Épisodes

  • Ep 431: How much life insurance do you need: And when to cut it

    Ep 431: How much life insurance do you need: And when to cut it
    Oct 20 2026

    Read Full Blog Here

    Have full cover while you’re young and it’s cheap, then cut it back as your assets grow. Income protection matters most, trauma the least.

    In this episode I explain how we calculate life, TPD and income protection cover, and why the final step is weighing the premium against what that money could earn if you invested it instead. I also cover:

    • Why we always use stepped premiums rather than level premiums
    • Why life and TPD belong inside super and income protection outside it
    • Choosing waiting periods and policy definitions for income protection
    • When to review your cover, and why yearly reviews can lull you into keeping too much

    The insurance calculator worksheet is free to download from the new resource site at investopoly.com.au.

    00:00 Introduction and the new Investopoly resource site
    03:57 Insurance as a necessary evil
    04:58 Why most advice recommends too much cover
    05:55 The four types: life, TPD, income protection and trauma
    08:36 TPD insurance: own occupation vs any occupation
    10:22 The tension between paying for cover and investing
    11:19 Cutting cover back as your asset base grows
    13:34 How your insurance needs change across life stages
    15:21 Stepped vs level premiums
    18:21 How to calculate life and TPD cover
    20:42 Weighing affordability against cost
    22:33 How much income protection you need
    23:26 How premiums and benefits are taxed
    25:33 Where to hold life and TPD cover
    26:50 Income protection waiting periods
    27:55 Policy quality and the three-tier definition
    29:01 Why thorough underwriting is worth the hassle
    30:06 Trauma insurance: the most optional cover
    32:24 When to review your insurance
    34:34 Next week: bonds

    Related episodes:

    • How much you need to retire (October 2026). Referenced at 00:18, and the cut-back-as-assets-grow argument relies on the same are-you-on-track thinking.
    • The super report episode (July 2026). Related because it covers choosing a super fund, and this episode covers which funds have competitively priced life and TPD cover inside super.

    Read Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654X

    Run your own business?

    Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/

    Our most popular free guides:

    Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

    Download them here

    Got a question for the podcast?

    Email us at questions@investopoly.com.au

    Subscribe to my weekly blog:

    Stay connected here

    Important

    This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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    36 min
  • Q&A - ETF portfolio construction at 28: is 8.4% too low?

