Investopoly Q&A - Securing Your Forever Home and Building Financial Freedom
Nov 10, 2025
In this engaging discussion, listeners explore the dilemma of upgrading to a forever home versus investing elsewhere. With insights on home buying timing and the benefits of early ownership, the conversation covers practical strategies like refinancing and the perils of cross-collateralisation. Post-divorce financial rebuilding is addressed, as well as how to structure investments for early retirement. From evaluating risks in property cycles to optimizing superannuation, this Q&A delivers valuable advice for navigating complex financial choices.
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Buy Forever Home Sooner To Avoid Opportunity Cost
- Delaying your forever-home upgrade increases future after-tax costs and opportunity cost.
- Buying earlier builds equity and removes a non-tax-deductible debt handbrake when you want to invest later.
Use Salary Sacrifice But Diversify Employer Shares
- Salary sacrifice small amounts into employee shares where offered to gain tax efficiency.
- Gradually divest concentrated employer stock and reinvest into diversified ETFs to reduce single-company risk.
Upgrade If You're Committed Long-Term
- If you're sure you'll stay 30+ years in a new area, prioritise buying that forever home now.
- Then shift focus later to super and investing once mortgage and family needs are settled.