The Strategy Stacker - Luke Talks Money

By Luke Smith

Luke Smith is The Strategy Stacker. He's an experienced financial planner and each Friday afternoon talks about money with Leon Delaney on 2CC Talking Canberra. Luke's down to earth approach breaks do... more

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FAQs about The Strategy Stacker - Luke Talks Money:

How many episodes does The Strategy Stacker - Luke Talks Money have?

The podcast currently has 452 episodes available.

The Strategy Stacker - Luke Talks Money episodes:

October 20, 2025Luke on 2CC – How much life cover do I need in my super?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 17 October 2025. The topic for this week is: How much life cover do I need in my super? It’s a topic many people don’t think about but something you should come back to every year or two. It’s vitally important, and if something untoward was to happen to you. Most people would want their loved ones to be adequately provided for and understand the tax outcomes. Luke is joined by Leon of 2CC to take a deep dive into the issues you should think about when reviewing your life cover.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Does you super fund offer life insurance and do you have it?
Life insurance cover can be held inside of super and also in your own name.
The outcome however is not the same and if you think it is, it’s a wrong assumption!
A good place to start is to think about why you want life cover. What peace of mind and financial benefits should it provide?
Should you have it inside super or outside of super?
What are the benefits of holding life insurance inside super?
Can you hold life insurance in a policy and get your super fund to pay for it?
Are there risks of taking a policy out from the TV?
You need to think about where and to whom the money will be paid. There are very BIG tax issues to consider that most people do not!
Is there a way to structure life cover so your beneficiaries don’t pay tax for non-dependent children?
You need to think about life cover as a living issue, children grow up. When they turn 18 they will be considered non-dependent children and be liable for tax if the policy is held inside super.
Review your cover annually to take into consideration your changing needs and situation.
Do you have the right estate planning document in place, for example, a Testamentary Trust in a Will.
Do you have binding or non-binding death nomination in your super? Has it lapsed?
Good estate planning advice can get you better outcomes than you can achieve by yourself.
Can you have life cover inside your super and outside of your super? Or can you only have one option?
Luke shares his top tips when considering life insurance cover. Seek advice and apply the rules that apply best to your situation.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-17102025F.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help planning your life cover properly?
Reviewing life cover gives families peace of mind that they will have the financial outcomes they need. If you’ve got doubts or questions, make an appointment to meet with Luke as part of your bigger financial planning goals.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
19min
October 13, 2025Luke on 2CC – How do I start a pension from my super?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 10 October 2025. The topic for this week is: How do I start a pension from my super fund? Don’t be confused by the word pension, this has nothing to do with the Centrelink aged pension, it’s about turning your superannuation into a retirement income stream. Luke is joined by Leon of 2CC.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
What do you need to do to access your super? You need to meet a condition of release.
At retirement, you don’t need to cash out your super at retirement
You simply switch hats, from an accumulation hat (money going in) to a pension hat (money coming out)
Did you know once you start a pension from your super, the tax on your money fall from 15% to 0%.
That’s right, earnings on the pension from you super are tax free in retirement.
Equally, you can sell investments in the pension phase and there is on capital gains tax either.
You can start a pension from you super by talking to your super provider to see if they offer a pension from super product – an account-based pension
Yes, there’s paperwork to start a pension from super so you will need to complete some forms
How often would you like your pension paid to you?
Is there a minimum amount of pension income you need to take each year?
If you haven’t fully retired, you can still take some money from your super, it’s called a transition to retirement
Can you use a transition to retirement strategy to pay off the mortgage with tax free money?
What are the benefits of bolstering your super before you retire?
What if you want to take all the money out of your super or pension, can you?
Are transition to retirement pensions tax free too, if you’re not fully retired?
Luke shares his top tips when considering turning your super into a transition to retirement pension or account-based pension.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-10102025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help starting a pension from your super?
Retirement planning can be complex. Most people don’t deal with super and retirement like a financial planner does or understand the strategies available. Use the expertise of a financial planner if you need to. Make an appointment to meet with Luke.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
18min
October 09, 2025Luke on 2CC – How much do I need in super to retire? There’s a better question to ask to help you retire with peace of mind.
