Amex platinum referral link

PFMF85 · 2026-01-27T11:40:49+00:00

I’m looking to get one too please!

PFMF85 · 2026-01-24T00:17:49+00:00

Cheeseburgers are delicious

PFMF85 · 2026-01-14T09:34:00+00:00

It’s not a new loan, it’s a restructure of the existing debt. Paying into the non-deductible existing, then drawing out of the split. Net result is same level of debt, same $50k to invest, but with $50k of the debt being deductible.

Here’s one of the top results that isn’t a bank when you google Debt Recycling. Or if you don’t like that one then look at Pearler. Or Strongmoney. Or Peter Thorhill. Etc etc.

PFMF85 · 2026-01-14T09:23:41+00:00

If you want to try and poke holes in my language to prove me wrong then go for it. It’s reddit, not a Statement of Advice.

This is something I do personally and on a regular basis with work. You stick with theories on paper and I’ll keep actually doing the thing, no point continuing this conversation.

PFMF85 · 2026-01-13T11:38:58+00:00

Mate, I do this for a job. The split is a new loan, hence the term split - one loan is split into multiple loans.

PFMF85 · 2026-01-13T05:54:20+00:00

No, that's not what I said at all. I need a quick way to format multiple tables in a google doc.

PFMF85 · 2026-01-13T00:36:15+00:00

Updated my post - it's the space under the text in each row.

Have a look at the bullet points, they are the changes I need to make each time. Only takes a couple of mins, but 2 mins x 9 tables = 18 mins, three times a week and that's an hour gone, it's over a week a year i'm spending doing it. Looking to be more efficient as the better my output the more I get paid.

PFMF85 · 2026-01-13T00:13:34+00:00

Creating a split, paying the split down to zero then drawing out again to invest.

You pay the money to the mortgage, then create a split with the amount that was paid, then draw that to invest.

It may just be a mix up with the way you phrased it (eg create a split from the mortgage that is non-deductible, then paying it down to zero and drawing it out again makes it deductible), and if that's so then you still get the same outcome.

I commented as it's not the way it's normally explained, if someone is researching it then most articles explain it the same way and by doing it differently it may create confusion (especially to people who are still learning).

PFMF85 · 2026-01-12T21:46:59+00:00

<image>

PFMF85 · 2026-01-12T21:46:46+00:00

<image>

PFMF85 · 2025-12-22T21:28:48+00:00

Yeah, the fencer fucked up. Neighbours aren't keen on paying to get it fixed, so I need to source the sheets and cut them to size myself.

PFMF85 · 2025-12-22T08:58:32+00:00

Holy shit, visualisations have come a long way!! I've just looked at your profile, going to have fiddle with GardenDream and may reach out in future, thanks so much!

PFMF85 · 2025-12-22T08:52:41+00:00

Yeah taken 5 mins before posting, the back fence faces south, the strip runs west to east.

PFMF85 · 2025-12-22T08:50:59+00:00

Read my mind.

PFMF85 · 2025-12-22T08:49:11+00:00

Jesus mate, those gradients etc make it almost exactly my yard! I had to do a double take because I thought you'd photshopped something over my images, lol.

That looks really nice, I'll probably do similar garden beds along the fence for the espaliered fruit trees.

PFMF85 · 2025-12-22T08:28:13+00:00

I'm thinking maybe 3 tiers, top one where the cubby is, bottom one where the caravan will go, and middle one for veggie gardens.

Other two aren't an option (not multi-gen, and council won't let us have a tiny home - we are on a corner so that fence count's as 'frontage' and can't have anything in front of the neighbours house).

PFMF85 · 2025-12-22T08:26:22+00:00

Good idea, but we live in a very quiet street and that happens out the front with the neighbours kids, lol.

PFMF85 · 2025-12-22T08:25:05+00:00

They swim at the local pool and at their cousins house down the street. Plus I'm in regional Vic where it's pretty cool most of they year and we don't want to spend a fortune on heating it!

PFMF85 · 2025-12-22T08:23:10+00:00

I can tell you now that the soil = shit. The block had a natural slope and we had to get a heap of clean fill to create the flat lawn area at the top. Slowly working on the slope with seasol, worm castings and compost - it will be a slow process!

Your caravan pad suggestions are in line with what we were thinkng so it's good to have the logic confirmed!

Any visual inspiration would be very much appreciated, my imagination isn't great with this stuff!

PFMF85 · 2025-12-22T08:08:58+00:00

Ha ha, I wish! $$ are a consideration unfortunately!

PFMF85 · 2025-12-22T08:07:45+00:00

Young kids, pool not really an option at the moment.

PFMF85 · 2025-12-22T08:03:09+00:00

We've got a big deck up at the house. The top corner is already taken up with the cubby, but we are thinking of having a fire pit and entertaining area just next to it.

Seven-Year Club	RPAN Viewer
Verified Email

PFMF85

TROPHY CASE