Income comes from many sources but for Australian families, less than 10% are financially independent. The majority of 60% are “job dependent” and 30% are “socially dependent” i.e. on government benefits.

The life-style choices of any individual or the family are closely linked to their income in a free market economy, hence the importance of “assuring or securing income”. Of course individual's skills, education, and opportunity, all contribute to success in the job market.

Access to a job is the first requirement, but equally important is the level of income. In Australia over 50% of the population have incomes less than $30,000 per year. Many of these households don’t think that this is sufficient and are attracted to various forms of high risk investments (gambling) where the slim chance of winning can be one in 8-55 million. Gambling losses are over $750 per year for every adult in Australia, which is "huge" considering that only a small percentage of the population gambles.

“Doing your job better” is therefore a very important responsibility for everyone to assure an optimum flow of income into the household. Our Job-on-a-Page is a simple tool to help you define your job responsibilities and help you do your job better.

Also if you manage a business or staff then our Management Self-Assessment Tool will allow you to rate yourself as a manager in your own business environment. These tools will help you secure your income as you progress to the next stage of Investing Profitably.