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End of financial year is almost here.
So what should long-term investors actually be thinking about right now?
In this week’s article, I break down everything worth considering before June 30.
Whether you’re just starting out or living off your portfolio, it’s a great time to reflect, optimise, and plan ahead.
Here’s what I cover:
- Capital gains, losses, and how to minimise tax
- Rebalancing your portfolio (and when to do it)
- Tracking dividend income and franking
- Tax deductions for investors
- Whether super contributions make sense
- Revisiting your strategy and life plans
👉 Read: How EOFY Affects Long-Term Investors
STRONG MONEY PODCAST
Die With Zero is an incredibly popular book.
It’s probably the most talked about finance book of the last 5 years, especially in the financial independence community.
After reading the book, I don’t agree with everything – but there are some key lessons that are worth taking seriously.
In the latest podcast, I share my takeaways from Die With Zero and how they apply to the FIRE community
🎧 Listen on Spotify, Apple, or on the website.
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AUSSIE FIRE PODCAST
This one’s packed with juicy questions from listeners.
We dive into the trade-offs of selling shares to debt recycle, protecting your assets in a worst-case war scenario, using property as a short-term leverage boost, and whether early FIRE-seekers should bother with super at all.
We also explore:
- Income splitting vs debt recycling—what works best?
- What’s the most optimal FIRE path for a young person just getting started?
- Do our goals shift when we earn more, or are we just wired a certain way?
🎧 Listen now on Spotify or Apple.
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THOUGHTS OF THE WEEK
Most people are basically programmed. How they work. How they live. How they spend. How they think. All driven by media, their parents, their peer group and society. Being a self-directed individual doesn’t come naturally. But only YOU have the capacity to make it happen.
I remember being 18, working for 3 months, getting hit with bills and saving nothing. I was angry. All that work. Weeks of my life gone. For zero progress. I don’t know how people do it for decades and accept it.
Financial freedom comes in two parts: finance and freedom. The money part is simple. It’s just numbers and actions. Freedom is harder. It’s uncertainty, confusion, and a mild existential crisis. What do I do with my life? What matters? How do I make the most of my situation to avoid future regret?
(By the way, I’m covering every single aspect of the challenges, experiences and opportunities of living a freedom-based lifestyle in my second book. Can’t wait to share it with you!)
