Free Stuff  

• We’re growing — and we’re looking for passionate Buyers Agents to join our team!
  At Empower Wealth, you’ll work alongside some of the best in the business — helping everyday Australians secure their dream homes, build wealth through property, and move closer to financial peace. If you — or someone you know —  is a dedicated professional who puts people first and is ready to grow with a values-driven team, get in touch at Empower Wealth or via The Property Couch. 

• Give the Gift of Sight – Just $100 Can Change a Life 👁️
  To celebrate Bryce’s 50th birthday, we’re on a mission with the John Fawcett Foundation to restore sight through life-changing cataract surgeries in Indonesia. Thanks to our incredible community, we’ve already raised over $50,000 — and we’re aiming for $60,000 by May 27! As TPC listener, Jeff, shared: “It just felt so real — giving sight to unsighted people. I signed up and donated in 10 minutes.”

• Here’s what your donation can do:
  👁️ $100 = Restores sight to 1 person
  👁️👁️ $200 = 2 people
  🖐️ $500 = 5 people
  ✋✋ $1,000 = 10 people
  Give the gift of sight >> 

• Listen to Julia’s other episodes here >> 
   

Timestamps  

• 0:00 – The Overlooked CGT Timebomb Hidden in Joint Tenancy – Chat with Julia Hartman 
• 1:15 – In the shadows of tax time…  
• 3:23 – The $20K instant asset write-off  
• 4:08 – Exciting upcoming guests; stay tuned!  
• 6:51 – We’re on the hunt for Buyers Agents!  
• 8:05 – Bryce’s 50th: Give the gift of sight for $100 😮  
• 8:28 – Mindset Minute: “Success is something you attract, not something you pursue” 
• 11:08 – Welcome Julia!  
• 12:10 – Topic #1: Debt Recycling 
• 13:13 – What is debt recycling?  
• 14:59 – Understanding dominant purpose 
• 16:11 – The Harts Case & Part 4A as the Government’s secret weapon 
• 19:51 – The Grey Area: Debt recycling with Principal & Interest vs. Interest Only loans 
• 24:26 – The 3 Definitions of Debt Recycling  
• 28:11 – “You can’t owe yourself money”: How folks lose deductible interest on their deposit 
• 31:22 – Topic #2: Joint Tenants do NOT technically inherit, here’s why! 
• 33:28 – Joint tenants vs. Tenants in common  
• 34:55 – Julia’s ideal plan 
• 36:03 – Is it right? Couples carrying forward their partner’s CGT debt  
• 38:25 – The Catch: Changing from joint tenants to tenants in common 
• 41:36 – THIS is why tax planning is essential…  
• 42:26 – Nuanced Examples: The 6-Year Rule, can stepchildren challenge the rule, and more! 
• 46:59 – Topic #3: Victorian Land Tax Grab – The $50K Trap 
• 51:00– The ATO tripwire & data matching  
• 53:04 – What triggers this tax?  
• 56:30 – Is it possible to avoid this? CGT, small business concessions & moving your home businesses  

And… 

• 59:04 – What a fantastic fireside chat with Julia!  
• 1:00:55 – Life by Design hack: Don’t ask your child what they want to be when they grow up. Ask these 5 Qs instead!  
• 1:03:26 – WMPN: What do US tariffs mean for Australia’s economy?