Welcome to my new newsletter format
Every fortnight I will send out my "3-2-1" newsletter with 3 personal finance ideas from me, 2 quotes from others and 1 question for you to ponder
Note: You are receiving this email because you are a part of my LinkedIn community or you have subscribed.

3 ideas, 2 quotes, 1 question
Happy 3-2-1 Tuesday,
To kick of today I wanted to share my most popular social media post of the month.

Alright, let's get into it...

Here are 3 personal finance ideas from me, 2 quotes from others, and 1 question for you to consider this week.
I. "Anyone can become wealthy, asset allocation is how you stay wealthy"
II. The old saying of “a dollar saved is a dollar earned” or a “penny saved is a penny earned” are not true. The fact is that you need to factor in income taxes you pay into everything you do. In other words, you need to earn more than a dollar in order to save a dollar.
III. "9 ways to grow your super"
  1. Maximise your employer contribution
  2. Make extra contributions
  3. Start salary sacrificing
  4. Contribute non-super assets
  5. Selling family home downsizer super contribution option
  6. Work longer
  7. Co-contribution or low-income tax offset from the Government
  8. Consolidate your other super funds
  9. Find any lost super
I. "Smart people learn from mistakes. But the real sharp ones learn from the mistakes of others.” Brandon Mull
II. “I’ve only had two rules: Do all you can and do it the best you can. It’s the only way you ever get that feeling of accomplishing something.” Colonel Harland Sanders
Am I proud of what I am choosing to do?

P.S A warm shout out to Rose who recently gave me a 5 star google review -  “ We were initially introduced to Mike by our mortgage broker as we felt we lacked a clear plan for our retirement. We knew we needed an expert adviser as we are experts in our own fields and understand what value that brings. Mike and his team have given us the financial guidance we were looking for, enabling us to live the lifestyle we wanted, while not stressing about the future. I wouldn’t hesitate to recommend Mike and his team to anyone."

Until next time,
Mike Sikar  |  Founder & Principal Adviser

A: Level 11, 22 Market Street, Sydney 2000
T: +612 9327 4338 | M: +61438 334 334

Delta Financial Group Pty Ltd Corporate Authorised Rep
Of GWM Adviser Services Ltd AFSL no. 230692

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Mike Sikar, Delta Financial Group Pty Limited, ACN 148 831 038, is an Authorised Representative of GWM Adviser Services Limited, ACN 002 071 749, an Australian Financial Services Licensee with its registered office at 103-153 Miller Street North Sydney NSW 2060

This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial and tax and/or legal advice prior to acting on this information. The material contained in this newsletter is based on information received in good faith from sources within the market, and on our understanding of legislation and Government press releases at the date of publication, which are believed to be reliable and accurate. Opinions constitute our judgement at the time of issue and are subject to change. Neither, the Licensee or any of the National Australia group of companies, nor their employees or directors give any warranty of accuracy, nor accept any responsibility for errors or omissions in this email.