Free guide
5 moves that improve
almost every Australian's
financial position.
No jargon. No advice. No upsell. Five specific, Australian-tax-law-accurate steps — with the free tools to run your actual numbers.
By Robin Monro — software engineer, soon-to-be teacher, and person who once counted $8 in coins for petrol.
Step 01
Know your effective tax rate — not your marginal rate
Most people think they pay 37 cents in the dollar. Most don't. Your effective rate is almost always much lower — and knowing the actual number changes how you think about every financial decision.
Check yours: Salary Converter →Step 02
Find your salary sacrifice sweet spot
If your marginal tax rate is above 15% (which it is if you earn more than $18,201), salary sacrificing into super earns you a guaranteed return equal to the gap. At 32.5%, that's a 17.5% guaranteed return before your money is even invested.
Calculate yours: Salary Optimiser →Step 03
Check your Medicare Levy Surcharge exposure
If you earn above $93,000 and don't have private hospital cover, you're paying an extra 1%–1.5% of your income to the ATO. Getting basic hospital cover often costs less than the surcharge itself.
See the impact: Tax Withheld Calculator →Step 04
Run your Financial Health Score
Before you optimise anything, you need a baseline. The Financial Health Score takes 5 minutes, covers all the major domains of your financial life, and tells you where to focus first — not where to start randomly.
Run yours: Financial Health Score →Step 05
Use the Money Decision Tree before any big financial move
Got a lump sum? Got spare cash? Got a bonus? Before you decide what to do with it — emergency fund, debt, super, ETF, offset, property — run it through the decision tree. It asks the right questions in the right order.
Use it: Money Priority Decision Tree →Want to go deeper?
I'm building a 10-week program that applies all of this — specifically to you.
The tools show you what the numbers are. The course shows you what to do about them, in what order, with the resources to actually implement it.
No pitch. No advice. No obligation.