Important information

After School Life: The Real-World Guide (this book and app) is a general educational resource. It explains how money, work and everyday life work in Australia, so you can understand the basics and know what questions to ask.

General information only, not advice

Nothing in this book or app is financial product advice, credit advice, legal advice or tax advice. It does not consider your objectives, financial situation or needs, and it does not recommend any particular financial product, provider, investment, insurance, loan, super fund or business structure. The publisher is not a licensed financial adviser and does not hold an Australian Financial Services Licence or an Australian Credit Licence.

Examples and calculators

Figures, worked examples and calculator results are illustrations based on averages, assumptions or the numbers you enter. They are current as at October 2026 to the best of our knowledge, but rates, prices, laws, tax rules and government schemes change, and actual outcomes will differ. Calculators use simplified methods and may leave out fees, charges, tax and other factors that apply to you. Any figures about returns or growth are assumptions, not predictions or guarantees. Past performance is not a reliable indicator of future performance.

Before you decide

Before making a financial, legal or tax decision, such as taking out a loan or credit card, buying a car or home, investing, choosing super or insurance, or setting up a business, check the current facts with official sources, read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for any product, and consider getting advice from a qualified professional, such as a licensed financial adviser, registered tax agent, accountant, lawyer or licensed mortgage broker.

Free, independent help

ASIC's Moneysmart (moneysmart.gov.au) has free guides and calculators. For free financial counselling, call the National Debt Helpline on 1800 007 007.

Brands and links

Any businesses, websites or products mentioned are examples or sources only. Their mention is not an endorsement. We are not responsible for the content of external websites.

To the extent permitted by law, the publisher is not liable for any loss arising from reliance on this book or app.