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.

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

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.