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In this wide-ranging Q&A episode, Stuart tackles advanced strategy questions across crypto, capital gains tax, debt recycling, super structuring, and long-term portfolio design.

First, he unpacks the tax realities of holding Bitcoin via an ETF versus direct ownership, including whether using Bitcoin as a future currency actually avoids CGT (spoiler: the tax system doesn’t work that way). He also explores custody risk and what “safest” really means when holding digital assets directly.

The episode then shifts to a couple crystallising a large capital gain and weighing up debt recycling, super contributions, and leveraging through NAB Equity Builder. Stuart breaks down the maths of deductible versus non-deductible debt, Div 293 considerations, and how to balance tax efficiency with flexibility and early financial independence.

He also revisits the six-year rule for CGT on former principal residences, clarifying eligibility, deductibility during exemption periods, valuation strategies, and whether banks need to be notified when occupancy changes.

Finally, for a defined benefit member building wealth outside super, Stuart explores portfolio diversification beyond property and how defined benefit interests interact with the $2 million transfer balance cap.

A technical but practical episode focused on sequencing, structure, and preserving optionality on the path to financial freedom.

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IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.