Warning for Australians on $150k–$250k Salary Risk Zone

The Risky Salary Zone

An Australian business coach has identified the $150,000 to $250,000 annual income bracket as the most “dangerous” salary range in the country. Workers earning in this bracket, he warned, often fall into a financial trap where they appear wealthy but struggle to build true security.

Why the Range Is “Dangerous”

At first glance, a six-figure salary sounds like success. However, this income level often triggers increased spending due to lifestyle pressure, rising taxes, and social comparison. Many individuals in the range face what financial experts call lifestyle inflation: higher pay leading to higher discretionary expenses — from larger homes to expensive cars or private school tuition.

The business coach explained:

“You’re earning enough to be comfortable, but not enough to be free.”

The Hidden Financial Strain

Those within the $150k–$250k bracket can be heavily taxed, reducing take-home pay. With Australia’s progressive tax system, this group contributes a significant portion of income in taxes, creating a gap between perceived and actual wealth.

Meanwhile, the desire to maintain a certain image often leads to debt accumulation, minimal savings, and limited investment growth. As a result, many individuals with high earnings still live paycheck-to-paycheck.

Building Real Security

Experts advise focusing on long-term wealth strategies instead of lifestyle expansion. Controlled spending, diversified investments, and realistic financial planning can help turn high income into genuine financial independence.

“Wealth isn’t about what you make — it’s about what you keep.”

Author’s Summary: Many Australians earning $150k–$250k face hidden financial risks due to taxes and lifestyle inflation, making sustainable wealth management vital.

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News.com.au News.com.au — 2025-11-26

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