In this episode, Troy explains how the July 2026 superannuation law changes could cause you to accidentally breach your concessional contributions cap and trigger a surprise tax bill. He breaks down the mechanics of the Payday Super Trap, why 15 months of contributions can fall into a single financial year, and how this impacts high earners and professionals with multiple employers.Troy also covers the strategies that actually exist, from adjusting salary sacrifice before the transition, to using the carry‑forward rule, monitoring contributions in real time, and leveraging the visibility an SMSF provides. By the end, you’ll know exactly what conversations to have with your advisor, and what steps to take, to protect your retirement savings from this hidden trap.Ready to finally take control of your take control of your retirement savings and stop leaving your future in someone else’s hands? Book your free call with our team today to find out more: https://www.bcsmsf.com.au/contact-us/Follow us:Instagram – https://www.instagram.com/bluechipsmsf/Website – https://www.bcsmsf.com.au Please note: The information provided in this recording is for coaching and educational purposes only. It should not be considered personal financial advice. Everyone’s situation is different, so before acting on any of the content discussed, please seek independent financial advice tailored to your specific circumstances.Timestamps: 00:00:00 - Introduction00:00:11 - Understanding the Changes in Superannuation Laws00:00:31 - What is Payday Super?00:01:14 - The Concessional Contributions Cap Explained00:02:27 - How the Payday Super Trap Works00:03:50 - Who is Affected by the Trap?00:04:33 - Strategies to Navigate the Trap00:05:57 - Advantages of Having an SMSF

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