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 3 October 2025. The topic for this week is: How much do I need in super to retire? If you’re in your 20’s and 30’s, retirement might seem like a long time off. If you’re in your 40’s, 50’s or 60’s plus, then it’s something you should start thinking about. With more time on your side, you have more superannuation and financial planning strategies available to you. Luke is joined by Leon of 2CC.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Luke begins the podcast by asking listeners to ask the right questions – “How much do I need in super to retire?” isn’t a great question.
Ask “What do I need to generate retirement income?” rather than “How much do I need in super to retire?”
Think more wholistically about the ways you can generate your retirement income.
Superannuation is just one resource. What other resources do you have? Eg, Investment property, business interests?
Is it also time to re-think part-time employment as part of your retirement to earn an extra $25k? It’s often easier solution than saving $500k more into your super.
Everyone wants their super to keep going up with high positive returns, but it’s important to remember there will be periods where this doesn’t happen, given the kinds of assets your superannuation is invested in.
Also think about role of investment properties in retirement, and in particular, how much income it generates.
The best question you can give your financial planner is “This is how much I need to live on in retirement”.
This question allows someone like Luke to work backwards and think about the strategies they can use to help you achieve your desired result.
People seek advice for peace of mind and clarity; they also realise that somethings might need to change between now and retirement to achieve their goals.
When it comes to generating income there are two questions you should ask of your investments – Why have I got it? What’s it doing for me?
There are really important questions for those who have investment properties, you’ve probably made a great capital gain, but how’s the income looking?
Luke shares his top tips to consider when thinking retirement planning.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/10/The-Strategy-Stacker-Luke-Talks-Money-03102025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with retirement strategies to achieve your retirement income needs?
Thinking about retirement planning? The better question is “What income will I need in retirement?”. Make an appointment to meet with Luke to talk about strategies to help achieve your retirement income needs.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
17min
September 29, 2025Luke on 2CC – Is salary sacrifice the only way to get money into super?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 26 September 2025. The topic for this week is: Is salary sacrifice the only way to get money into your super before you retire? No, it’s not, in fact salary sacrifice may seem ‘old school’, even though you can still do it. If you’re looking to boost your super savings this is a must listen to episode as you might be missing out on retirement planning opportunities. Luke is joined by Leon of 2CC.
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Some people who salary sacrifice worry their employer isn’t doing the right thing, and wish there was another way.
Good news there are other ways to get money into your superannuation!
Did you know you can use your own money from any source to make a contribution to super and get a tax deduction?
How much of a tax deduction can you claim?
Both salary sacrifice and personal deductible contributions to super will give you the same tax outcome.
Why might you choose to make a personal deductible contribution rather than salary sacrifice?
Did you that you can do both: salary sacrifice as well as personal deductible contributions to super?
When might salary sacrifice might be the better option for you?
How do you make a personal deductible contribution to super?
How do you claim a tax deduction for a personal deductible contribution to super: “Notice of intent”
Lodge the Notice of intent with your super fund, keep copies of correspondence for your accountant.
Do you need to lodge a notice of intent for what salary sacrifice that you do through your work? In short, no you don’t.
Luke shares his top tips to consider when making contributions to your super.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-26092025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with strategies to boost your super and retirement savings?
Selecting the right contribution method at the right amount and in the right fund takes some super planning! If you need super or retirement advice, make an appointment to meet with Luke.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
16min
September 24, 2025Luke on 2CC – What is a testamentary trust and why might you need or want one in your Will?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 19 September 2025. The topic for this week is: What is a testamentary trust and why might you need or want it in your Will? Luke is joined by Leon of 2CC explore how a testamentary trust can provide you with greater certainty and protection in your estate planning. Go raiders if you’re following the NRL!
Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Alot of adults have out-of-date estate planning documents and no Will at all.
This podcast is a good reminder to revisit your estate planning and consider if a Testamentary Trust should form part of your Will.
Your Will directs what happens to all of your assets but does not include your superannuation or pension from superannuation.
What is a testamentary trust and what does it do?
What are the benefits of including a testamentary trust for your children?
Is the solicitor asking you the right questions when setting your Will?
Is your solicitor a specialist in family and estate planning law?
Luke provides an example of what happens to adult children when they inherit.
Binding nominations in your superannuation also need to be properly considered as part of your estate plan.
Should your binding nomination be payable to your estate rather than specific beneficiaries?
