to mean a huge hit to your take-home pay. Understanding how salary sacrifice, tax and super contribution rules work could help you make more informed decisions about your money today and your retirement savings in the future.
Listen to the episode and learn how salary sacrificing into super works. 🎧

The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

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Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.

Your super could be one of the biggest assets you ever own. But how much do you actually know about it?
For most women, the answer is probably: not much.
We know we're supposed to have super. We know our employer pays it. We might occasionally check the balance.
But do you know where your super is invested? Whether you're in the right investment option? Whether your employer is paying you correctly? Or what happens to your super when you die?
And here's the uncomfortable part: women currently retire with around 25% less super than men.
In the first episode of our five-part series, Making Aussie Women Super at Super, Molly sits down with Ruth Weaver, Team Leader and Key Client Education at Australian Retirement Trust, to answer the questions most of us should have asked years ago.
No jargon. No finance-speak. Just the stuff you actually need to know.
In this episode:
Why women retire with less super than men, and what you can actually do about it
How super works and where your money goes once it lands in your account
How to check whether your employer is paying the correct 12%
What your investment option actually means, from conservative to high growth
How to work out whether your super is invested appropriately for you
Why constantly switching your super investments could hurt your returns
How salary sacrifice can help you build more super
What the $30,000 concessional contributions cap means
The super check most women put off, but really shouldn't
Why your beneficiary nomination could be one of the most important decisions you make
Three things you can do this week to take control of your super
Because you don't need to become a finance expert.
You just need to understand what's happening to your money while you're busy living your life.
This episode is proudly brought to you by Australian Retirement Trust, trusted by over 2.4 million members.
The opinions and comments shared by people in this podcast are theirs alone. The information was accurate at the time of recording. This is general information only and is not based on your personal objectives, financial situation or needs. You should consider these factors and read the relevant Product Disclosure Statement and Target Market Determination before making any decision about any financial product. If you’re still unsure, speak with a financial adviser.

If you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.

What money mistakes made you richer in the long run? Molly sits down with entrepreneur, author and founder Lisa Messenger for a refreshingly honest conversation about business, money and reinvention. Lisa's built (and rebuilt) some of Australia's most iconic brands over her 25 years in business, including Collective Hub, the cult magazine-turned-app that's just relaunched for 2026. In this episode, she gets real about the financial mistakes that nearly broke her, why she believes bigger isn't always better, and what she'd do if she only had $5,000 to start a business today, no fluff, no ego, just the lessons she wishes someone had told her earlier.
Whether you're dreaming of starting your own business, trying to get your head around AI and whether you should be using it, or just love hearing successful women talk honestly about the times things didn't go to plan, this episode is packed with wisdom you can actually use. In this episode, you'll learn:
The financial mistake that had Lisa's CFO asking for another $100K, every single day
Why "bigger" isn't always "better" when it comes to profit and business growth
How to reverse engineer worst-case scenarios before you take a financial risk
What Lisa would do with $5,000 to start a business today =
Why you should test demand before you spend a cent on your idea
How to find non-competing partners who can promote you for free
Why women should be adopting AI now, not later, and how to actually use it in your business
How one piece of intellectual property can become five different revenue streams
Lisa's biggest lesson from becoming a mum, and how it's shaped her as a founder
Perfect for: aspiring founders, women thinking about starting a side hustle, and anyone who wants a masterclass in money mindset from someone who's built (and rebuilt) it all.
The biggest takeaway from this episode? You don't need money to start, you need clarity, courage, and a plan for what happens if it doesn't work. 🎧

If you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.

