Investopoly

Pre-order Wealth by Design Here In this episode, Stuart revisits Golden Rule 4 and admits that half of it has changed. In Investopoly , the advice was to build your asset base, then tilt toward income as retirement approached. Wealth by Design confirms the first half but overturns the second. Here's why. Stuart makes the case that the real objective isn't income at all; it's after-t...

Read Full Blog Here Pre-order Wealth by Design Here With the government's changes to established residential property now looking likely to become law, the investment case has fundamentally shifted, and those who try to ignore it will be exposed. In this episode, we unpack why quarantining negative gearing losses hits investors so hard: the asset costs materially more to hold each year, yet c...

Pre-order Wealth by Design Here In this mailbag episode, we tackle five listener questions spanning some of the trickiest decisions in personal finance. A Brisbane couple in their mid-forties, with strong super balances and a plan to knock down and rebuild, ask whether to ease off super contributions to kill debt faster or keep compounding inside the lower-tax environment and whether debt recyclin...

Pre-order Wealth By Design Here Episode three of Eight Rules Revisited continues the Thursday series comparing the eight golden rules from Investopoly with the updated versions in Wealth by Design, released 28 July. Rule 3 — spend less than you earn and invest the difference- is one of the most straightforward principles in personal finance. It is also one of the most reliably ignored. The rule it...

Read Full Blog Here Pre-order Wealth By Design Here Both Houses have passed the Treasury Laws Amendment (Tax Reform No. 1) Bill 2026. Royal Assent is pending but considered a formality. For investors, property owners, business owners, and superannuation members, the changes are substantial, and the details matter enormously. This blog provides a clear, technical breakdown of what the legislation a...

Pre-order Wealth By Design Here This episode brings together six listener questions that each involve a meaningful financial decision and, in several cases, significant personal uncertainty alongside significant financial capacity. The first comes from a couple in their late thirties who received a substantial inheritance, now holding $3.6m in cash alongside a share portfolio and three properties....

Pre-order Wealth by Design Here Episode two of Eight Rules Revisited continues the Thursday series comparing the eight golden rules from Stuart's 2018 book Investopoly with the updated versions in his new book, Wealth by Design, released on 28 July. Rule 2 states that you must know how much income you need and by when. That principle hasn't moved. What has tightened considerably is every...

Read Full Blog Here Pre-order Wealth by Design Here Most people assume building wealth requires making hundreds of good financial decisions. In reality, a small number of choices do almost all of the heavy lifting, and this episode identifies exactly which ones. The first is the choice of partner, arguably the most important financial decision a person will make. Alignment on spending, saving, and...

Pre-order Wealth by Design Here This episode brings together four listener scenarios united by a common theme: significant financial capacity, but genuine uncertainty about which move to make next and in what order. The first comes from a Sydney couple earning $540k who feel house-poor despite their income carrying a $1.9m mortgage on a home bought partly for its duplex potential, with a medium la...

Pre-order Wealth by Design Here This episode is the first in Eight Rules Revisited, a Thursday series running alongside the regular podcast. Each week, I take one of the eight golden rules from my 2018 book Investopoly and compare it with the version in my new book, Wealth by Design, out on 28 July. Some rules have changed, some have tightened, and some have simply been confirmed by eight more yea...

Read Full Blog Here Pre-order Wealth by Design Here Financial advisers often manage their own money quite differently from the clients they advise. After more than two decades of observing both groups up close, those differences have become a reliable indicator of what genuinely good financial decision-making looks like in practice. In this episode, Stuart shares nine observations drawn from that...

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-f...

Read Full Blog Here Pre- Order Wealth By Design Here Commercial property is being actively promoted as a compelling alternative to residential investment, particularly as higher interest rates reduce borrowing capacity and tighter tenancy laws make residential property less attractive. On the surface, the pitch is appealing: higher rental yields, tenants paying most outgoings, and the potential fo...

Pre-Order Wealth by Design Here This episode brings together three listener scenarios that each involve genuinely complex financial positions, multiple moving parts, significant income, and decisions where getting the sequencing right matters enormously. The first comes from a 34-year-old specialist trainee doctor in Sydney, engaged, planning a family, and facing a highly unusual income trajectory...

Pre-order Wealth by Design Here Read Full Blog Here Superannuation's enforced long investment horizon is one of the most underused structural advantages available to Australian investors. This blog examines whether internally geared ETFs have a role to play within super, and backs the analysis with detailed financial modelling rather than theory alone. The numbers are compelling. A 30-year-ol...

Pre-Order Wealth by Design Here This episode brings together four listener questions that each wrestle with a different dimension of long-term wealth building, from the early decisions that set the trajectory to the late-stage sequencing that determines how comfortably retirement unfolds. The first comes from a 28-year-old physiotherapist two years into his career, carrying $1.1 million in mortgag...

Pre-Order Wealth by Design Here Read Full Blog Here Charlie Munger left investors with ten principles that are deceptively simple and take a lifetime to apply well. This blog translates each one into practical, grounded guidance for Australian investors, moving beyond abstract philosophy to the specific decisions, mistakes, and behaviours that shape long-term outcomes in local property and share m...

Pre-Order Wealth by Design Here This episode brings together five listener scenarios that span the full arc of wealth building, from a 24-year-old taking his first steps to couples approaching retirement with complex, multi-property portfolios and competing priorities. The first question comes from a 24-year-old earning $80k with $75k across shares and savings, limited borrowing capacity, and a ge...

Read Full Blog Here With 30 June approaching, now is the time to review your superannuation contribution options before the annual window closes. Most of the levers available inside super operate within a tight 12-month period, and several are use-it-or-lose-it; miss the deadline, and the opportunity is gone. This blog walks through 10 strategies worth considering before the end of the financial y...

This episode brings together five listener scenarios united by a common thread: making sound financial decisions under competing pressures: income goals, asset quality, tax reform, and the desire for more time and freedom. The first comes from a couple, both aged 40, with three investment properties and a growing ETF portfolio, asking what it will take to reach $200k in net annual income and reduc...

This special episode is a replay of a YouTube presentation which is a calm, numbers-led walkthrough of the 2026 Federal Budget - recorded roughly 40 hours after budget night - focused on the three proposals most likely to affect investors: negative gearing, capital gains tax, and family trusts. The deliberate frame throughout is that nothing is law yet, the political debate is far from settled, an...

Register for Thursday's live event   Read Full Blog Here The 2026-27 Federal Budget included some of the most significant proposed tax changes we have seen in many years. In this episode, I unpack the key announcements affecting investors, property owners, business owners, and families, including proposed changes to capital gains tax, negative gearing, and the taxation of discretionary trusts...

Register For Live Here This episode brings together four listener questions that each wrestle with some of the most practical and consequential decisions in personal finance: how hard to push for a first home, where to deploy idle equity, when an SMSF makes sense, and how to identify genuinely investment-grade property in a market where houses are out of reach. A couple in their early thirties tra...

Read Full Blog Here Register For Live Event Here Tax is psychologically painful, but for investors, over-fixating on it is a genuine risk. The drive to minimise tax can lead to decisions far more costly than the tax itself, and this blog makes the case for keeping it in its proper place. Using financial modelling across both property and shares, Stuart examines the real impact of capital gains tax...

This episode brings together three listener questions that each wrestle, in different ways, with the tension between financial optimisation and practical simplicity, and whether the most technically efficient strategy is always the right one for a given stage of life. The first scenario involves a couple in their mid-thirties with a solid net worth of $2.5 million, a newborn, and a clear long-term...