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• Pre-Order Now! How to Retire on $3,000 a Week
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• Have you faced the same challenge as Jason — or do you still have questions after this episode? We’d love to hear from you!
  If you’ve found a way to bridge the gap with your partner around financial planning or property investing, share what worked for you! Your story could really help others in the community.Or if you’re still feeling unsure about something we covered — whether it’s equity release, offset accounts, or anything else — let us know what’s unclear. Your question might be the one someone else is too afraid to ask. Head to our SpeakPipe and record your message today!  

• Give the gift of sight for just $100! 
  To celebrate his 50th birthday, Bryce is partnering with the John Fawcett Foundation to restore sight to those who need it most. Together, we’ve already made a huge impact with more than $50,000 raised — but we’re not done yet. We’re aiming to hit $60,000 by 27 May! As Jeff, a TPC listener put it best: “It just felt so real — giving sight to unsighted people. I signed up and donated in 10 minutes.” Every dollar goes directly to sight-restoring surgeries. Here’s what your money can restore!
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Questions We Answer

Q1) Bridging the Gap on Property Investment with My Partner from Jason  

“My partner and I have different perspectives on property investment. While I’m following our Empower Wealth property plan that considers our long-term strategy with our lifestyle by design, she’s concerned about the initial negative gearing and short-term costs. This recently came up when we purchased an investment property. 

Her background as a Chartered Accountant makes her very detail-oriented, and the initial financial outlay understandably worries her. I believe there’s a way to bridge this gap by clearly communicating our overall financial goals and the long-term benefits of property investment.  

However, getting her engaged in these conversations is proving difficult. She is the plumber who doesn’t like doing their own plumbing. 

What I’d like to know: 

How can I effectively communicate the long-term benefits of property investment to address her short-term concerns? 

What strategies can I use to encourage her to participate in financial planning conversations?” 

 

Q2) Investment Properties vs. Principal Place of Residence from Ross 

G’day guys, it’s Monty here.  

Thanks for the amazing work and the great content you produce each and every week on the podcast. My wife and I are very fortunate to have 3 properties. We have our principal place of residence in Sydney with roughly $300,000 owing on that.  

We have an investment property up in Brisbane, which we’ve had for roughly 10 years, and our second investment property is in Perth, which we’ve had for 3 years. All three properties are in separate loans, and they’re not linked at all.  

Obviously, the last couple of years we’ve seen significant growth across all three properties, and we’re looking at purchasing our 3rd investment property sometime this year. The question I had was, is it beneficial to release equity from either of the investment properties, or is it better to release more equity from our principal place of residence?  

Over the next 5 years or so we’re looking at upgrading our principal place of residence, and I wondered that if we released equity from our Sydney home, would that have implications down the track when we actually sell that Sydney home to upgrade our principal place of residence?  

Being teachers, my wife and I, we’re always interested to learn as much as we can, and that’s where you guys have been amazing over the last 10 years or so. It would be great for any information you could provide.  

Obviously, we want to do the best for our 3 kids, and hopefully we can help them out in the future. So any information you have on this topic would be greatly appreciated. Thanks again for the great work you do and up the mighty Swannys in 2025.  

Thanks guys. 

Q3) Principal & Interest (P&I) vs Interest Only (IO) Offset Cashflow Feedback from Tom  

Hi Team, 

I’ve been debating whether to bother you with this or not as it may be a very rudimentary misunderstanding of mine, but after Thursday’s episode nearly addressed it and after doing some consulting with Opti to see if you had in a different ep, I wonder if I’m not alone in a knowledge gap I had before working with Joel. 

I’ve only ever had IO loans and as a result know very little about the mechanics of P&I loans (as I imagine many first home buyers or maybe other investor only, non owner oc’s like me may have too).  

During the planning with Joel I learned that an offset against a P&I loan doesn’t change the monthly repayment amount, just the proportion of P&I paid each month. i.e. improves the debt position but not monthly cashflow. 

Admittedly, I have not cut a full lap, I’ve not listened to 273 through to 494, so excuse me if it’s mentioned in these eps. Asking Opti, it pointed me to ep 448 where you skirt around it but not explicitly mention it. 

So to summarise, before being corrected by Joel, even after listening to nearly 300 eps, my previous naive understanding was that offsetting any debt improved cashflow AS WELL as lowered interest paid, So, I had grand plans where I could park company money into a home offset from time to time to improve cashflow, which I realise now is silly but again if i’m thinking it then maybe others might be too. 

For clarity, I am not explicitly looking for an improved cashflow position (paying a future home loan off earlier is fine by me) I was just so accustomed to the cashflow benefit of offsets on IO loans, and never really bridged the gap of how P&I worked in practice, I felt adequately foolish after we finished the meeting that day but at the same time validated the choice to pay for the big guns. 

I’ll leave you to do with this as you wish. 

Thanks again for all you do.

Tom

 

Timestamps  

• 0:00 – How to Align Your Financial Plan with Your Partner
• 1:47 – How to Retire on $3K a Week: Pre-orders now OPEN!  
• 3:13 – Our service dedicated to owner-occupiers?! 
• 4:37 – Moorr Mobile Update: Historical tracking now LIVE! 🎉  
• 5:29 – Bryce’s 50th: Give the gift of sight for just $100!  
• 7:46 – Mindset Minute: “Listen to the people closest to your goals!”  
• 8:22 – Q1) Bridging the Gap on Property Investment with My Partner from Jason 
• 10:20 –  But… the properties are making a net loss?  
• 14:34 – “A human convinced against their will, remains unconvinced still…” 
• 15:41 – Solution #1: Low-pressure conversations 
• 16:55 – Solution #2: Let them choose their lane  
• 17:43 – Solution #3: Neutral third-party 
• 19:24 – Solution #4: The opportunity cost 
• 20:00 – Why you need to understand the rate of return calculation  
• 22:35 – The dilemma of residential property investing  
• 26:14 – Why you want 9% gross property return  
• 28:31 – Experienced the same problem? Send us a SpeakPipe of your solutions!  
• 29:35 – Q2) Investment Properties vs. Principal Place of Residence from Ross 
• 31:43 – Let’s take a moment to honour their achievement!  
• 32:49 – What is the goal? Do you need a third investment property?  
• 37:35 – Ben puts on his “investment-savvy mortgage broker” hat 
• 41:56 – Summary   
• 43:19 – Q3) P&I vs IO Offset Cashflow Feedback from Tom 
• 47:08 – EXPLAINED: Amortising loans  
• 49:39 – Solutions to recalibrate your loans later  
• 52:15 – What if you have a substantial amount in your offset?  

And…

• 54:15 – Life by Design hack: Cost-effective camp hack  
• 56:40 – WMPN: What do Trump’s tariffs mean for Australia, rate cuts and property?