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We share practical ways to keep more of what you earn by choosing the right structure, building cash flow discipline, and planning for profit first. Accountant Mai Harris also maps a clear path into property, super, and teaching money skills to the next generation.

• choosing PAYG, sole trader, or company for commission income
• setting a base wage and pre-allocating tax, GST, super, and marketing
• understanding gross margin, break-even, and monthly reviews
• avoiding tax shocks with reserves and automation
• funding assets with profit, not hope
• when property makes sense and how to avoid cash bleed
• using super and SMSF to build retirement income
• defining financial success as freedom of choice
• a plan to teach budgeting and tax basics in schools

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