YourDigits for Immigrants and Expats

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Heading: You Moved Countries. Your Money Situation Didn't Come With a Manual.

Subheading: Budgeting advice assumes you grew up in this system. Super, 401k, ISA, multi-currency spending. YourDigits is built for real life, not the default.

Pain Points

1. The Financial System Here Is Not the One You Learned

Super contributions, tax offsets, Medicare levy, franking credits. Or 401k matching, HSA limits, state tax brackets. Nobody gave you a glossary when you landed. So you do the best you can, which sometimes means ignoring the parts you don't understand yet. And the parts you ignore are often the ones quietly costing you.

If you're in Australia and haven't consolidated your super accounts from previous employers, you might have two or three funds running in parallel, each charging their own fees and insurance premiums. The ATO estimates there's $18.9 billion in lost or unclaimed super sitting across 7.3 million accounts. Some of that is probably yours.

2. You Might Still Have Money in Your Home Country

A bank account you didn't close. A super or pension fund from before you left. A family member managing something on your behalf. Your finances are split across two systems, two currencies, and possibly two different approaches to retirement. Generic budgeting tools don't account for any of that. They assume one country, one currency, one set of accounts.

3. Multi-Currency Life Is Genuinely Complicated

You send money home. You buy things online in a different currency. You might earn in one currency and spend in another. Converting everything manually every time you want to look at your finances is tedious enough that most people stop. And if you stop tracking, the leaks stay invisible.

Solution

Heading: A System Built for Where You Actually Live

  • Log expenses in any currency with voice, just say what you spent and the app handles the conversion.
  • The Leak Ladder works regardless of which country you're in. The 9 leaks are universal, and the app detects which ones apply to your region.
  • AU region: the Super Not Tracked leak surfaces if you haven't logged your super accounts, so you can see exactly what you have and where it all sits.
  • US region: the Missing Employer Match leak catches free retirement money you might be leaving on the table if you haven't hit your contribution threshold.
  • One audit, 11 questions, and you get a health score from 0 to 100 with a clear picture of where you stand in the system you're actually in.

CTA

Heading: Find Out Where You Stand in the System You're In Now

Body: Take the Know Your Digits quiz. It asks about your actual situation, including which region you're in and how your retirement accounts are set up. You'll get a health score and a list of the leaks that apply to you, in order of priority.

Button: Take the Know Your Digits Quiz → /tools/know-your-digits

Or start with the blog if you want to read more first.

Common leaks for immigrants and expats

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YourDigits for Immigrants and Expats | YourDigits