Clare Elliott learned the importance of tracking her superannuation the hard way.
She was just 16 years old when she started working in retail and, now, a decade later, she believes her former employer was not paying her enough nor making the required compulsory super payments to her fund.
At the time, she says, she was earning $16 dollars an hour, which "seemed like a lot of money", so she accepted being paid cash without pay slips.