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.

Returning to work after maternity leave is a major life transition—emotionally, professionally, and financially. While your focus may be on juggling routines and reconnecting with your career, your superannuation deserves attention too. Time away from paid work can create gaps in your retirement savings, but with a few smart strategies, you can start rebuilding with confidence.

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.