From ScratchA Friend's Guide to Getting Ahead in AustraliaDr KH Asadul

Coming soon: November 2026

From Scratch

A Friend's Guide to Getting Ahead in Australia

The same material as this site, in book form, written for the reader who got tired of being quietly confused about money and started checking things properly instead of guessing.

How the book and this website fit together

The book is the long, in-order read. This website is the working toolkit that goes with it: the calculators let you put your own numbers into the ideas the book explains, and the guides are kept in step with it. Wherever the book points you to a calculator or a deeper article, you will find it here.

If you are holding the book, the quickest way back to this page is groundupmoney.com/book.

Companion topics on this site

  • Cashflow & Debt Management
  • The Property Ladder
  • Wealth Creation & Investing
  • Superannuation & Retirement
  • Property Assessments
  • Protecting Wealth (Utilities & Insurance)
  • Mind, Trust & Global Assets

Browse the full Content Hub, or open the FinFlow app to model your own budget and 25-year projection.

About the author

Dr KH Asadul arrived in Australia in March 2009 and could not make sense of his own payslip. This book and this site are what came out of working it all out. Read more.

The book and website provide general information only and are not personal financial advice. See the financial disclaimer.