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547b debt recycling & gearing to invest
Today's episode is a debt recycling deep dive! Friend of the show and financial adviser Paul Benson joins us to help break down the concept of debt recycling and answer all your questions about it. The episode touches on:
๐ what IS debt recycling?
๐๐ผ debt recycle with PPOR or investment, interest only or P&I?
๐๐ฝ how much equity should you have before debt recycling?
๐๐พ how do interest rates affect your debt recycling strategy?
๐๐ฟ would a gearing strategy or debt recycling suit your goals better?
๐๐ป how to calculate the benefit
๐ how would lending work
๐๐ผ how often should we invest?
๐๐ฝ is it best to engage a planner or accountant in the process?
๐๐พ do you have to turn off DRP to debt recycle?
๐๐ฟ couples - does it matter whoโs name the shares are under?
๐๐ป considerations for sole traders
๐ who would debt recycling suit
๐๐ฝ when wouldnโt you do a debt recycling strategy
The Psychology of Money: https://amzn.to/3FazrD9
๐ง Financial Autonomy - take a listen to Paul's podcast!
๐ Please read our disclaimer + warnings before listening to this episode
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๐ธ Quick links to $20 off The Glen James Spending Plan, Glenโs book & other resources
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914 mortgage update (fix or stay variable, IO extensions, bridging loans, FHB schemes + more)
01:40:08||Season 9Youโve been saving long enough โ letโs get you a property. Check out, 'The Quick-Start Guide to Your First Property': https://amzn.to/4svhyoHTime for a quarterly lending landscape update! Glen is joined by Joe Carroll, Director at Sphere Home Loans to answer your questions about:๐๐ผ coming off a fixed rate๐๐ฝ fixed vs variable - what to know before you fix๐๐พ split loans๐๐ฟ extending an interest-only period๐๐ป how often should you be in contact with your broker?๐ how LVR and interest rates work and when to negotiate a better rate๐๐ผ pros & cons of bridging loans๐๐ฝ self employed / other income with mortgage applications๐๐พ use home equity or traditional car finance to purchase a car๐๐ฟ 5% deposit scheme & cash buffer restrictions๐๐ป how do foster children impact home loan applicationsย Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auApply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show๐ก Join our Facebook community: https://bit.ly/m3fbgroupWatch us on Youtube: https://www.youtube.com/@m3.podcastCheck out all our show resources: https://www.moneypodcast.com.au/mmmshownotesThis content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donโt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
913b they won the lottery: here is how they invested it
01:02:11||Season 9Learn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storeWhat happens after you win $30 million? In this episode, Glen is joined by financial adviser Martin McGrath to unpack a real case study of a couple who won big and needed to figure out what to do next. They talk about:๐๐ผ the case study๐๐ฝ the coupleโs goals๐๐พ what they did with the money first๐๐ฟ Martinโs fee for advice๐๐ป tax planning strategy๐ investment returns๐๐ผ topping up super๐๐ฝ having a 'boring' strategy๐๐พ did they DCA or lump sum invest?money money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auApply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show๐ก Join our Facebook community: https://bit.ly/m3fbgroupWatch us on Youtube: https://www.youtube.com/@m3.podcastCheck out all our show resources: https://www.moneypodcast.com.au/mmmshownotesThis content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donโt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
913 LOOT, rentvesting in your 40's, rent-to-rent, is buying a home still possible + more
50:36||Season 9Youโve been saving long enough โ letโs get you a property. Check out, 'The Quick-Start Guide to Your First Property': https://amzn.to/4svhyoH In today's episode, Glen is joined by financial adviser Alex Luck from Everest Wealth to discuss your questions:๐๐ผ what does LOOT mean to you?๐๐ฝ rentvesting in our 40s, where to begin?๐๐พ invest in shares or smash the mortgage/offset?๐๐ฟย is a rent to rent property strategy worth it?๐ is saving for a house deposit still worth it? Learn more about Everest Wealth: everestwealth.moneymoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auApply to be a guest! https://www.moneypodcast.com.au/apply-to-come-on-the-show๐ก Join our Facebook community: https://bit.ly/m3fbgroupWatch us on Youtube: https://www.youtube.com/@m3.podcastCheck out all our show resources: https://www.moneypodcast.com.au/mmmshownotesThis content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we donโt know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.
912b wwgd: Selina can buy property or shares, but why is Glen unsure of both?