    Q&A - ETF portfolio construction at 28: is 8.4% too low?
    Oct 19 2026
    An 8.4% return isn’t the problem; what drove it is. I’d struggle to justify active funds and a 0.76% fee over a diversified ETF.In this listener Q&A, I explain how to judge short-term returns, why active fund outperformance rarely lasts, and why Jack probably doesn’t need to pay an adviser to run around $420,000 across super and his trust. I’d keep his family trust and gradually move his direct shares across when the price suits. I’d also keep his property as an investment under the six-year rule and switch the loan to interest-only. Max asks if he can wind down at 44 with about $5.4 million invested. Spending around $180,000 a year is roughly 3.3% of that, so the bigger job is putting his cash to work. Tom is retiring in his early 60s with property inside and outside his SMSF. I’d lean towards keeping the SMSF property for the pension phase, selling one or two personal properties, and investing for growth rather than income. Josh asks whether a family trust still makes sense after the budget and how fast to deploy $450,000 of borrowing capacity. My answer is still the trust, with a bucket company added later, and a steady monthly amount that steps up if markets fall.00:35 Jack: Is 8.4% too low for a 28-year-old? 02:43 Why active fund outperformance rarely persists 03:38 What drove the return matters more than the number 07:52 Why value-aware portfolios can lag early on 08:50 Wrap platforms, EX20 and Australian shares at 28 10:05 Do you need an adviser for $420,000? 11:40 Shares in your own name and keeping the family trust 12:59 Rent or buy? Using the six-year rule 15:02 Switching the investment loan to interest-only 15:34 Max: winding down at 44 with $5.4 million 16:53 The missing number: how much you spend 17:27 Earning 6.5% after tax, and trimming gold 17:47 Putting $900,000 of cash to work 19:10 Tom: moving from work into retirement 20:47 Get as much as you can into super 21:29 Why property needs a flexible exit plan 22:27 Keeping SMSF property for pension phase 23:23 Selling one or two properties and investing for growth 24:19 Why I’d be careful with VHY 25:52 Josh: family trust and bucket company after the budget 27:37 The rollover election and the minimum 30% tax 28:18 Lump sum vs drip-feeding $450,000 30:00 Kids’ money: family trust over investment bonds 30:57 Coming up: how much insurance you needRelated episodes: Ep 430: Is financial advice worth it? What rules can’t fix. https://investopoly.buzzsprout.com/2005600/episodes/19923707-ep-430-is-financial-advice-worth-it-what-rules-can-t-fixEp 427: How to assess whether property and share markets are attractively priced https://investopoly.buzzsprout.com/2005600/episodes/19832497-ep-427-how-to-assess-whether-property-and-share-markets-are-attractively-pricedQ&A - Untangling a messy structure, cutting losses, and low-income investing https://investopoly.buzzsprout.com/2005600/episodes/19720854-q-a-untangling-a-messy-structure-cutting-losses-and-low-income-investingEp 429: How much do you need to retire & are you on track? Work it out here. https://investopoly.buzzsprout.com/2005600/episodes/19893951-ep-429-how-much-do-you-need-to-retire-are-you-on-track-work-it-out-hereQ&A - Deploying an inheritance, selling an average property, and funding a long retirement https://investopoly.buzzsprout.com/2005600/episodes/19832494-q-a-deploying-an-inheritance-selling-an-average-property-and-funding-a-long-retirementEp 403: Lump sum share market investing: risky or rational https://investopoly.buzzsprout.com/2005600/episodes/18951456-ep-403-lump-sum-share-market-investing-risky-or-rationalEp 425: Family trust investing: Are trusts still worth it under proposed tax changes? https://investopoly.buzzsprout.com/2005600/episodes/19764156-ep-425-family-trust-investing-are-trusts-still-worth-it-under-proposed-tax-changesRead Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654XRun your own business? Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/Our most popular free guides:Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.Download them hereGot a question for the podcast?Email us at questions@investopoly.com.auSubscribe to my weekly blog:Stay connected hereImportantThis podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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    33 min
  • Ep 430: Is financial advice worth it? What rules can't fix.

    Ep 430: Is financial advice worth it? What rules can't fix.
    Oct 13 2026

    Read Full Blog Here

    Russell says advice adds 5.5% a year and Vanguard says 3%. A disciplined, rules-based approach captures much of that, but not all of it. I think these reports overstate things by assuming that without an adviser you'll panic, chase returns and keep changing strategy. In this episode I split the mistakes the reports cite into two groups: the ones a rules-based framework prevents, like concentrated portfolios, cash drag and return chasing, and the ones it can't, like ownership structures, how to allocate surplus cash flow, and super contribution strategy. I also cover why knowing the rules isn't the same as following them, the March 2020 test of your own discipline, and the portfolio size at which advice pays for itself.

    00:00 The "advisor fee: $0" bill that prompted this episode
    00:55 Revisiting episode 319 and the Russell and Vanguard reports
    01:51 Why I'm sceptical of these estimates
    02:31 What if you already follow a rules-based framework?
    03:23 Breaking down Russell's 5.5%
    04:53 Vanguard's Adviser's Alpha framework
    06:07 The wealth equation and where mistakes cost real money
    07:25 Separating the mistakes rules can and can't prevent
    07:46 Portfolio design mistakes a rules-based approach fixes
    10:20 Complexity and knowledge gaps rules can't fix
    12:34 When the numbers make advice worthwhile
    13:18 Why knowing what to do isn't enough
    16:15 The best days in the market and why indexing works
    17:48 The acid test: what did you do in March and April 2020?
    20:19 Economies of scale: when advice pays for itself
    22:12 Choosing an adviser as a decision that moves the dial
    22:59 Using someone you trust as a sounding board
    23:52 Summing up
    25:26 Next week: how much insurance you actually need

    Related episodes:

    • Episode 319 (2024): my earlier look at the value of financial advice, focused on portfolio size and complexity. Referenced at 00:55 and again at 20:19.
    • Episode 414: the handful of life decisions that really move the dial. Referenced at 22:12.

    Read Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654X

    Run your own business?

    Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/

    Our most popular free guides:

    Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

    Download them here

    Got a question for the podcast?

