Is Free Cash Flow Guaranteed Tax-Free?

Using the free cash flow you generate to reduce your debt or at least pop it in an offset account, is a guaranteed return. I look with great envy on an older generation who are living rent-free or mortgage-free because all of a sudden the income required to sustain a pretty decent standard of living is actually not that much. For a lot of people, depending on the demographic and the rest of it, mortgages are by far and away the largest expense. Minimizing, doing everything you can to minimize that expense and reduce any sort of risk that you might have is, I think, actually a pretty sensible thing. And then you'll find yourself one day where the gearing is so