It's been a big week for Australians thinking about their financial future.Millions of workers are getting a pay rise, the housing market is showing signs of a shift, and new research suggests many people believe they'll need more than $1 million to retire comfortably.Meanwhile, investors are weighing up what could become the biggest sharemarket listing in history.Around three million Australians are set to receive a wage increase after the Fair Work Commission handed down its annual wage review on Tuesday For many households, the decision provides some welcome relief after years of rising living costs but they still don’t make up for the fall in real wages since the pandemic despite the increase being above the current rate of inflation at 4.2 per cent.Australia's housing market is increasingly becoming a tale of two markets