Welcome to Income Master! Our mission is to help Australians with their finances so they can build wealth, create passive income and even retire early.

We provide regular articles on techniques that you can use to get that bank account of yours to grow. We also look at all of the useful tools, apps and websites that are available that can make complicated tasks a breeze.

Another big aspect that we look at is passive income as it is a powerful wealth accumulation method. We have noticed that schools don’t teach children enough about finances so we also want to help the upcoming generation so they are on the right track.

So we hope you enjoy your stay here and join in on the discussion with fellow Australians that are wanting to live stress-free from debt, enjoy life and retire early.


Latest Finance Articles

BT Super Invest Launched

The BT Financial Group have released a new Superannuation product for Westpac customers (to be available later for everyone else) today. BT Super Invest is aimed at people that want more control of their superannuation, but don’t want to deal with the hassle of the compliance and administration work that comes along with operating an SMSF account.

I have already created my account and have been playing around with both the BT android mobile app and the desktop website. The interface is very modern and clean compared to other offerings available and incredibly simple to navigate and use.

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Ellen DeGeneres talks Bitcoin

Bitcoin and other cryptocurrencies are gaining more mainstream publicity by the week. Ellen DeGeneres talked about Bitcoin in a recent episode of her very popular talk show.

“The digital wallet can either be apps on your phone or tiny hard drives – which is a really good idea because who wouldn’t feel safe with their life savings on a piece of plastic that could go into the washing machine,” she commented.

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Stock Market Corrections

The stock markets have seen big corrections over the past week with the Dow Jones and S&P being hit multiple times. During these corrections or even a full-blown crash, it’s important to not act on emotions and think logically. The decisions that you make can change the total figure of your portfolio come retirement vastly.

This article is from Tony Robbins’s monthly “Power Report,” which provides advice and tips about money, investing, and personal finance.

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Diversify across stocks and bonds

We will go through the numbers of how your investment portfolio would look over the period 1926 to 2016 with various ratios across stocks and bonds. This will show the importance of having a diversified portfolio to minimise risk.

Different ratios will suit different people depending on many factors such as age, risk appetite and what your goals for retirement are.

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Robinhood Crypto

The popular commission-free trading app, Robinhood, is now getting involved in the cryptocurrency space. At the time of writing this article, they have received 698,002 users register for an early access account.


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10 Australian Finance Podcasts

On the hunt for podcasts about money, buying and investing in property, shares and much more in Australia? We have put together a list of 10 popular money-related podcasts that are based in Australia.

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Why you should buy dividend paying stocks

We have talked about passive income before and receiving dividends from your stocks and ETFs is a great way to generate some on a regular frequency. They are also a useful tool in building your stock portfolio as you can use the funds to purchase more shares.

Before making a purchase on some new units of stock, it’s good to look into what the dividend history and yield is.

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Top 5 gainers on the ASX200 8th to 15th January

Here are the top 5 gainers on the ASX200 across the period January 8th to January 15th.

  • (BPT) Beach Energy – 8.5%
  • (S32) SOUTH32 – 7.6%
  • (JBH) JB Hi-Fi – 7.4%
  • (BHP) BHP Billiton – 5.1%
  • (PTM) Platinum Asset Management – 5.0%

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A really cool investment portfolio website

I only came across Simply Wall St recently but have fallen in love with it. You can enter in all of the stocks that you hold and it will provide you with a really clean interface full of graphs, statistics, suggestions and much more.

It’s really easy to play around with the site for hours!


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Income Master aims to help Australians build wealth and generate passive income so they can enjoy life and retire early. All information provided on this website is general in nature. You should always seek an accredited financial adviser before making any investment decisions.

Not many people want to work until they are 65 years old unless they have a job that they love going to each and every day. By getting your personal finances optimised, you can retire early and enjoy life. One of the best ways to improve your personal net-worth is to generate passive income streams. You can make money while you sleep with these useful tools.

The more income streams you have coming in, the quicker your bank account grows!

It’s also not just about how much money you earn, what is more important is what you do with that money. There are plenty of people that are on $100k per year that are living week to week and have credit cards loaded to the limit.

Make the money work for you, not the other way around. Picture those dollars as little soldiers and you are the leader directing them on how to win the battle.

In the current Internet age that we live in, there are more ways and methods than ever to create passive income. It’s insanely easy to connect with people from all over the world, making it simpler to scale businesses and increase your audience.

We will also cover other areas of finance and wealth accumulation like tax minimisation (all legal; don’t try to cheat the Tax Man), make the most out of your Superannuation account, useful budgeting and finance apps.

Feel free to join the discussion with other people that are inspired to master their income in the comments sections of the articles. Share tips that have helped you get out of debt, earn more money and relieve financial stress.


We can be reached out to via email or our social media profiles down at the bottom of this page. We love hearing from people that are interested in reaching financial independence and any tips that you might have that can provide a solution to others.