My Accounting Advantage

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We're back this week with a hugely important topic.

Payday Super is one of the biggest changes to hit Australian employers in years — and many businesses aren’t ready for the cash flow impact.

In this episode, Lee and Mai unpack what Payday Super actually means, why it’s a major shift from the current system, and how it could seriously affect small business cash flow if you’re not prepared.

From 1 July 2026, employers will be required to pay superannuation at the same time as wages, rather than quarterly. While the super rate itself isn’t changing, the timing is — and that timing could catch businesses off guard.

In this episode, Mai talks about:

• What Payday Super is and how it changes the current super guarantee system
• Why paying super quarterly will no longer be an option
• The cash flow shock many businesses are about to face
• What happens if you don’t have the cash available on payday
• ATO penalties, interest, and why “paying late” is no longer forgiven
• How mismatched debtor days vs pay cycles can create serious pressure
• Practical steps you can take now to prepare
• Why building cash reserves before July 2026 is critical

This episode is a must-listen for any business owner who employs staff (or pays themselves wages). 

Download our helpful checklist here: https://myaccountingadvantage.com.au/documents/MAA-Pay-Day-Super-2026-Checklist.pdf

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Disclaimer

The advice contained in this presentation is general in nature only and should not be acted on without first seeking professional advice.

Your personal circumstances have not been taken into account, and you should consider the appropriateness of the advice to your individual needs.

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Welcome back to the My Accounting Advantage podcast.

In this episode, Mai tackles one of the biggest and most common questions Australians ask when it comes to building wealth: is buying an investment property really for everyone?

Property is often seen as the ultimate milestone — something you’re “meant” to do. But as Mai explains, it’s not always that simple. Whether you’re a PAYG employee, a couple with an existing mortgage, or a business owner, the right answer depends on your income, cash flow, risk appetite, and long‑term goals.

Mai breaks down why Australians are so drawn to property, the realities of negative gearing, and the often‑overlooked costs that can catch investors off guard. She also explains why modelling and professional advice should always come before buying — not after.

The conversation also explores alternative strategies, including investing through a self‑managed super fund, and when that approach may (or may not) make sense.

This episode is a practical, honest discussion designed to help you slow down, ask better questions, and make informed decisions, rather than following the crowd.

In this episode, Mai talks about:

• Why property investing is so ingrained in Australian culture
• Whether stable PAYG income versus business income changes the strategy
• How negative gearing works — and what it doesn’t solve
• The importance of cash flow, not just tax deductions
• Common costs that surprise property investors
• When an investment property may not be the right move
• Why financial modelling is essential before buying
• How self‑managed super funds can be used to invest in property
• Why expert advice and clear goals matter more than market hype

Stay tuned for more weekly episodes where Mai shares practical insights, real conversations, and clear guidance to help you build long‑term wealth with confidence — not just get through tax time.

Learn more about My Accounting Advantage

Disclaimer

The advice contained in this presentation is general in nature only and should not be acted on without first seeking professional advice.

Your personal circumstances have not been taken into account, and you should consider the appropriateness of the advice to your individual needs.

Ask Mai & Send Feedback

Welcome to the very first episode of the My Accounting Advantage podcast.

This episode is all about getting to know the person behind the mic, Mai Harris. 

Mai shares with us her journey, how she ended up Director and Principal Accountant of My Accounting Advantage, and why she’s so passionate about helping people do more with their money than just survive tax time.

You’ll hear about Mai’s approach to accounting, why she believes proactive advice makes such a difference, and what really matters to her when working with clients. This down‑to‑earth introduction sets the tone for the conversations to come – practical, honest, and focused on building long‑term wealth, not just ticking boxes.

In this episode, Mai talks about:

• How she got started in accounting and the experiences that shaped her career
• Why she believes accounting should be about planning ahead, not just looking backwards
• Her approach to working with clients and what she values most in those relationships
• The difference between compliance‑only accounting and proactive, wealth‑focused advice
• How AI can boost efficiency without replacing human judgment – and where it can go so wrong.
• Why education, clarity, and asking the right questions are so important
• What listeners can expect from future episodes of the podcast

Stay tuned for weekly episodes where Mai shares practical insights and real conversations designed to expand your knowledge and help you build long‑term wealth with confidence.

Learn more about My Accounting Advantage

Disclaimer

The advice contained in this presentation is general in nature only and should not be acted on without first seeking professional advice.

Your personal circumstances have not been taken into account, and you should consider the appropriateness of the advice to your individual needs.