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Investopoly
Investopoly is a twice-weekly podcast designed to help you make better financial decisions and build wealth with clarity and confidence. Hosted by Stuart (tax adviser, financial adviser, and mortgage broker) and Campbell (senior financial adviser), each episode delivers concise, practical insights grounded in real-world strategy, research, methodologies, and case studies.
You will get two episodes each week: a main episode that deep-dives into a single wealth-building topic, and a Q&A episode that answers listener questions and real scenarios. Send your questions to questions@investopoly.com.au
We also writes a weekly blog, and many podcast topics build on those ideas and frameworks. Stuart's forthcoming book, Wealth by Design, will be available in July 2026.
Investopoly
Q&A - Housing wealth in retirement, super timing, and the 20-year plan
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Pre-order Wealth by Design Here
This episode brings together four listener questions united by a common challenge: knowing which lever to pull next when the financial position is solid but the path forward feels unclear.
The first comes from a retiree who connected with a recent episode on underspending in retirement, but raises a dimension that wasn't covered how to factor substantial debt-free property wealth, including a principal residence and a beach house, into retirement income planning. The question is whether to sell, rent, or consider a reverse mortgage to unlock equity before those assets simply pass to the next generation.
The second involves a 60-year-old about to access a $2.1 million superannuation pension, with a part-time working wife five years from her own preservation age. The question is whether additional contributions to her fund over the next two years represent the highest-value use of surplus cash flow.
The third is a detailed scenario from a 43-year-old with a $2.65 million home, a Geelong investment property, $200k in shares, and two children in private school asking how to prioritise debt reduction, renovations, asset allocation, and ownership structure across a 20-year runway to retirement at 60.
The fourth involves an SMSF holding a Townsville investment property with a $375k LRBA loan, and the strategic tension between building liquidity inside the fund versus aggressively paying down debt alongside a broader question about whether downsizing the family home should factor into the plan.
Our most popular free guides:
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.
My new book, Wealth by Design, is out now:
Buy online or in bookstores. The ebook is available now, audiobook coming soon.
Got a question for the podcast?
Email us at questions@investopoly.com.au
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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.
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