The document discusses the high cost of living and expenses families may face without income protection in place. It notes average costs of things like credit card bills, groceries, childcare, rent, transportation, dining out, education and funerals to emphasize how expensive it is to support a family and lifestyle. It suggests people consider how their loved ones would manage financially if something were to happen to their income due to illness, injury or death.

1. WHAT IS YOUR LIFE WORTH?
LIFE IS EXPENSIVE – how would your loved ones manage without your income?
$4,300credit cards
per cardholder
$124Cost of a basket of
supermarket goods
$50,000Childcare and
public education
161%Household debt-
to-income ratio
$130Monthly
transport pass
$428,723Private school
education
$2,000Rent on a 3-bedroom
apartment outside city centre
$36Meal for two,
inexpensive restaurant
$5,000-$15,000Funeral expenses
*Authorised Representative of Financial Services Partners Pty Ltd ABN 15 089 512 587 AFSL 237 590.
This is general information only and does not consider your personal circumstances. It should not be considered tax advice. You should not act on any recommendation without obtaining
professional financial advice specific to your circumstances. We recommend you speak to a financial adviser before acting on any of the information you read on this website.

2. *Authorised Representative of Millennium3 Financial Services Pty Ltd ABN 61 094 529 987 AFSL 244252
The information provided in this document is general information only and does not constitute personal advice. It has been prepared without taking into account any of your individual objectives,
financial solutions or needs. Before acting on this information you should consider its appropriateness, having regard to your own objectives, financial situation and needs. You should read the
relevant Product Disclosure Statements and seek personal advice from a qualified financial adviser. Millennium3 Financial Services Pty Ltd ABN 61 094 529 987 AFSL 244252. From time to time
we may send you informative updates and details of the range of services we can provide. If you no longer want to receive this information please contact our office to opt out.
WHAT IS YOUR LIFE WORTH?
LIFE IS EXPENSIVE – how would your loved ones manage without your income?
$4,300credit cards
per cardholder
$124Cost of a basket of
supermarket goods
$50,000Childcare and
public education
161%Household debt-
to-income ratio
$130Monthly
transport pass
$428,723Private school
education
$2,000Rent on a 3-bedroom
apartment outside city centre
$36Meal for two,
inexpensive restaurant
$5,000-$15,000Funeral expenses

3. WHAT IS YOUR LIFE WORTH?
LIFE IS EXPENSIVE – how would your loved ones manage without your income?
$4,300credit cards
per cardholder
$124Cost of a basket of
supermarket goods
$50,000Childcare and
public education
161%Household debt-
to-income ratio
$130Monthly
transport pass
$428,723Private school
education
$2,000Rent on a 3-bedroom
apartment outside city centre
$36Meal for two,
inexpensive restaurant
$5,000-$15,000Funeral expenses
*Authorised Representative of RI Advice Group Pty Limited ABN 23 001 774 125, AFSL 238429.
This is general information only and does not consider your personal circumstances. It should not be considered tax advice. You should not act on any recommendation without obtaining
professional financial advice specific to your circumstances. We recommend you speak to a financial adviser before acting on any of the information you read on this website.