    Email us at questions@investopoly.com.au

    Subscribe to my weekly blog:

    Stay connected here

    Important

    This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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    27 min
  • Q&A - Debt recycling when you sell your home: keep the deduction

    Q&A - Debt recycling when you sell your home: keep the deduction
    Oct 12 2026
    Selling your home needn’t undo debt recycling. I’d substitute the security with a term deposit or your next home to keep it deductible.In this listener Q&A I walk Dave through substitution of security and simultaneous settlements, and explain why I’d pay a little more for a flexible lender. I then answer Marcus on whether to offset an investment loan or use a high-interest savings account. On the top marginal rate the offset usually wins, unless a low-income spouse changes the maths. I also cover why I wouldn’t pay investment debt down to zero. For Michael, I explain why you shouldn’t keep an average property just for the negative gearing, and how much leverage a 30-year-old actually needs. Dominic asks about moving assets out of a family trust ahead of the proposed 30% minimum tax, and my answer is still to do nothing yet. Nathan asks who benefits from quarantined negative gearing, and what the UK’s experience tells us about housing affordability.00:00 Nathan: who benefits from quarantined negative gearing? 01:19 Vested interests: new builds, commercial and offshore buyer’s agents 03:00 Why commercial property yields don’t stack up 04:34 Lessons from the UK’s property tax changes 08:32 Tax settings only move affordability at the margin 09:30 Dominic: moving assets out of a family trust 10:01 Two minimum 30% taxes, and why to do nothing yet 11:05 CGT rollover relief and the stamp duty problem 11:53 Will the trust tax be rescinded before the 2028 election? 13:49 What common-sense tax reform would look like 15:13 Business as usual for your discretionary trust 15:35 Michael: should I sell an average investment property? 18:00 Don’t hold an asset just for negative gearing 18:40 Property vs shares: the power of leverage 21:19 Never a bad time to sell a bad asset 23:07 Dave: debt recycling when you sell your home 24:21 Substitution of security using a term deposit 25:54 Simultaneous settlement from old home to new 26:27 If the bank repays your loan by mistake 27:16 Why lender flexibility beats a lower rate 29:01 Revaluations and using lenders in the right order 30:24 Marcus: offset an investment loan or use a savings account? 31:16 Comparing before-tax and after-tax interest rates 32:39 When a non-working spouse changes the answer 34:14 Why not to pay investment debt down to zero 35:47 Coming up: do you really need a financial adviser?Related episodes: Q&A: Upgrade or rentvest, home equity loans, and going non-resident https://investopoly.buzzsprout.com/2005600/episodes/19862011-q-a-upgrade-or-rentvest-home-equity-loans-and-going-non-residentQ&A - Choosing a pension account, topping up in retirement, and offset versus debt recycling https://investopoly.buzzsprout.com/2005600/episodes/19803896-q-a-choosing-a-pension-account-topping-up-in-retirement-and-offset-versus-debt-recyclingQ&A - Deploying an inheritance, selling an average property, and funding a long retirement https://investopoly.buzzsprout.com/2005600/episodes/19832494-q-a-deploying-an-inheritance-selling-an-average-property-and-funding-a-long-retirementQ&A - Sequence of returns risk retiring early: bridging to super https://investopoly.buzzsprout.com/2005600/episodes/19885744-q-a-sequence-of-returns-risk-retiring-early-bridging-to-superEp 425: Family trust investing: Are trusts still worth it under proposed tax changes? https://investopoly.buzzsprout.com/2005600/episodes/19764156-ep-425-family-trust-investing-are-trusts-still-worth-it-under-proposed-tax-changesWhy common-sense tax reform is vital to Australia’s future https://investopoly.buzzsprout.com/2005600/14044773Optional: Ep 426: The do not invest list: why good investors say no https://investopoly.buzzsprout.com/2005600/episodes/19748907-ep-426-the-do-not-invest-list-why-good-investors-say-noEp 423: Negative gearing deferred - here's how to manage the cash flow gap https://investopoly.buzzsprout.com/2005600/episodes/19680010-ep-423-negative-gearing-deferred-heres-how-to-manage-the-cash-flow-gapRead Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654XRun your own business? Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/Our most popular free guides:Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.Download them hereGot a question for the podcast?Email us at questions@investopoly.com.auSubscribe to my weekly blog:Stay connected hereImportantThis podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your ...
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    37 min
  • Ep 429: How much do you need to retire & are you on track? Work it out here.

