Four listeners at very different scales. "James," 45, describes himself as not being great with money but ready to fix that with a $480k inheritance, a high income, and 15 years to run. His head is spinning: pay off the mortgage, debt recycle, go all-in on ETFs, start an SMSF, and is property still viable over a 14–15 year horizon versus shares? Stuart brings order to the questions.

Alex, in his early 40s, asks a question many quietly avoid: when do you sell an underperforming or average investment property? Having bought in Perth after exceptional growth using a buyer's agent, he now doubts the fundamentals and wonders whether to redeploy toward ETFs.

Finally, Dominic, turning 55 with an $8.8M property portfolio and a just-announced redundancy, wants to engineer a specific outcome: $160k a year for the first 15 years and $110k from 70 to 100, inflation-adjusted, while slowly selling down and bridging the gap to super.

Sequencing, structure, and the hold-or-sell discipline throughout, with the usual reminder that these are general discussions, not personal advice.

Read Stuart's latest book? He's only got 19 reviews on Amazon so far, if Wealth by Design helped you, leaving one would mean a lot: https://www.amazon.com.au/review/create-review?asin=192318654X

Run your own business?

Check out Business by Design, Stuart and Mena's show on starting, growing and exiting a business, at https://www.businessbydesignpodcast.com/

Our most popular free guides:

Over the years we've written hundreds of articles. These three bring our best thinking together on the topics that matter most right now: choosing a super fund, debt recycling, and navigating the new tax changes.

Download them here

Got a question for the podcast?

Email us at questions@investopoly.com.au

Subscribe to my weekly blog:

Stay connected here

Important

This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.