For many Australians, superannuation will become one of the largest assets they'll ever own. Yet it's often one of the least understood.

In Episode 2 of Future-Proof, I am joined by Khyati Halani from REI Super to explore the practical steps every real estate professional can take to build greater financial security.

From the introduction of Payday Super and understanding investment options, to insurance, salary sacrifice and navigating commission-based income, this episode cuts through the jargon to focus on the decisions that can make the biggest difference over time.

Khyati also explains why women continue to retire with significantly less super than men, how career breaks contribute to that gap, and why staying engaged with your super throughout every stage of your career is one of the most important financial habits you can build.

Whether you're an employee, business owner or working on commission, this episode is packed with practical insights to help you better understand your super and take greater control of your financial future.

Because building wealth through super isn't about making one big decision. It's about making better decisions consistently.

For many Australians, superannuation will become one of the largest assets they'll ever own. Yet it's often one of the least understood.
In Episode 2 of Future-Proof, I am joined by Khyati Halani from REI Super to explore the practical steps every real estate professional can take to build greater financial security.
From the introduction of Payday Super and understanding investment options, to insurance, salary sacrifice and navigating commission-based income, this episode cuts through the jargon to focus on the decisions that can make the biggest difference over time.
Khyati also explains why women continue to retire with significantly less super than men, how career breaks contribute to that gap, and why staying engaged with your super throughout every stage of your career is one of the most important financial habits you can build.
Whether you're an employee, business owner or working on commission, this episode is packed with practical insights to help you better understand your super and take greater control of your financial future.
Because building wealth through super isn't about making one big decision. It's about making better decisions consistently.

Welcome to Behind the Numbers, the podcast that helps you make sense of the Australian real estate market. Whether you’re buying, selling, investing, or working as an agent, we break down the latest trends and insights to help you navigate the property landscape with confidence.

I’m your host, Sadhana Smiles, and with over 30 years in real estate, I’ve seen how tricky it can be to keep up with fluctuating prices, clearance rates, and market shifts. That’s why we’re here—to cut through the noise and give you clear, actionable insights.

So, whether you’re planning your next move or just curious about what’s driving the market - let’s dive into the numbers shaping Australian property with a team of experts in the know.

Reach out at: https://www.linkedin.com/in/sasmiles/ 

Welcome to&nbsp;Behind the Numbers, the podcast that helps you make sense of the Australian real estate market. Whether you&rsquo;re buying, selling, investing, or working as an agent, we break down the latest trends and insights to help you navigate the property landscape with confidence.
I&rsquo;m your host, Sadhana Smiles, and with over 30 years in real estate, I&rsquo;ve seen how tricky it can be to keep up with fluctuating prices, clearance rates, and market shifts. That&rsquo;s why we&rsquo;re here&mdash;to cut through the noise and give you clear, actionable insights.
So, whether you&rsquo;re planning your next move or just curious about what&rsquo;s driving the market - let&rsquo;s dive into the numbers shaping Australian property with a team of experts in the know.
Reach out at:&nbsp;<a href="https://www.linkedin.com/in/sasmiles/">https://www.linkedin.com/in/sasmiles/</a>&nbsp;

Behind The Numbers

Is Your Super Working as Hard as You Are? With Khyati Halani from REI Super

Financial wellbeing isn't built in a single moment. It's shaped by the decisions we make throughout our lives.

In the first episode of our special three-part Future-Proof series, proudly presented by REI Super and Real Estate Industry Partners, Sadhana Smiles is joined by Jacqui Barnes from LSRE and Khyati Halani from REI Super for an honest conversation about the financial realities many women experience throughout their careers.

From parental leave and career breaks to business ownership, separation and rebuilding, they explore how life's milestones can quietly shape our long-term financial future, and why so many women find themselves playing catch-up with their superannuation.

Drawing on their own personal experiences, the conversation explores the financial lessons they wish they'd learnt earlier, the barriers that stop women engaging with their super, and why confidence, education and open conversations matter just as much as dollars and cents.

Whether you're just starting your career, returning to work, running your own business or beginning to think more seriously about retirement, this episode is a reminder that it's never too early, or too late, to take control of your financial future.

Because the best time to start thinking about your super was years ago. The second-best time is today.

