People, not abstractions
Personas
Eleven Australians across the income, age and life-stage spectrum. Each one walks through specific scenarios with explicit links back to the budget document that defines the policy mechanic at work — not interpretations, not opinions.
Net positiveMark
· 32Chef on $75,000 — centre-of-bracket worker, pure WATO/instant-deduction beneficiary
Net positiveClaire & Hugh
· 36OT + teacher on $90k each — Treasury's 'average working couple' cameo
Net positivePriya
· 29Marketing manager renting in Sydney, saving for her first home
Net positiveThe Nguyens
· 33Teacher + developer, two kids under 5, suburban Sydney mortgage
Net positiveSam
· 41Self-employed electrician weighing up sole-trader vs trust vs company
Mixed impactElena
· 47Hospital administrator with three negatively-geared rentals across the transition window
Mixed impactGreg
· 58Pre-retiree with a large unhedged ASX share portfolio and an SMSF
Net positiveJune
· 71Age Pensioner, owns home — exempt from the 30% capital gains minimum tax
Net positiveTahlia
· 28First Nations remote NT worker on the Remote Jobs Program
Mixed impactDr Henry
· 52Surgeon on $450k with family trust, bucket company, properties and shares
Net positiveMaya
· 24Graduate engineer salary-packaging an EV and dollar-cost-averaging into ETFs