Run your own numbers first.

How long your super and investments could fund the lifestyle you want, and the age at which they run out.

What your balance could become by retirement under different contribution levels and return assumptions.

How growth compounds year on year, and why the early years and the reinvestment rate matter most.

What you would pay on a given income under current Australian rates, and your effective tax rate.

Repayments across loan size, rate and term, and what paying extra does to the total interest bill.

The cover your family would need to clear debt and replace income if you could no longer work.

Where your money goes each month and what is genuinely left to save, invest or contribute to super.

Assets minus liabilities, the starting point of every plan and the number worth tracking each year.