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What if you only had to think about money four times a year?
Most personal finance advice quietly assumes you have unlimited attention to give it. Track every transaction. Review the portfolio. Optimise the offset. Check in weekly.
You are tired. You have a job that already takes more than it should. And the honest truth is that constant financial attention doesn't produce better outcomes than occasional deliberate attention — it just produces more guilt in between.
So here's the alternative. One hour, four times a year, with a fixed list. Everything that genuinely needs checking gets checked. Nothing drifts for three years unnoticed. And in between, you are allowed to simply not think about it — not through avoidance, but because it's handled.
WHAT'S INSIDE
The six-station hour — ten minutes each, in the order that works best
A seasonal overlay — the one extra thing worth doing in each quarter of the Australian financial year
The pre-EOFY station, so June stops being a scramble
A printable one-page version to keep with your statements
The five rules that make it a ritual instead of a chore
A PAGE FROM IT
This is one real page. Nothing is blurred, and there's no second version behind the email form.
WHO IT'S FOR
Anyone who is competent at their job, functional in their life, and somehow still has three years of unopened super statements. Especially useful if you're time-poor and every system you've tried has died by February.
WHAT THIS ISN'T
It isn't a recommendation about what to do with whatever you find. It's a checklist of what to look at, four times a year — the decisions all stay yours. There's no app to install, no spreadsheet to maintain and nothing to subscribe to.
Where should we send it?
One email, and it's yours. No account to make, and the link doesn't expire.
You'll also get The Note, a fortnightly letter about money. Unsubscribe in one click, any time. We never sell or share your details. Privacy Policy
THE BOUNDARIES
Finance Wellness provides general financial education only. We do not hold an Australian Financial Services Licence, we do not provide personal financial product advice, and nothing in this resource takes into account your objectives, financial situation or needs.
Nothing here is a recommendation to acquire, hold or dispose of any financial product. We take no commissions and no referral fees, and there is no product being sold at the end of this.
Figures are current for the 2026–27 Australian financial year. For advice about your circumstances, speak to a licensed financial adviser or a registered tax agent.
Finance Wellness provides general financial education only. We do not hold an Australian Financial Services Licence and we do not provide personal financial product advice. Nothing on this site takes into account your objectives, financial situation or needs. Figures are current for the 2026–27 Australian financial year unless stated otherwise. For advice about your circumstances, speak to a licensed financial adviser or a registered tax agent.