For many women, motherhood brings profound joy — and complex financial decisions. Whether you're preparing for parental leave, stepping back from full-time work, or considering a longer career break, it's natural to worry about the impact on your financial future. Will your superannuation suffer? Can you stay on track with your goals? How do you protect your long-term security while prioritising your family?

Divorce or separation can feel like a seismic shift — emotionally, socially, and financially. For many women, especially those who’ve stepped back from paid work to raise children or support a partner’s career, the end of a relationship marks not just the loss of a shared life, but the beginning of a daunting financial journey. But here’s the truth: your financial voice is still yours. And it’s time to reclaim it.

Superannuation is designed to support you in retirement—but life doesn’t always wait. For women facing financial hardship or serious medical conditions, early access to super may feel like the only option. While it’s possible under strict conditions, it’s important to understand the rules, risks, and alternatives before making a decision.

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.

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).