Singles could post-tax sacrifice more into their Super and still have lots left for weekend beers and exploration. Pre-loading their Super early, then reduce contributions when they settle down and take on more responsibilities.

Those leaving dependants behind with court mandated financial obligations may be able to offset payments through their registered tax agent.

Married/Defacto 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 their taxable income, moving other higher income down a tax bracket creating more savings
• Fact, putting $3000 into a spouse super before mid-June in your 1^st year then putting another $3000 in asap in the new tax year from 01 July. Then making future deposits in July increases the compounding effect
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Using the calculator you can see what adding $6000 early to a partners Super would generate for them to age 60-67 growing at an average rate of 8.3% a year.