Ladies Finance Club - Get Rich

How much could a career break really be costing your super and what can you actually do to catch up? 👶
This is the final episode in our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust, and Molly's back with her newest sidekick, baby Amali! This week she sits down with Ruth to unpack five practical ways Aussie women can catch up on their super after time away from work, whether that's for raising kids, caring for elderly parents, or just taking some time out.
Whether you've paused work to look after a family member, took a few years off, or you've come back and have no idea if you're "behind," this episode is for you.
In this episode, you'll learn:
The difference between concessional and non-concessional super contributions, and how much you can add to each
How spouse contribution splitting works and why it's a fairness play, not a tax one
What the government co-contribution scheme is and how it could add up to $500 to your super
How the spouse contribution tax offset works if your partner tops up your account
What the concessional carry-forward rule is and how to use unused caps from previous years
Why checking your fund's fees, performance and whether to consolidate matters just as much as making contributions
Molly's own experience using spouse splitting while on maternity leave
Ruth's advice for anyone who's been avoiding their super altogether
Perfect for: Aussie women returning to work after a career break, mums on maternity leave, anyone who's taken time out to care for family, and women who want simple, no-jargon ways to feel more confident about their super.
The biggest takeaway from this episode? You don't need a huge overhaul, small, consistent moves now can make a massive difference to your super down the track. 🎧
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
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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.

How does retirement with super actually work, and how do you know when you've got "enough"? In episode 4 of our five-part series helping Aussie women get super at Super, proudly brought to you by Australian Retirement Trust, Molly sits down with superannuation expert Ruth to unpack exactly what happens to your money once you retire, practical answers for women who want to feel in control of their retirement income.
Whether you've been putting off thinking about "what happens next" with your super, aren't sure if you need to notify your fund the moment you retire, or just want to know how much is actually "enough," this episode is for you.
In this episode, you'll learn:
Why you don't have to touch your super the moment you retire, and when it makes sense to leave it invested
The difference between taking a lump sum and setting up an income account (and why most people don't realise they have a choice)
Why your super keeps earning returns even after you retire, and why running out is less common than you'd think
The real tax perks of moving your money into an income account after 60
What "comfortable retirement" actually costs for a single woman vs a couple, in real numbers
How the Age Pension asset and income tests work (and why your home isn't counted)
How to think about your super independently from your partner's, including what happens if you separate or they pass away
Why healthcare and aged care costs deserve a place in your planning, even though they're hard to predict
The biggest mistakes women make with their super at retirement
The single most powerful move you can make if you're 10 years out from retiring
Perfect for: Australian women approaching retirement, anyone who's ever wondered "do I have enough?", and women who want to make sure their super works as hard for them in retirement as it did while they were saving it.
The biggest takeaway from this episode? Your super doesn't stop working for you the day you retire, and there's more flexibility (and more of a safety net) than most women realise. 🎧

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/

💌 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.

If you're a woman in your 50s and you've ever looked at your super and thought, “Is this actually enough?”, this episode is for you
Your 50s can be a bit of a financial wake-up call. Retirement suddenly feels closer, while you might still be supporting grown-up kids, helping ageing parents, paying off the mortgage or recovering from years out of the workforce.
But being behind on super doesn't mean you've missed your chance.
Molly chats with Ruth from Australian Retirement Trust about superannuation for women over 50, including how to catch up, make the most of your remaining working years and feel more confident about retirement.
In this episode, we cover:
💰 How much super you might need for a comfortable retirement
📈 What to do if you're behind on your super at 50
💸 Catch-up contributions and how they work
💰 Salary sacrifice and why small contributions can add up
👩‍👧 How career breaks and raising children can affect women's super
💔 What happens to super during separation or divorce
🏠 How downsizing and inheritances can potentially boost your super
📊 Why your investment timeframe doesn't necessarily end when you retire
🔄 Transition to Retirement and accessing some of your super while still working
🧠 How to stop panicking about your super and start taking action
The biggest message?
It's not too late.
If you've been avoiding your super because you're worried about what you'll find, this conversation is a great place to start.
This episode is part of our five-part Get Rich series on superannuation, proudly brought to you by Australian Retirement Trust.
This episode contains general information only and doesn't take into account your personal circumstances. Consider seeking professional financial advice before making decisions about your superannuation.
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/

💌 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 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/

💌 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.

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.