    Ep 429: How much do you need to retire & are you on track? Work it out here.
    Oct 6 2026

    Read Full Blog Here

    To spend $120k a year from age 60, you need about $3m to never touch your capital, or $2.1m if you plan to run it down to zero by 90. Most super calculators can't tell you whether you're on track, because they ignore investments held outside super, especially geared property, and they don't handle retiring before 60. In this episode, I walk through a set of tables you can use to add up your super, ETFs, and investment property and see where you'll land. I also cover how to choose between a perpetual and a depleting portfolio, why $1 contributed to super grows to nearly $47 compared with $21 outside it, and what to do if you're well behind or well ahead of your target. The tables and worked examples are on the blog, linked above.

    00:00 Introduction and podcast ratings update
    02:58 Why super calculators don't tell you if you're on track
    04:12 The numbers: $2.1m depleting vs $3m perpetual
    06:28 The early retirement problem: accessing super before 60
    07:45 The wealth equation and why time matters most
    08:07 Perpetual vs depleting portfolio: which to choose
    11:31 Return assumptions and sequencing risk
    12:30 Why life expectancy favours a perpetual portfolio
    14:16 Modelling assumptions: returns, inflation and tax
    17:14 Selling assets at retirement and the cost base assumption
    19:30 How to use the tables
    22:06 Investing inside vs outside super: $47 vs $21
    23:07 Table 7: retiring before 60
    24:58 Worked example: couple aged 40 with super and ETFs
    26:04 Worked example: geared property investors aged 35
    28:33 Table 8: spending more than $120,000 a year
    29:49 What to do if you're materially behind target
    32:19 What to do if you're materially ahead of target
    33:57 Caveats and limitations of the modelling

    Related episodes:

    • Episode 402 (March 2026): on spending more today, or in the healthy years of retirement, once you're well on track. Stuart references this episode directly at 32:19.
    • The super report episode (July 2026): on choosing the right super fund. Stuart references this at 25:46.

    Read Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654X

    Run your own business?

    Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/

    Our most popular free guides:

    Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

    Download them here

    Got a question for the podcast?

    Email us at questions@investopoly.com.au

    Subscribe to my weekly blog:

    Stay connected here

    Important

    This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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    38 min
  • Q&A- Sequence of returns risk retiring early: bridging to super

    Q&A- Sequence of returns risk retiring early: bridging to super
    Oct 5 2026
    Sequence-of-returns risk in early retirement is manageable with a big enough cash buffer. What I'd test is how you'll feel spending it.In this listener Q&A, I work through Michael's plan to retire at 52 and use an ETF portfolio plus three years of living expenses in an offset to cover the eight to ten years until he can access super. I also explain why I like locking in an undrawn loan facility before you need it. Then I look at a 33-year-old couple's debt recycling bonus and RSU income into ETFs, and where ownership structure, tax drag, and internally geared ETFs fit in. I cover what the draft 30% minimum tax on discretionary trusts means for passive investment trusts (short answer: do nothing yet). I finish with whether money above $250,000 in an offset account is at risk.00:00 Michael's question: retiring at 52, before super access 02:39 Do the numbers stack up? 03:15 Building a valuation-aware ETF portfolio 04:43 The behavioural test: spending your cash buffer in a downturn 06:15 Should Michael gear any further? 07:58 Locking in borrowing capacity: borrow when you don't need it 11:47 Listener two: debt recycling RSUs and bonuses into ETFs 12:54 Why RSUs matter for blue-chip property demand 15:59 Spouse super contributions, and a tax policy idea 18:20 Super contribution splitting 19:42 Ownership structure for a debt-recycled portfolio 23:03 ETF distributions and tax drag 24:24 Is a non-trading investment company worth it? 25:21 Internally geared ETFs: GHHF and GBGL 27:14 Justin's question: the proposed 30% minimum tax on trusts 28:26 Problems with the draft legislation 30:09 Options: gearing, CGT rollover, fixed elections 31:09 Why to wait: 1 July 2028 start and an election first 32:25 Craig's question: offsets above the $250,000 guarantee 34:15 Checking whether your lender is an ADI 34:31 Coming up: are you on track if your wealth is outside super?Related episodes: Ep 427: How to assess whether property and share markets are attractively priced https://investopoly.buzzsprout.com/2005600/episodes/19832497-ep-427-how-to-assess-whether-property-and-share-markets-are-attractively-pricedEp 425: Family trust investing: Are trusts still worth it under proposed tax changes? https://investopoly.buzzsprout.com/2005600/episodes/19764156-ep-425-family-trust-investing-are-trusts-still-worth-it-under-proposed-tax-changesQ&A - Cash-heavy at 48, bridging to early retirement, and debt-free at 31 https://investopoly.buzzsprout.com/2005600/episodes/19753485-q-a-cash-heavy-at-48-bridging-to-early-retirement-and-debt-free-at-31Optional: Q&A - Untangling a messy structure, cutting losses, and low-income investing https://investopoly.buzzsprout.com/2005600/episodes/19720854-q-a-untangling-a-messy-structure-cutting-losses-and-low-income-investingRead Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654XRun your own business? Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/Our most popular free guides:Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.Download them hereGot a question for the podcast?Email us at questions@investopoly.com.auSubscribe to my weekly blog:Stay connected hereImportantThis podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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    37 min
  • Ep 428: Why interest rates may need to stay higher for longer

