The Questions We Actually Answer
Back in late 2018, Callum Ravenscroft was sitting across from his
mate who'd just gotten a promotion. Good salary, sensible bloke. But
he was freaking out about whether to negotiate his super
contributions or just take the default. Simple question, right?
Except it wasn't simple. Because no one had ever explained to him
how super actually worked, what the tax implications were, or what
mattered at age 31 versus 51. He'd been taught algebra and essay
structure, but never this.
That conversation turned into pyrelanthiq. We focus on the
psychological side of budget decisions—the part that actually
determines whether you follow through or not.