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Five listeners at very different life stages, each wrestling with where to direct capital next. Perth couple "Amelia and Ivan," with two investment properties and a baby on the way, weigh three distinct strategies: hold and sell later to fund a renovation, swap a townhouse for a better-taxed property, or add a third and keep them all. Stuart works through the trade-offs and what a year or two off work really means for the plan.

A 26-year-old in Sydney real estate asks how to play the long game: buy a first home to live in and later upsize, or turn it into a rental? A 40-year-old in Ocean Reef with a healthy offset balance wonders whether an investment property makes sense now, whether to deploy cash or super first, and whether a trust is premature. And "Gus, the country copper," living rent-free with strong super, debates whether to keep funnelling surplus into shares via his trust or gear into another property purely for leverage.

Plus a genuinely useful technical question on inflation: how to treat it in wealth modelling, and whether to convert future assets back into today's dollars to track real progress.

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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.

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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.