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b'In this episode, Dan talks to Tim Lambert from Spirit Super about making the most of your superannuation. Listen as they discuss actionable items that can help you now and in the future!\\n\\nAn estimated 1 in 3 working Australians have more than one super account, resulting in millions of dollars lost each year in unnecessary fees. Learn about the benefits of consolidating your Super into one account. \\nFollow along in exploring how to use tax deductions for personal contributions. Making additional contributions to your super through concessional (pre-tax) contributions can provide significant tax advantages.\\nLearn more about understanding your risk tolerance and choosing the right investment portfolio within your super account \\u2013 it\\u2019s crucial for long-term growth. \\n\\nSpirit Super is a profit-for-members industry super fund with approximately $25 billion in funds under management and over 350,000 members all over Australia. Learn More: https://www.spiritsuper.com.au/ \\n\\nPast performance isn\\u2019t a reliable indicator of future performance. Consider the PDS and TMD at spiritsuper.com.au/pds before making a decision. Issuer is Motor Trades Association of Australia Superannuation Fund Pty Ltd (AFSL 238 718, ABN 14 008 650 628). Advice is provided by Quadrant First Pty Ltd (ABN 78 102 167 877, AFSL 284443). Awards and ratings are only one factor to be taken into account when deciding how to invest your super. \\n\\nIf you enjoy the show, we\\u2019d love to hear from you! Leave a review on the YouTube comments to help other people like you find us and get better with money.\\n\\nDisclaimer\\nWe Talk Cents is not a financial advisor and the information provided is general in nature and was prepared for information purposes only. This podcast should not be considered to constitute financial advice. Accordingly, reliance should not be placed on the podcast as the basis for making an investment, financial or other decision. This information does not take into account your investment objectives, particular needs or financial situation.'