    Ep 428: Why interest rates may need to stay higher for longer
    Sep 29 2026

    Read Full Blog Here

    Back in 2023, Stuart argued that inflation and rates could stay higher for longer than most expected, drawing on 50 years of history showing that once inflation tops 8%, it typically takes a decade or more to settle. That call has aged well: after cutting through 2025, the RBA has already hiked three times in 2026, and underlying inflation has climbed back to 3.6% in a second wave the Bank's own models failed to anticipate.

    But revisiting the research has sharpened his thinking. Stuart walks through three forces keeping inflation elevated: a less aggressive RBA, government spending, and the AI data-centre boom competing for the same workers and materials, while weighing newer studies suggesting credible inflation targets may tame it faster than the grim 11-year median implies.

    His most important point has had too little attention: rate rises may simply bite less than they did 20 years ago. An ageing population, older households holding savings rather than debt, and mortgage offset balances up 49% since 2022 all mean a growing share of spending comes from people barely touched by higher rates. The uncomfortable corollary: cuts may not revive spending either. If your strategy relies on rate cuts, stress-test it.

    Read Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654X

    Run your own business?

    Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/

    Our most popular free guides:

    Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

    Download them here

    Got a question for the podcast?

    Email us at questions@investopoly.com.au

    Subscribe to my weekly blog:

    Stay connected here

    Important

    This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
    Afficher plus Afficher moins
    29 min
  • Q&A: Upgrade or rentvest, home equity loans, and going non-resident

    Q&A: Upgrade or rentvest, home equity loans, and going non-resident
    Sep 28 2026

    Four listeners think several moves ahead. Silvia, who arrived in Australia in 2025 with a high income but low super, lays out a detailed plan: switch to variable with an offset, interest-only to preserve deductibility, build a buffer while catching up on super, and asks the deeper question: does stretching for a $1.6M blue-chip upgrade in her 40s make the household too single-point sensitive, or is superior asset quality worth the serviceability risk? And if they move abroad in seven years, is one high-quality asset or two average ones the smarter play?

    Shadi, relocating to Sydney for family support, weighs selling his renovated Melbourne PPOR into a soft market versus keeping it as a now-grandfathered negatively geared rental and rentvesting, complicated by cross-collateralisation with a Kew unit. David asks a clean execution question: how to structure a fresh $100–200k equity release into ETFs alongside existing debt-recycled holdings.

    Finally, Adrienne, heading to Dubai for two to three years, wants to confirm how non-residency affects the six-year rule on her home and the tax treatment of her Melbourne investment apartment.

    Structure, sequencing, and post-Budget nuance throughout, with the usual reminder that these are general discussions, not personal advice.

    Read Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654X

    Run your own business?

    Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/

    Our most popular free guides:

    Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

    Download them here

    Got a question for the podcast?

    Email us at questions@investopoly.com.au

    Subscribe to my weekly blog:

    Stay connected here

    Important

    This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.
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    36 min