![Andrew and Sophie Courtney with their daughter on holiday in Tasmania.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/5/p/c/o/image.related.wideLandscape.940x529.gx0rok.12uqus.png/1499412001472.jpg)
Money features
![Australian Dairy Farms is the Shares Race's best performer.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/h/0/n/r/g/image.related.landscape.120x80.gx6j2p.png/1499391782142.jpg)
Ellis wins the Shares Race with all 10 tips in the black
Angie Ellis of 80 20 Investments wins the four-week Shares Race.
![Retiring from work doesn't mean retiring from life.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/6/4/3/z/image.related.landscape.120x80.gx60jc.png/1499377253385.jpg)
Avoid these mistakes to 'retire right'
The way to a happy life is to have "someone to love, something to do and something to look forward to".
![Will we have enough to get through to the end?](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/v/o/k/s/b/image.related.landscape.120x80.gx5yvc.png/1499319031295.jpg)
Build super over time, as opportunities to play catch-up shrink
The major super changes legislated in 2016 are now in force, requiring many current and future retirees to review their strategies.
![Industry super funds look set to overtake DIY funds and retail funds as the biggest sector](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/1/2/w/k/3/d/image.related.landscape.120x80.gx6u76.png/1499429912139.jpg)
Our super is set to hit $3 trillion in three years
The superannuation pool is forecast to reach $3 trillion in just three years, from $2.4 trillion now.
![Katherine Westwood and Sophie Gilliatt, the co-founders of the Dinner Ladies.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/5/u/p/u/image.related.landscape.120x80.gx5ul5.png/1499497923999.jpg)
How the Dinner Ladies found the recipe for financial independence
The hunger for a home-cooked meal turned a small idea into a thriving business.
![Underpayment or non payment of super is likely to become a bigger problem because of the growth in part-time, casual and ...](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/h/o/b/j/1/image.related.landscape.120x80.gx5x5g.png/1499335536270.jpg)
Locations where workers are ripped-off on super revealed
Hard-working people are being left tens of thousands of dollars short at retirement.
![Money is the number one thing that couples fight about so lock in good financial habits together from the start.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/s/t/b/m/image.related.landscape.120x80.gx3xfa.png/1499119114329.jpg)
Hey sneak spender
Some of us cheat with the big things that could potentially be relationship-ending if our partner found out. Some of us cheat with the little things because we want to avoid an argument.
![Illustration: Ward O'Neill](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/3/x/5/9/image.related.landscape.120x80.gx3x46.png/1499170741466.jpg)
Three scenarios to decide on transition to retirement
It's decision time for anybody with a transition to retirement pension.
![Lynda and Graham Turner on the ski-slopes in Canada earlier this year.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/1/y/3/a/image.related.landscape.120x80.gx1xrk.png/1499187515278.jpg)
Travellers' cheques can't be cashed but couple told there's no problem
Lynda and Graham Turner bought thousand of dollars worth of US and Canadian dollar travellers' cheques from American Express and then couldn't use them.
![APRA tightened restrictions on interest-only loans and lenders have quickly reacted.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/r/i/x/2/image.related.landscape.120x80.gx0rg9.png/1498690692399.jpg)
Interest-only loans keep appeal despite growing expense
APRA wants to reduce the growth of interest-only loans, which are highly popular with investors and even owner-occupiers in special situations.
![Fear of poverty is a real psychological condition.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/2/a/m/p/image.related.landscape.120x80.gx2b9p.png/1498811009134.jpg)
Being rich doesn't inoculate you against debilitating fear of poverty
The fear of ending up in poverty is real for some Australians no matter how well heeled, Nina Hendy reports.
![Gary and Beancaa Stanley have made huge savings on their electricity bills by installing solar panels and batteries.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/1/0/y/4/image.related.landscape.120x80.gx10sn.png/1498809455743.jpg)
How to fight back against rising energy costs
As everyone who pays power bills knows, electricity prices and gas prices are soaring and energy market observers are expecting further rises.
![The gap between interest rates on interest-only home loans and others has widened significantly.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/2/4/w/n/image.related.landscape.120x80.gx0vvt.png/1499187571604.jpg)
Is it time for property investors to start paying down debt?
The tax benefit from an interest-only loan is now outweighed by the savings on offer with principal & interest loans.
![Qantas has helped put Caitlin Fitzsimmons into second spot](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/y/z/r/d/image.related.landscape.120x80.gx1sj0.png/1498787107231.jpg)
Ellis makes hay as Shares Race enters its final week
Angie Ellis of 80 20 Investments continues to go from strength to strength in the third week of the four-week Shares Race with good performances from most of her 10 stock picks.
![</p>](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/y/d/p/5/image.related.landscape.120x80.gx1vx6.png/1498791204742.jpg)
Five investing concepts you might be getting wrong
"You keep using that word", Inigo Montoya said in the movie The Princess Bride, "I do not think it means what you think it means."
![Your 50s can be a time to try new things in work and leisure.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/0/a/5/q/image.related.landscape.120x80.gx09ck.png/1498622587915.jpg)
Transition to retirement still worthwhile – but not for the tax perks
Despite limited tax incentives, there are some compelling reasons why a TTR income stream might still be for you.
![Most Australians don't have anywhere near $1 million saved for retirement.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/2/8/o/h/image.related.landscape.120x80.gwzo7q.png/1498616721497.jpg)
Busting the $1 million retirement myth
Most Australian workers have nothing like $1 million in super, yet still report being satisfied and fulfilled in retirement.
![Australians claim about $23 billion in tax deductions for work-related expenses each year.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/j/0/h/l/z/image.related.landscape.120x80.gx0gny.png/1498769775719.jpg)
Tax time: top work-related expenses ATO's eyeing
Higher-than-expected tax deductions relating to cars, travel, clothing, internet and mobile phones, and self-education expenses are among the top claims the tax man will be keeping a close eye on this tax time.
![Liz Hall-Downs is among the 13 per cent of disability pensioners to own a home either outright or with a mortgage.](http://web.archive.org./web/20170708154103im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/z/c/z/6/image.related.landscape.120x80.gwzdan.png/1498606578207.jpg)
'We built our own home on the pension'
It took more than a decade to build but the couple have achieved their dream of home ownership.