Your big chance — save your tax break!

  • Could be much better off in retirement, with no pain
  • Applies to almost everyone
  • Set up auto transfer
  • Could total more than quarter of a million dollars in retirement

Plus:

  • Similar situation if don’t spend on Lotto, but …
  • Confirming wages do grow faster than inflation

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Mary Holm, ONZM, is a freelance journalist, a seminar presenter and a bestselling author on personal finance. She is a director of Financial Services Complaints Ltd (FSCL) and a former director of the Financial Markets Authority. Her opinions are personal, and do not reflect the position of any organisation in which she holds office. Mary’s advice is of a general nature, and she is not responsible for any loss that any reader may suffer from following it. Send questions to [email protected] or click here. Letters should not exceed 200 words. We won’t publish your name. Please provide a (preferably daytime) phone number. Unfortunately, Mary cannot answer all questions, correspond directly with readers, or give financial advice.