You don't have the right information

We make so many decisions that have consequences that we do not understand.

It shouldn't be this way.

For a parent returning to work, the financial impact on the family budget should be easy to estimate. Unfortunately, because of the complex way child care support, tax and family support work, this can be extremely difficult to estimate.

For an Australian approaching retirement, there is a great unknown around the many years that savings are mean't to support. There are 49 supplements, concessions, programs and loans available to an Australian Age Pensioner - and they are hard to find.

For an Australian using Medicare, paying tax, buying a first home or needing aged care help, there are a multitude of programs with complex eligibility that need to be considered.

It's all so complex.