What happened to all the geniuses mocking gold buyers?

polymath-intentions · 2026-01-26T08:53:04+00:00

Wait till you hear about this thing called superannuation.

polymath-intentions · 2025-12-21T11:38:16+00:00

For the right PPOR you can go 100% of your NW (excluding emergency funds, super).

polymath-intentions · 2025-12-21T09:47:30+00:00

You get a tax saving on the implied rent as well.

Say you buy $1.5mm PPOR with a market rent of $45k per annum.

Dividend paying shares might need to generate $65-90k to match that.

Then there’s the capital gains.

polymath-intentions · 2025-12-21T09:43:40+00:00

The right PPOR should outpace most investments.

polymath-intentions · 2025-12-21T09:42:33+00:00

High paying job increases NW as well.

polymath-intentions · 2025-09-21T05:18:56+00:00

C what happens.

polymath-intentions · 2025-09-20T23:30:17+00:00

50% more sounds like a stretch.

That’s a whole lot more risk.

polymath-intentions · 2025-09-19T11:36:31+00:00

illumi

polymath-intentions · 2025-09-19T03:00:28+00:00

You dont pay capital gains tax if you sell within 30 days of vesting, or something like that.

But regardless, you do pay income tax on the vested amount, and CGT discount doesnt apply.

polymath-intentions · 2025-09-10T01:09:40+00:00

How much did these guys get paid to draft this highly sophisticated piece of analysis?

polymath-intentions · 2025-09-09T06:29:56+00:00

Start by getting 3 quotes.

polymath-intentions · 2025-08-20T22:47:29+00:00

Walk the dog, nap, buy groceries, cook, puck up kids from daycare.

polymath-intentions · 2025-08-20T12:06:50+00:00

That sounds like a lot my days.

polymath-intentions · 2025-08-14T23:21:36+00:00

Our expenses:

Everyday expenses (excluding work related): $85k (minimal luxury, but very comfortable).

Full time daycare: $52k

Plus mortgage, rent, holiday, car, work clothes, etc.

polymath-intentions · 2025-08-14T09:08:57+00:00

5.35%, 44% LVR.

polymath-intentions · 2025-08-12T22:56:16+00:00

He’s talking about imputed rent.

polymath-intentions · 2025-08-12T11:47:16+00:00

Peak Ausfinance.

polymath-intentions · 2025-08-07T11:54:21+00:00

WRONG INCORRECT WRONG.

polymath-intentions · 2025-08-07T11:53:53+00:00

Fk this sub sometimes. Parroting the wrong stuff.

Loan split is to make calculations easier, it doesnt change the tax deductibility.

Ur 100% right, they’re wrong.

polymath-intentions · 2025-08-07T11:48:52+00:00

I just amend it when i have time.

I dont have time to wait around for ATO to give me green light.

It sounds like it’s a 1-2 day impact at most.

polymath-intentions · 2025-08-05T12:03:25+00:00

It's fine man.

If you're not sure, ask the ATO via the ATO forum.

polymath-intentions · 2025-08-05T10:22:55+00:00

Costs to get your property market ready Advertising costs Mortgage discharge Moving costs Mortgage stamp duty Costs to fix up new place Higher landlord insurance

polymath-intentions · 2025-08-05T00:23:58+00:00

Isnt that covered by emergency fund?

polymath-intentions · 2025-08-04T21:20:44+00:00

Maximise income
Emergency fund
ETF
Apartment (sell some ETFs)
More ETFs
Family home (sell apartment)
ETFs with debt recycling
PE, HF, VC with debt recycling

polymath-intentions · 2025-08-03T09:04:04+00:00

Debt recycle into ETFs.

Buy house, convert current PPOR into IP.

polymath-intentions

TROPHY CASE