Money at the bank or in your super account doesn't just sit in a mattress, they use it to invest in things.
The easiest way to make a measurable difference in your impact on the world is to ensure your money is used for good instead of evil.
Switching where your money lives is also the biggest impact-to-effort ratio that I can think of...
A few minutes of effort to ensure that money not only never sees a fossil fuel project, but helps to grow something positive.
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