Your Business Fund — What $90 a Week Builds "I can't afford to start." I've heard it a hundred times. So let's run the numbers on a real hospo wage. $90 a week is $4,680 a year, which is enough to get qualified inside 12 months, even with a top-end course. What a $75,000 Chef Actually Takes Home These use the 2026–27 Australian resident tax rates: 0% up to $18,200, 15% from $18,201 to $45,000, 30% from $45,001 to $135,000, 37% from $135,001 to $190,000 and 45% above that, plus the 2% Medicare levy. - Gross salary: $75,000 a year / $1,442 a week - Income tax: –$13,020 a year / –$250 a week - Medicare levy (2%): –$1,500 a year / –$29 a week - Take-home pay: $60,480 a year / $1,163 a week Super is paid on top at 12% and doesn't come out of your pay. A Realistic Weekly Budget ($1,163) - Rent: $450 — modest one-bedder or a room in a share house (Melbourne prices) - Groceries: $120 — prep on your day off, staff meal on shift - Eating out and coffee: $40 - Utilities: $35 — power, gas, water - Phone and internet: $25 - Car, fuel: $50 - Car, rego: $17 — about $900 a year - Car, insurance: $23 — about $1,200 a year - Car, maintenance: $15 — servicing, tyres - Contents insurance: $5 - Gym membership: $20 - Personal and clothing: $30 — toiletries, haircuts, work gear - Subscriptions: $15 — streaming, music, apps - Social and entertainment: $60 - Emergency fund: $80 — build to three months of expenses - PT business fund: $90 — your way out - Buffer and extra savings: $88 — covers surprises, or tops up the business fund - Total: $1,163 - What $90 a Week Pays For 1. Months 1–8: Cert III and IV in Fitness. Most providers offer payment plans (Chapter 4 has the detail). 2. Month 9: First Aid and CPR, PT insurance and registration. 3. Months 10–12: Starter home gym gear (dumbbells, bands, bench, mat), a basic coaching app, and a simple booking link. Saved at $90 a week: - 1 year: $4,680 - 2 years: $9,360 - 3 years: $14,040 -