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Terry Waugh is a solicitor, mortgage broker and tax adviser.
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In this episode we welcome special guest Nick Block, founder and financial advisor at ID Advice, one of Australia’s very few hourly-only advice firms.
Nick breaks down the mechanics and myths of debt recycling, explores tax-efficient investment choices, and uncovers the pitfalls of trust structures, pooled super funds, and investment bonds.
Whether you're building wealth, planning for your children’s financial future, or curious about superannuation strategies, this episode is packed with practical, no-fluff insights you can apply immediately.
In this episode we discuss:
00:38 – About Nick Block and ID Advice
01:26 – What debt recycling is and how it works
02:27 – Choosing between high-yield and low-yield ETFs
03:59 – Interest-only vs principal-and-interest loans
04:45 – When an investment becomes positively geared
05:27 – Harvesting capital gains as part of a recycling strategy
06:36 – The tax implications that must be considered
07:08 – Using superannuation alongside debt recycling
08:14 – Why trusts often don’t work for debt recycling
09:18 – Issues with pooled super funds and capital gains
12:10 – When an SMSF is appropriate
13:46 – Property inside super
15:48 – A strategy for dollar-cost-averaging debt recycling
21:43 – Investing for children and avoiding minor-tax traps
28:12 – Investment bonds and their real tax treatment
34:29 – Bucket companies and retained earnings
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