44:59||Season 9Selinaโs done an amazing job building wealth, but when she asks Glen whether she should buy an investment property, invest more in ETFs or keep stacking offset, his answer is unexpected.Want to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
912 startup equity, inheriting $1m, debt clean up, taking a pay cut & mortgage vs invest
01:04:49||Season 9In this Q&A Glen is joined by financial adviser Alex Luck from Everest Wealth to answer your questions:๐๐ผ pros & cons of taking lower paid job at a startup vs staying freelance๐๐ฝ how to maximise $1M inheritance in mid 30s๐๐พ paying down consumer debt & getting mortgage-ready๐๐ฟ clear debt or invest instead?๐๐ป when HELP debt should and shouldnโt be paid off๐ invest vs pay down the mortgageGlen's book, Sort Your Money Out & Get Invested: https://www.moneypodcast.com.au/resourcesEverest Wealth: https://everestwealthgroup.com.au/Want to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
911b wwgd: Jake & Kiera in fresh relationship, existing assets, goals & bringing it all together
51:34||Season 9Jake & Kiera have built strong financial foundations individually and now theyโre figuring out how to bring it all together in a new relationship. In this What Would Glen Do episode, they talk about:๐๐ผ Jake and Kieraโs current situation๐๐ฝ Glen runs through the sound financial house๐๐พ properties, assets & investments ๐๐ฟ Kiera's new career plans๐๐ป their shared goals to get a new PPOR, travel & live life on their own terms๐ what Glen would do๐๐ผ structuring property ownership & protecting against future risksWant to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
911 Glen's banking system, loan split for IP, physio career change, credit card points + more
01:20:00||Season 9In this Q&A, Glen James and John Pidgeon chat about:๐๐ผ bank account structure๐๐ฝ loan splits on your PPOR to purchase investment properties๐๐พ buying a car with finance or equity๐๐ฟ a hospital physio who wants a career change๐๐ป if you had a full year off work on your current pay, what would you do with your time?๐ credit cards and their impact on your credit score/rating๐๐ผ should I use half my emergency fund to get solar?Check out the Glen James Spending Plan here: https://education.moneypodcast.com.au/courses/the-glen-james-spending-planWant to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
910c tax white paper, war, oil prices, inflation, interest rates, first home vs investment property + more (campfire chat)
02:50:49||Season 9Join us (Jess Brady, Vince Scully & Glen James) for an informal long-form chat about anything and everything. Recorded on Friday 13 March 2026. Mixed and mastered by Glen (sorry team isn't working on Sat) and was dealing with a tech difficulty with Vince' mic. Due to some other tech issues with our recorder having a meltdown, this episode will not be on YouTube (sad face).Jess' new book: https://amzn.to/4lvIUIIAny advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.
910b wwgd: new house & a cashflow crisis coming + did GJ spot a red flag?
47:22||Season 9In this "what would Glen do" episode, Julie* and her fiancรฉ recently built a home but now a major career change means their household income is about to drop. With a big mortgage, wedding costs coming up and plans to start a family, Julie wants to know: do they need to sell the home? How can they afford everything? Glen and Julie unpack:๐๐ผ her dilemma๐๐ฝ salaries, career change & income drop๐๐พ emergency fund, savings & debts๐๐ฟ spending plan, insurance & financial foundations๐๐ป super balances and financial position๐ the mortgage and house value๐๐ผ lifestyle costs and hobbies๐๐ป career values and long term plans๐๐ฝ Glen raises some potential red flags๐๐พ and shares what he would do in their situation*Name changed for privacyย ๐ Sort Your Career Out & Make More Money by Glen James & Shelley Johnson: https://www.moneypodcast.com.au/resources#booksWant to be a guest on the show? Apply here! https://www.moneypodcast.com.au/apply-to-come-on-the-showWatch money money money on Youtube: https://www.youtube.com/@m3.podcastLearn how to be a better investor with 'The Quick-Start Guide to Investing' book: https://www.moneypodcast.com.au/storemoney money money is proudly supported by Sphere Home Loans and Skye Wealth.Need a mortgage broker? Check out https://www.spherehomeloans.com.auNeed to review your personal insurances? Head to https://skye.com.auWe hate email spam so we donโt create it! Sign up to our newsletter to get only the valuable money, careers and property info you need.To get help, and to check out our online courses, books, resources and downloads (+ our disclaimers and warnings), click here.Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement (PDS) and target market determination (TMD) and obtain appropriate financial advice tailored to your needs. SYMO Interactive Pty Ltd & Glen James are authorised representatives of MoneySherpa Pty Ltd which holds financial services licence 451289.