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Superannuation is one of the most tax-effective ways to build long-term wealth—but it comes with rules. One of the most important is knowing how much you can contribute each year without triggering extra tax. These limits are called contribution caps, and staying within them can help you grow your retirement savings efficiently and confidently.

When it comes to growing your superannuation, understanding the difference between concessional contributions (CC) and non-concessional contributions (NCC) is essential. These two types of contributions offer different tax treatments, caps, and strategic advantages—especially for women planning for retirement or navigating midlife financial decisions.

Raising children in Australia has never been more financially demanding. From childcare and education to extracurriculars and everyday expenses, the cost of parenting continues to climb. Yet, despite these pressures, many Australian families are taking proactive steps to secure their children’s financial future. According to the Finder Parenting Report 2023, 57% of Australian parents have opened savings accounts for their children under age 12 (Godfrey 2023).

When we hear the term financial wellness, many of us picture a paid-off home, a healthy investment portfolio, or the freedom to never worry about bills. And while those are important milestones, they don’t tell the whole story. 

Superannuation might not be the most exciting topic at brunch—but it should be. Why? Because it’s one of the most powerful tools you have for long-term financial wellbeing. And yet, many Australians—especially women—aren’t making the most of it.

Motherhood is a beautiful, life-altering journey. It’s filled with love, sacrifice, and growth. But there’s one cost that often goes unnoticed—until it’s too late. It’s not the sleepless nights or the endless laundry. It’s the financial toll on your superannuation. In Australia, the average woman can lose over $47,000 in retirement savings simply because she became a mother. That’s not just a number—it’s a wake-up call.