jinet, great reading & TU.
Yep, things change and one must be able to change with the circumstances.
There is a great little book on change management called "who moved my cheese" I read it many years ago and also explained the principals to the children when they were younger.
As for the SMSF - it remains an excellent tool during our accumulation phase, and once we reach the Tax free age 60 (if it is still tax free LOL), we also toss the strategies around.
Thanks for the different perspective.
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