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For the record - I dont listen to my own advice. I'm currently planning building a bass guitar, so far ive bought: - Bandsaw & new blade $150 (massively on sale) - Router and router bits $150 & $140 = $290 - Saw Rasps & Planes - $40 x 3 = $120 - Bass Hardware & Electronics - $1000 - Timber...

I don't know enough about the specific car to know, but would suggest after maintenance and rego - holding value doesnt make it an investment when in your offset account it's probably saving you 4% per year minimum (and more when rates return to more traditional levels). As I say, if you can...

A depreciating asset is not an investment. But if you don't have many toys, and can afford it, then spoil yourself imo

Refer to the below table - if you earned 50k this year, assuming no deductions, then total tax will be $3,572 + 32.5cents*(50,000-37,000) = $3,572 + 0.325 * 13,000 = $7,797 Effective tax rate of 15.5% Your refund will equal tax paid for the year, less the $7,797 (and then theres some stuff...