Ok if your super balance is less than $500,000 then you can use any unclaimed portion of your concessional contributions in the prior 5 years.
The easiest way is to log into my gov and see how much you can use from prior years.
I have done this and saved a lot in tax and boosted my super in the process.
You will need to watch your age, though too.
If you are above $500,000 super balance you can for get it, however it may work with your spouse.
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Ok if your super balance is less than $500,000 then you can use...
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