A testamentary trust cannot be added to your Will after the event, so if you don’t have it, your beneficiaries will miss out.
Luke shares his top tips to consider when considering estate planning, Wills, and Testamentary Trusts.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-19092025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need a Testamentary Trust as part of your Will?
Have you explored the idea of adding a testamentary trust to your Will? It can provide you with greater peace of mind and offer great protection and tax benefits for your beneficiaries. Estate planning can be complex, so do it right. Seek advice if you need help.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
16min
September 16, 2025Luke on 2CC – Should I max out my super contributions, regardless of my income level?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 12 September 2025. The topic for this week is: Should I always max out my superannuation contributions regardless of my income level? Luke is joined by Leon of 2CC explore how much to contribute given your situation. Going to the max might not always be the best use of your resources, even though saving for retirement is great behaviour. And go the Raiders if you’re following the NRL!
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Maxing out your super contributions is great savings behaviour – HOWEVER it might not be your best strategy!
How much tax do I pay on super contributions if I claim a tax deduction for them? Answer: 15%
It’s important to understand what your income is, and how much income tax you pay?
A person with a lower taxable income it might not get the tax deduction they think they’re getting if they claim a tax deduction for their contribution.
It can be better from a tax perspective to just make a personal contribution to your super and not claim the tax deduction.
Luke shares examples at $50,000 income and $100,000 income, and these have different strategy outcomes.
Understanding your taxable income is key to help you understand the tax you pay.
A non-concessional contribution is a super contribution where you don’t claim a tax deduction.
A concessional contribution is a super contribution where you do claim a tax deduction.
If you have sold an asset and have a capital gain tax liability, a concessional contribution (tax deductible super contribution) may be beneficial to help you manage that tax liability.
Luke shares his top tips to consider before making tax deductible contributions to your super.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-12092025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you making the most of your contributions to super given your taxable income?
Are you making the making the most of your superannuation contributions? It’s a complex area to navigate. Make an appointment to meet with Luke if you need help with your super, investment or retirement planning.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
0min
September 08, 2025Luke on 2CC – Should I buy an investment property like everyone else?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 5 September 2025. The topic for this week is: Should I buy and investment property like everyone else? It’s true that around 20% of Australian households have chosen to invest in a property outside of their own home. But is property investment as fruitful as it once was and what are the pros and cons to consider? Luke is joined by Leon of 2CC to deep dive into property investing. This is a must listen to podcast if you’re considering property investment.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
Should I buy an investment property? It’s a common question Luke is asked as they look to grow their wealth.
Many are biased towards property because they can touch and feel it, thinking it’s a risk-free investment – it’s not!
An investment property might not be your best investment to fund your retirement.
How much do you need to live on in retirement? What income do you require?
What are the pros of investing in a property?
Is negative gearing really worthwhile?
What the cons of investing in property?
Is depreciation really worthwhile when compared to tax liabilities down the track?
Why is it important to have a cash buffer if you buy an investment property?
Investment properties are also considered an asset for Centrelink purposes at retirement.
Luke shares his top tips to consider before buying an investment property.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-05092025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you considering your next investment? Would you like some advice before you make a big decision?
Is buying an investment property the right next financial step? Without thinking about your goal and doing the numbers properly, it may not be the best step forward. If you need help with your own medium and long-term planning, make an appointment to meet with Luke.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
18min
September 01, 2025Luke on 2CC – A MINI won’t pull a horse float!
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 29 August 2025. The topic for this week is: A MINI won’t pull your horse float! This topic is a metaphor about investing for your retirement goals and having the right superannuation fund to do that. Luke is joined by Leon of 2CC. They start this week’s show by talking about how cold it is in Canberra. It’s very fresh at this time of year.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
A MINI won’t pull a horse float – what does this metaphor mean in the context of financial planning?
We buy cars for certain reasons, we also need the right super fund for certain reasons.
It’s about features and options, like cars, the same can be said for super funds.
It’s not about disliking one type of super fund (for example an industry fund, personal fund or SMSF), it’s about choosing the right fund for your needs.
What are the differences between super funds?
What are the steps to selecting the right super fund? Use this format: Strategy, Structure and then Investment purchases.
