Happy new financial year! If you didn’t know, July 1 signals many changes. From tax cuts, to new laws tightening vaping restrictions, and even changes to the paid parental leave scheme, there’s bound to be a change affecting you. So, what’s in and what’s out? And maybe more importantly, is there any relief for us during a cost of living crisis? THE END BITS  Subscribe to Mamamia Get $20 off for our birthday. Click here to get a yearly Mamamia subscription for just $49. GET IN TOUCH Share your story, feedback, or dilemma! Send us a voice note or email us at [email protected] and one of our Podcast Producers will come back to you ASAP. CONTACT US Got a topic you'd like us to cover? Send us an email at [email protected] CREDITS Host: Claire Murphy  With thanks to: Richard Holden, the Director, Economics of Education Knowledge Hub at University of New South Wales Business   Producers: Claire Murphy  Senior Producer: Taylah StranoAudio Producer: Thom Lion  Become a Mamamia subscriber: https://www.mamamia.com.au/subscribe See omnystudio.com/listener for privacy information.