Where credit begins
Bank lending can create deposits. That does not mean lending is unlimited: risk, funding, capital and regulatory constraints matter. RBA: what is money?
THE ATLAS / MONEY
Follow the money.
Choose an everyday transaction and trace the institutions it connects. Each arrow explains a flow; no arbitrary percentages or amounts are implied.
Follow a pathway, not a percentage. Arrows show possible directions of payment, not amounts or shares. Wage tax is commonly withheld and remitted by the employer. Super is a separate contribution pathway.
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One person, many roles
A worker can also be a consumer, taxpayer, saver, borrower and indirect investor. The roles are lenses on possible relationships.
Super connects to capital
Open “Contribute to super” to trace the portfolio into shares, bonds, property and infrastructure. Investment structures and member rights differ. Read the official guide.
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