610 | Livevesting: Could Buying a Better Home Be Smarter Than Another Investment Property? – Chat with Stuart Wemyss

You can watch the YouTube video here.

What if the “safe” property decision you make today is the one you regret in 20 years? 🤔 

• 💰 Do you cash in your gains and become debt-free?
• 🏡 Keep your first investment because it’s performing well?
• 🥚 Spread your borrowing capacity across multiple properties?
• ⬆️ Or could putting MORE money into one great asset, even your own home, actually be the smarter move?  
• 🔄 With the rules around property investing changing, these are the decisions investors are being forced to rethink. 

Joining Ben Kingsley and Luke Oxenham is Stuart Wemyss, founder of ProSolution Private Clients, host of the Investopoly podcast and author of Wealth by Design. 

Together, they challenge some long-held assumptions about building wealth: Is diversification always a good thing? Has the family home become the ultimate tax haven? Can property still stack up without negative gearing? And was your first property ever really meant to be held forever? 

Plus, Stuart reveals what investors should be focusing on if negative gearing never returns, and why the best financial decision might not be the one that feels safest today. 

Because when you’re building wealth, Stuart argues there’s one perspective that changes everything: 

⏳ Think decades, not days. 

Free Stuff Mentioned

• Updated Property Case Studies 📊
  See how the latest tax changes impact all seven case studies from How to Retire on $3,000 a Week, plus a brand-new bonus case study.
  👉 Join the Waitlist for early access – for FREE! 

• PIPA Annual Investor Sentiment Survey 🏡
  Have your say on investor confidence, market trends and the impact of policy changes, helping PIPA advocate for balanced, evidence-based property policy.
  👉 Take the Survey  

• Wealth by Design by Stuart Wemyss 📖
  Discover Stuart’s eight rules for smarter investing and building financial freedom.
  👉 Check Out the Book  

• 🎧 Investopoly Podcast 
  Hear more of Stuart Wemyss’ insights on property, investing and long-term wealth creation.
• 👉 Listen to Investopoly 

• 🔄 Listen to our other great episodes with Stuart here >>  
• 🔄 Listen to our Tax Extraordinaire Julia Hartman’s episodes here >> 

Timestamps

• 02:28 – Stuart Wemyss Returns: What Investors Are Asking Now  
• 07:13 – Why Livevesting Matters More Than Ever  
• 10:37 – The New Maths of Negative Gearing  
• 13:51 – Is Melbourne Australia’s Biggest Opportunity?  
• 15:49 – Should You Put MORE Into Your Home?  
• 21:19 – Why Timing Matters Again  
• 23:16 – Cash Out or Hold? Think Decades, Not Days  
• 28:49 – New vs Established: What Stacks Up Now?  
• 33:39 – Structuring & Cash Flow Under the New Rules  
• 42:14 – What Existing Property Investors Can Do Now  
• 43:59 – Could Negative Gearing Be Reversed?  
• 50:39 – How to Invest if Negative Gearing Never Returns  
• 52:54 – Wealth by Design: Stuart’s New Investing Rules