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In this episode, Lee and Mai unpack a big mindset shift for business owners and individuals alike: why paying down your home loan isn’t always the best return on investment (ROI).

They explore how ROI applies to everyday financial decisions — from mortgages and offset accounts to superannuation and long‑term wealth strategies — and challenge the common belief that throwing every spare dollar at your home loan is always the smartest move.

The conversation also dives into self‑managed super funds (SMSFs), family pooling strategies, and how super can be used not just for retirement — but as a powerful wealth‑building and debt‑elimination tool.

In this episode, Mai talks about:

• What return on investment really means in everyday financial decisions
• Why paying down your mortgage or offsetting interest can cap your returns
• How tax savings should be viewed as part of your ROI
• Why superannuation is one of the most tax‑effective investment vehicles available
• How concessional super contributions can outperform mortgage repayments
• The difference between accumulation and pension phase in super
• How SMSFs can invest in property and generate tax‑free income after age 60
• Common traps to avoid when selling assets inside super

If you’ve ever wondered whether you’re parking your money in the right place, this episode will change the way you think about cash, tax, and long‑term planning.

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Disclaimer

The advice contained in this presentation is general in nature only and should not be acted on without first seeking professional advice.

Your personal circumstances have not been taken into account, and you should consider the appropriateness of the advice to your individual needs.