Back from Greece (Kieran) and Colombia (Josh), we map out a clear 12-month plan for men rebuilding after separation or a financial hit. Today’s four pillars: housing & living decisions, debt strategy beyond triage, building a safety buffer, and rebooting superannuation. It’s practical, direct, and designed for real life — no fluff.

What you’ll learn

• How to choose short-term living arrangements (house share, granny flat, family stay) to cut costs while you stabilise.

• Debt tactics that actually stick: avalanche vs snowball, when consolidation helps, and where to aim windfalls.

• A simple path to a starter emergency fund so you stop leaning on credit.

• A superannuation reboot: check beneficiaries (binding vs non-binding), find/consolidate lost super in myGov, understand carry-forward concessional contributions, and when hardship access might apply.

• Mindset cues for 12 months of compliance: automate savings, avoid weak-spots, buy for utility.