![Champagne](http://web.archive.org./web/20170705224309im_/https://www.fairfaxstatic.com.au/content/dam/images/g/x/4/0/8/z/image.related.wideLandscape.940x529.gx3c4q.12uqus.png/1499257355070.jpg)
Money features
![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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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/20170705224309im_/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.
![Each tax return is now scrutinised by the Tax Office, matching 650 million pieces of data.](http://web.archive.org./web/20170705224309im_/https://www.fairfaxstatic.com.au/content/dam/images/g/p/h/l/f/b/image.related.landscape.120x80.gwzj1n.png/1498580376606.jpg)
Sharing economy, rental property and work deductions in ATO's sights
Those working as Uber drivers, letting rooms on Airbnb and offering services through AirTasker are in the sights of the Tax Office this year.
![Colin Campbell is reluctant to take on more risk.](http://web.archive.org./web/20170705224309im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/y/i/t/q/image.related.landscape.120x80.gwx2rk.png/1499187616645.jpg)
How to make retirement savings last longer than you do
Well-diversified portfolios have a split of 70 per cent in "growth" investments and 30 per cent in income-producing "defensive" investments.
![Travis Kalanick's resignation opens questions of who may take over Uber.](http://web.archive.org./web/20170705224309im_/https://www.fairfaxstatic.com.au/content/dam/images/g/w/t/u/l/v/image.related.landscape.120x80.gwzlx4.png/1498543485963.jpg)
What Uber can teach investors about culture
Uber runs the risk of stealing defeat from the jaws of victory. And largely because its "win at all costs and don't mind the collateral damage" approach saw it undermine its own customers' trust in, and respect for, the organisation.
![Retirees could be earning higher returns by taking a bit more risk.](http://web.archive.org./web/20170705224309im_/https://www.fairfaxstatic.com.au/content/dam/images/g/p/4/o/6/q/image.related.landscape.120x80.gwxayx.png/1498555362983.jpg)
Risk aversion is costing retirees tens of thousands of dollars
Most of us are more sensitive to what can go wrong than right.
![<P>](http://web.archive.org./web/20170705224309im_/https://www.fairfaxstatic.com.au/content/dam/images/g/i/u/m/o/q/image.related.landscape.120x80.gwz1wt.png/1498516333507.jpg)
Taking the blame is part of the deal in financial advice
Blame comes with the territory in all financial advice. It's why any agent gets paid commission.
![Millennials are not eschewing property ownership for avocado breakfasts - they're turning to share investment.](http://web.archive.org./web/20170705224309im_/https://www.fairfaxstatic.com.au/content/dam/images/g/o/j/n/5/f/image.related.landscape.120x80.gwxjsh.png/1498473484910.jpg)
Millennials are better with money than I was in my 20s
A relative paid my HECS debt when I was 25. I'll always be grateful but if I could turn back time, I would have asked him to teach me how to invest instead.
![The share price of design company Veris is enjoying a good run.](http://web.archive.org./web/20170705224309im_/https://www.fairfaxstatic.com.au/content/dam/images/g/n/e/t/b/e/image.related.landscape.120x80.gwwyf5.png/1498185850406.jpg)
Front runner increases her lead as tough market conditions continue
Angie Ellis boosts her lead in the second week of the Shares Race.
![</p>](http://web.archive.org./web/20170705224309im_/https://www.fairfaxstatic.com.au/content/dam/images/g/u/9/u/c/c/image.related.landscape.120x80.gwx1v9.png/1498185365718.jpg)
Sting in the super changes for lower paid public servants
Many lower income public servants and defence employees are disadvantaged by their employer's superannuation arrangements.