Single Laterals could consider post-tax sacrificing more into their ADF Super and still have lots left for weekend beers and exploration. Pre-loading their ADF Super early for a bigger pot later in life, then reduce contributions when they settle down and take on more responsibilities.

Married/Defacto Laterals can take advantage of spouse-super-contributions where if your partner earns under $40000 per annum you can put $3000 into their Super. Achieving:

• Up to $540 refund at tax time
• Removing $3000 from serving members combined taxable income, moving higher income down a tax bracket creating more savings

Fact, putting $3000 into a spouse super before end June in your 1^st year then putting another $3000 in asap in the new tax year from 01 July increases the compounding effect.

(Factual/informational only, seek independant advice for your own circumstances prior to investing)