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In this episode, we discuss rising energy expenses in Australia and simple changes to reduce them, despite government rebates. Additionally, we cover potential reforms in financial policy, as falling mineral prices impact revenue. Treasurer Jim Chalmers is considering tax break reforms on large superannuation accounts, which could bleed $55 billion from the budget this financial year. In the retail sector, there's optimism for boosted profits, with projected higher spending on Boxing day. Potential interest rate cuts early next year could further continue this growth trend. Finally, we delve into a new alliance in Australia's restoration industry between RACQ Insurance and RIA Australasia, aimed to lift industry standards. Keep up with the latest financial updates on financialservicesonline.com.au.