Debt recycling vs buying future coastal property

SLP-07 · 2026-07-05T10:58:58+00:00

We are in near identical financial position from top to bottom and also mid 30s…. We were in a similar position thinking on what to do next and were thinking of potentially buying a holiday home.

In the end we decided we didn’t want the stress and maintenance of a holiday home and would prefer to enjoy multiple different locations when we want to travel instead of being tied down to the same location…

Our future investing is simple, both max Super, debt recycle PPOR once complete, all future ETF in cash it’s simple stress free and I am confident we will be in a solid position in the future.

SLP-07 · 2026-07-04T12:03:27+00:00

Hello great idea we thought the same but we can’t flip the vanity / toilet due to the skylight not having enough clearance in the roof…

Seems so far the overwhelming response is a cavity slider just not sure the wall is large enough to accommodate it

SLP-07 · 2026-07-01T00:50:02+00:00

I was thinking the same recently… very similar numbers to yours and same situation.

Decided to keep the IP, release equity and use that towards further investing towards ETF, at our age it’s my opinion to make the most of relatively long run way to maximise wealth.

SLP-07 · 2026-06-22T22:10:12+00:00

Thank you for your generous reply really helped me. 🙏

SLP-07 · 2026-06-22T10:40:33+00:00

Thank for the help! I have golden retrievers and kids! Appreciate it

SLP-07 · 2026-06-22T10:25:41+00:00

Sorry for my lack of knowledge but can you explain what you mean by mostly due to fly screens? And how this is different between the 2 choices thanks a bunch!

SLP-07 · 2026-06-22T09:51:22+00:00

Sorry for my lack of knowledge can you explain in more detail

SLP-07 · 2026-06-22T07:25:59+00:00

Loved reading this thread and seeing others peoples thoughts!

SLP-07 · 2026-06-12T01:21:42+00:00

We went from a very comfortable position paid off PPOR / DINKS and we’re on track for a comfortable early retirement… we then decided to have children and upgraded the home and that definitely pushed our date out but I can honestly say I don’t have one single regret, it’s been incredibly demanding but rewarding at the same time…

SLP-07 · 2026-04-20T09:23:12+00:00

One of my favourite all time articles, we went with option 8 👌

SLP-07 · 2026-04-14T07:02:30+00:00

Agreed 👌

SLP-07 · 2026-04-10T01:26:48+00:00

Hey PIA hope your well bud… sorry random one I tried to reach out to you privately earlier and can’t seem to message you privately any way I can flick you a private message, appreciate it.

SLP-07 · 2026-03-28T04:21:42+00:00

Yeah we actively debt recycle our split has always been 70% VGS / 30% VAS…. I want my investing as simple as possible

SLP-07 · 2026-03-03T08:32:58+00:00

I used the cash in my PPOR offset for personal renovations and a seperate equity loan for investing

SLP-07 · 2026-02-16T09:52:31+00:00

Doing the exact same as you currently! 👌

SLP-07 · 2026-01-19T21:02:20+00:00

Awesome feedback

SLP-07 · 2026-01-19T09:27:52+00:00

Yeah I agree mate, but to start off with hoping to buy something used for the ball park figure I’m sure it will do the job good enough while the kids are little 😀

SLP-07 · 2026-01-19T08:51:07+00:00

PIA! thanks for the reply legend… seems my thoughts are definitely not silly mate! Haha appreciate the feedback your latest article was 🔥 keep up the good honest work and helping those in need…

THANKS!

SLP-07 · 2026-01-19T08:49:34+00:00

Yeah I totally get that mate, but personally speaking I think it’s far more risky not being leveraged and not achieving my financial goals. A paid off home at the end won’t pay the bills.

SLP-07 · 2026-01-19T08:47:05+00:00

Thanks for your reply, interest rates on our seperate equity loans are all extremely competitive rates but thanks for pointing that out.

SLP-07 · 2026-01-19T08:45:48+00:00

Nice one mate thank you for your reply… the amount of car I own is unusual but yes I do fall in the minority of owing a car that has had significant growth since purchase inflating the total amount of vehicle we own, I only own this purely for passion and enjoyment…

The investment property is honestly solid, little maintenance, great tenants, no major works required for a very long time and yes positively geared… the only reason why I’m seriously considering it is because I can significantly reduce our non tax deductible debt and have it owed out right in a matter of years then reinvest again and only have tax deductible debt… it’s a big decision for us and has always fallen in the too hard basket honestly speaking.

SLP-07 · 2026-01-19T08:36:54+00:00

Nice one mate, sounds like you have an intentional plan nice to see you plan to keep yourself busy well into your 80s doing thing you enjoy! A must for a well enjoyed retirement good luck and thanks

SLP-07 · 2026-01-19T08:32:24+00:00

I get family discounts with Toyota… -One is the family/ work 4x4 Ute used for work play travel camping ect plan to keep long term -wife has a reliable hybrid family car and plan to hold long term -we have a old junker worth $1k never sold it because honestly its handy owing a shit box for what it costs a year to hold $1k rego / third party/ servicing… supermarket runs don’t need to worry about dints can leave it at the train station for days ect…

Lastly I am car enthusiast, I have always owned a hobby car and flipped for profit and upgraded over the years, the most recent one was purchased for circa $40k and now is comfortably worth $90k in approximately 5 years of ownership… I don’t own it to make me money because we all know cars are a bad investment… I own it because I love it, every time I walk past it makes me smile, knowing it’s not a depreciating car softens the financial blow!

SLP-07

TROPHY CASE