Q&A: Deploying $800k, structuring for the future, and what to spend on a car
Notes de l’épisode
Four listeners at pivotal moments. "John," 55 and five years cancer-free, has $800k from selling an investment property and a detailed plan for a downsizer contribution, an experiences fund, helping both daughters into homes and one big question: will his super comfortably fund $100k a year in retirement? Stuart stress-tests the numbers and the strategy.
"Chris," 44, lays out a layered plan involving an SMSF property, an investment property and a granny flat, and asks whether it's solid or whether he should be more aggressive now. "Brenton," a high-income earner still driving two ten-year-old Toyotas, poses a refreshingly human dilemma: what financial principles should guide spending on a depreciating-but-essential asset like a car—and how much splurging is genuinely defensible after years of sacrifice?
Finally, "Bob," 38 with strong surplus cash flow, asks three sharp questions many listeners share: should new assets go into his name, his wife's, or a family trust given their income gap? Hold or sell an interstate Queensland property after a strong run? And at his age, gear into undervalued Melbourne property, debt-recycle into ETFs, or simply kill the mortgage first?
Practical, numbers-driven answers throughout.
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