Does balance impact the choice of super fund you have?
Luke shares his top tips around selecting and using superannuation funds to best effect.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/09/The-Strategy-Stacker-Luke-Talks-Money-29082025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you have the right super fund working for your retirement?
Your retirement plans should about your needs and goals. Not all super funds might be right for you. If you need advice to help to select the right super vehicle, make a financial planning appointment to meet with Luke.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to a mortgage broker should you wish to re-structure your loan or compare the market. Your current bank will never compare the market for you!
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
0min
August 25, 2025Luke on 2CC – Can I make a tax-deductible contribution to my super if I am a member of the PSS?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 22 August 2025. The topic for this week is: Can I make a tax-deductible contribution to my super if I am a member of the PSS? Luke is joined by Leon of 2CC to talk about this important topic for PSS members, which is costing many members lots of money and financial planning outcomes for their retirement.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
What is the PSS – or Public Sector Superannuation Scheme?
Are there any other government super schemes?
How generous is the PSS? Should I contribute to it?
The BIG myth: “I’m in the PSS and I contribute, that’s all I can do”.
Don’t forget about concessional contributions limit amount of $30k. Page 5 of your PSS statement will show much you’ve already used.
You can contribute to another super fund, up to your concessional contribution limit, and you can claim a tax deduction for that amount each year! You need to make this contribution to another super fund (not the PSS, as the PSS doesn’t accept these types of contributions).
How do I make a concessional contribution to another super account so I can get my tax deduction?
Don’t forget to lodge your notice of intent to claim a tax deduction with this super fund.
The PSS won’t tell you about this, because they don’t talk about other super funds.
Are there any other opportunities around setting up a second fund I should know about it if I am a PSS member?
Luke shares his top tips around contributions and the PSS.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/08/The-Strategy-Stacker-Luke-Taks-Money-22082025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Are you really making the most of your super if you’re a PSS member or do you need retirement planning advice?
In our experience, most PSS members aren’t making the most of their super opportunities and as a result, are not planning for retirement as well as they could be. Make an appointment to meet with Luke if you need help.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to a mortgage broker should you wish to re-structure your loan or compare the market. Your current bank will never compare the market for you!
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
17min
August 20, 2025Luke on 2CC – Should my investment loan repayments be principal and interest? Is there a better option?
Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 15 August 2025. The topic for this week is: Should my investment loan repayments be principal and interest? Or is interest only the way to go? Luke is joined by Rod Henshaw, covering for Leon of 2CC to talk about how to best manage investment loans.
Thank you for joining us live on 2CC, YouTube or your favourite podcast streaming service with ‘The Strategy Stacker – Luke Talks Money’.
Key topics covered include:
What is the difference between principal and interest and interest only investment loan repayments?
A principal and interest repayment will be higher than an interest only repayment, even when the interest only loan rate is higher.
It pays to do the numbers in your own situation.
Understand how your cash flow can be impacted under both repayment approaches.
Is there another option to paying off an investment loan?
How might an offset account help with interest only loan repayments?
How do offset accounts work in paying off the investment loan?
What are the other benefits of using an offset account this way?
Is it easy to change from interest and principal repayments to interest only repayments and add an offset account?
Even though interest rates are falling, don’t think that a lower interest rate is always better – especially if you’re trying to manage cashflow and have the benefits of using an offset account, that is, access to your money.
Luke positively challenges listeners to structure their investment loans correctly and make the most of their financial resources.
The right solution depends on your personal goals and situation. Seek advice if you need help.
https://www.envisionfinancial.com.au/wp-content/uploads/2025/08/The-Strategy-Stacker-Luke-Talks-Money-15082025.mp3

Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Is your investment loan structured correctly to help you make the most of your money?
A correctly structured investment loan can help you make more of your cashflow and you can still pay off the loan by using an offset account with interest only repayments. Seek advice if you need help to find the right approach for you.
Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation. Luke can also refer you to a mortgage broker should you wish to re-structure your loan or compare the market. Your current bank will never compare the market for you!
Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.
We look forward to your company again. Luke’s book Smart Money Strategy is out now.
...more
17min

FAQs about The Strategy Stacker - Luke Talks Money:

How many episodes does The Strategy Stacker - Luke Talks Money have?

The podcast currently has 452 episodes available.

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