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Terry Waugh is a solicitor, mortgage broker and tax adviser.
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In this episode we welcome special guest Nick Block, founder and financial advisor at ID Advice, one of Australia’s very few hourly-only advice firms.

Nick breaks down the mechanics and myths of debt recycling, explores tax-efficient investment choices, and uncovers the pitfalls of trust structures, pooled super funds, and investment bonds.

Whether you're building wealth, planning for your children’s financial future, or curious about superannuation strategies, this episode is packed with practical, no-fluff insights you can apply immediately.

In this episode we discuss:

00:38 – About Nick Block and ID Advice

01:26 – What debt recycling is and how it works

02:27 – Choosing between high-yield and low-yield ETFs

03:59 – Interest-only vs principal-and-interest loans

04:45 – When an investment becomes positively geared

05:27 – Harvesting capital gains as part of a recycling strategy

06:36 – The tax implications that must be considered

07:08 – Using superannuation alongside debt recycling

08:14 – Why trusts often don’t work for debt recycling

09:18 – Issues with pooled super funds and capital gains

12:10 – When an SMSF is appropriate

13:46 – Property inside super

15:48 – A strategy for dollar-cost-averaging debt recycling

21:43 – Investing for children and avoiding minor-tax traps

28:12 – Investment bonds and their real tax treatment

34:29 – Bucket companies and retained earnings

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