Here's an uncomfortable fact. The people doing the most physically risky work in Australia are, on average, the least likely to have decent insurance covering them. Office workers with the least physically demanding jobs are often better protected than the blokes and women up on roofs or under houses all day. Why does this happen? A few reasons. Insurance feels like an expense with no visible return, right up until the day it isn't. Trades work often comes with irregular inco

Ask any tradie about their retirement plan and you'll usually get a shrug and a "she'll be right." It's the same attitude that gets you through a rough day on site. Just push through, sort it out later. Problem is, "later" has a sneaky way of turning into never. Here's the thing about financial planning. It's not like a leaking tap where you can see the problem staring at you. There's no drip, drip, drip warning you that you're behind on super or under-insured. It just quietl