In this Q&A episode, Stuart answers an insightful mix of listener questions that span health, housing, retirement planning, and how to balance life’s big financial decisions. He begins with “Lucky,” a high-income medical professional and cancer survivor, who asks whether his health history should influence how much he gears, and whether to upgrade his Melbourne home, buy in Sydney near family, or stick with investing in ETFs and super. Stuart unpacks each option, weighing lifestyle, liquidity, and long-term strategy.

Next, Matt, soon to retire, asks whether using an offset account against his investment property loan is a smart way to manage share market risk in retirement. Stuart shares how to approach this strategy to strike a balance between flexibility and return.

Steve asks where average investors can access affordable, quality property data for DIY analysis. Stuart discusses practical alternatives to high-cost platforms.

Finally, Jordan and his partner share their impressive early success: two investment properties by age 25, but now struggling to balance the desire for future growth with living more in the present. Stuart responds with guidance on timing property moves, managing gearing, and the mindset shift needed to enjoy the benefits of your financial discipline, such as taking that long-awaited holiday. A rich episode for all life stages.

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