Financial wellbeing isn't built in a single moment. It's shaped by the decisions we make throughout our lives.
In the first episode of our special three-part Future-Proof series, proudly presented by REI Super and Real Estate Industry Partners, Sadhana Smiles is joined by Jacqui Barnes from LSRE and Khyati Halani from REI Super for an honest conversation about the financial realities many women experience throughout their careers.
From parental leave and career breaks to business ownership, separation and rebuilding, they explore how life's milestones can quietly shape our long-term financial future, and why so many women find themselves playing catch-up with their superannuation.
Drawing on their own personal experiences, the conversation explores the financial lessons they wish they'd learnt earlier, the barriers that stop women engaging with their super, and why confidence, education and open conversations matter just as much as dollars and cents.
Whether you're just starting your career, returning to work, running your own business or beginning to think more seriously about retirement, this episode is a reminder that it's never too early, or too late, to take control of your financial future.
Because the best time to start thinking about your super was years ago. The second-best time is today.

The Superannuation  Conversations We Need to Have -Future Proof Your Super Series with REI Super 

In this episode of Behind the Numbers, we unpack the 2026 Federal Budget and what it could mean for housing, renters, investors, inflation, and the broader Australian economy.

The government says the proposed changes to negative gearing and capital gains tax are designed to improve affordability and create more opportunity for first home buyers. But with Australia already facing critically low rental vacancy rates, rising construction costs, and not enough housing supply, we ask whether these reforms risk placing even more pressure on renters.

We discuss:
why the Budget may have created two property classes in Australia
what happens if investors leave the market faster than new housing is built
how rising rents could become an unintended consequence of the reforms
why regional Australia could feel the pressure hardest
and whether younger Australians are facing a very different pathway to wealth creation than previous generations

We also explore the broader economic contradiction sitting underneath the Budget, with inflation still being driven by global instability and energy costs while the Reserve Bank continues using higher interest rates to slow the economy down.

It is a direct and practical conversation about what these changes could actually mean for everyday Australians over the next few years.

In this episode of Behind the Numbers, we unpack the 2026 Federal Budget and what it could mean for housing, renters, investors, inflation, and the broader Australian economy.
The government says the proposed changes to negative gearing and capital gains tax are designed to improve affordability and create more opportunity for first home buyers. But with Australia already facing critically low rental vacancy rates, rising construction costs, and not enough housing supply, we ask whether these reforms risk placing even more pressure on renters.
We discuss:
<ul data-spread="false">
<li>why the Budget may have created two property classes in Australia</li>
<li>what happens if investors leave the market faster than new housing is built</li>
<li>how rising rents could become an unintended consequence of the reforms</li>
<li>why regional Australia could feel the pressure hardest</li>
<li>and whether younger Australians are facing a very different pathway to wealth creation than previous generations</li>
</ul>
We also explore the broader economic contradiction sitting underneath the Budget, with inflation still being driven by global instability and energy costs while the Reserve Bank continues using higher interest rates to slow the economy down.
It is a direct and practical conversation about what these changes could actually mean for everyday Australians over the next few years.

Budget 2026: Can Australia Tax Its Way to Affordability? With Cameron Kusher and Cate Bakos

The RBA’s latest rate decision was anything but straightforward.

A 5–4 split has pushed the cash rate higher, at a time when households are already facing rising fuel costs and ongoing pressure on affordability.

So what problem is this rate rise actually trying to solve?

In this episode, we unpack the growing divide in economic thinking. Is inflation being driven by demand, or by global forces beyond our control? Are we moving too early, or doing what’s necessary to stay ahead?

We also explore what this means on the ground. Consumer confidence, spending behaviour, borrowing capacity, and the early signals in the labour market.

And with the RBA acknowledging that a recession is a risk, we ask the question many are starting to consider.

How far does this tightening cycle go, and what does the economy look like on the other side?

The RBA&rsquo;s latest rate decision was anything but straightforward.
A 5&ndash;4 split has pushed the cash rate higher, at a time when households are already facing rising fuel costs and ongoing pressure on affordability.
So what problem is this rate rise actually trying to solve?
In this episode, we unpack the growing divide in economic thinking. Is inflation being driven by demand, or by global forces beyond our control? Are we moving too early, or doing what&rsquo;s necessary to stay ahead?
We also explore what this means on the ground. Consumer confidence, spending behaviour, borrowing capacity, and the early signals in the labour market.
And with the RBA acknowledging that a recession is a risk, we ask the question many are starting to consider.
How far does this tightening cycle go, and what does the economy look like on the other side?

Is Your Super Working as Hard as You Are? With Khyati Halani from REI Super

In 1 playlist(s)

Behind The Numbers

Social links

Follow podcast

Recent clips