Should you still buy property after the latest Australian Budget changes to negative gearing and capital gains tax?
Molly sits down with buyers’ agent and property investing expert Arjun Paliwal from Investorkit to break down what’s actually changed for Australian property investors and first home buyers, what hasn’t, and whether the recent tax changes should really affect your decision to buy property.
With so much confusion around negative gearing, capital gains tax, new build incentives and property investing, it’s easy to panic and put your plans on hold. This episode cuts through the noise with clear, practical advice, no jargon, no scaremongering.
Whether you're considering buying your first home, investing in property, or you've paused your plans because of the latest government changes, this episode will help you understand what the new rules could mean for you.
In this episode, you'll learn:
What’s actually changed with negative gearing, capital gains tax and new build incentives
What the latest Australian Budget changes mean for property investors and first home buyers
Why property finance applications have reportedly dropped since the Budget
Arjun’s five-point checklist for knowing when it could be the right time to buy
Why new build investment properties aren’t automatically better
What happens if you buy property now, including the July 2027 and July 2028 cut-offs
How interest rate cuts and rising rents could offset some of the impact of negative gearing changes
Who is actually affected by the new property tax rules, and who isn’t
What the proposed capital gains tax discount changes and 30% minimum tax could mean for investors
The “third decade effect” and why time in the market can matter more than perfect timing
Why uncertainty doesn’t necessarily mean you should stop investing
Who is this episode for?
This episode is for Australian women thinking about buying their first home or an investment property, anyone feeling anxious about recent Australian Budget and property tax changes, and women who want to make property investment decisions based on strategy rather than fear.
The biggest takeaway? The property fundamentals haven’t necessarily changed as much as people’s confidence has. And understanding the difference could help you make a much more informed decision about your next move.
🎧 Want more from Arjun?
Arjun Paliwal is one of the speakers joining us at the Online Wealth Summit 2026, a free one-day virtual financial education event designed to help you make smarter, more confident decisions with your money.
👉 Register for the 2026 Online Wealth Summit

If you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.

💰 Ever looked at an ETF ticker and felt like you needed a finance degree just to understand it? Same. That's exactly why we brought in the expert.
In this episode, Molly sits down with Jess Leung from Global X ETFs for a masterclass on ETF investing. Jess breaks down some of the most talked-about ETFs on the market right now, from semiconductors (the tiny chips quietly powering the entire AI boom) to copper miners (yes, really and it makes total sense once she explains it).
You'll learn:
✅ How ETFs like semiconductors and AI funds actually work, and why they've become so popular
✅ The "core-satellite" strategy for building a portfolio (explained through a wardrobe analogy you'll never forget)
✅ How to actually buy an ETF, step by step, plus tips on timing your trades
✅ Whether we're in an AI bubble (Jess gives her honest take)
Whether you're just starting to explore investing or you're ready to add a bit more nuance to your portfolio, this episode is packed with practical, real-world insight you can actually use.
🎉 Loved this episode? You'll love the 2026 Online Wealth Summit even more.
This is just a taste of what's coming on Friday, 18 September, 9AM–4PM AEST, live via Zoom and completely free to attend. Jess is back for the full summit, joined by Alec and Bryce from Equity Mates, Arjun Paliwal from InvestorKit, and a stacked lineup of Australia's top money experts, plus Molly herself.
👉 Grab your spot at the 2026 Online Wealth Summit

If you're serious about building long-term wealth, don't miss our Online Wealth Summit - https://www.ladiesfinanceclub.com/online-wealth-summit-2026, where Australia's leading money experts will share practical strategies to help you grow your wealth with confidence.
Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/

💌 Want more money tips straight to your inbox?
Join thousands of Australian women getting savvy with their finances -subscribe to the Ladies Finance Club newsletter for the latest money hacks, expert advice, and exclusive event invites! Sign up here at https://www.ladiesfinanceclub.com/newsletter25
Are we friends on Instagram? Follow us here at https://www.instagram.com/ladiesfinanceclub
The advice shared by Ladies Finance Club is general in nature and does not consider your individual circumstances. Our content is for educational purposes only and should not be relied upon to make financial decisions. If you are considering purchasing a financial product, read the PDS and TMD and seek financial advice tailored to your personal needs. Molly Benjamin and Ladies Finance Club Pty Ltd are authorised representatives of Wattle Partners Pty Ltd, AFSL 383169.
Ladies Finance Club acknowledges the Traditional Owners of the Land on which this podcast was recorded, the Gadigal people of the Eora Nation. We pay our respects to their Elders past and present and extend that respect to all Aboriginal and Torres Strait Islander peoples.
[See omnystudio.com/listener for privacy information.]
Throw some coins in our tip jar: https://buymeacoffee.com/ladiesfc
See omnystudio.com/listener for privacy information.