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Each episode is packed with concise tips, strategies, research, methodologies, case studies, and ideas to help you safely and effectively grow your wealth. Stuart Wemyss, a qualified financial advisor, accountant, tax agent, and licensed mortgage broker, delivers holistic advice. With four authored books, including "Investopoly" and "Rules of the Lending Game," Stuart shares his insights through a weekly blog, which is replicated on this podcast.
504 Episodes
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Read Full Blog Here Conflicts of interest are everywhere in financial services, but the most influential ones are often the least visible. In this episode, Stuart unpacks the hidden incentives that can quietly shape whether investors are steered toward property, shares, or a particular strategy, even when advice is well-intentioned. He explains why conflicts don’t require dishonesty to matter, how incentives can shape beliefs over time, and why familiarity bias plays a much bigger role in adv...
In this wide-ranging Q&A episode, Stuart tackles some of the most common and confronting questions listeners face as their wealth grows and decisions become less forgiving. A central theme is how to balance aspiration with financial resilience, particularly when large debts, lifestyle upgrades, and long time horizons collide. Stuart explores how to think about net worth in a practical sense, including whether unrealised tax liabilities and transaction costs should be considered, and how t...
Read Full Blog Here In this episode, Stuart takes an evidence-based look at ethical, ESG, and sustainable investing, cutting through the marketing to focus on what really matters: risk, diversification, and expected returns. We explain the critical differences between ethical exclusions, ESG frameworks, and sustainability themes and why confusion between them often leads to poor portfolio decisions. Stuart also explores why there’s no universal definition of “ethical”, how that affects fund c...
This Q&A episode steps away from headline strategies and focuses on the decisions real households wrestle with once life, family, and fatigue start to matter as much as optimisation. We begin with a high-income couple in their 30s trying to balance ambitious early-retirement goals with a mixed portfolio of property, an investment bond, and limited super. Stuart unpacks whether tax-deferred structures like investment bonds genuinely earn their place, how to think about adding more property...
Read Full Blog Here If you’re planning to buy, sell, upgrade, or invest in property in 2026, this episode cuts through the noise and focuses on what actually drives prices. Rather than forecasts or headlines, Stuart unpacks the evidence-based factors that matter most, including lending volumes, borrowing capacity, interest rate expectations, interstate migration, and where each capital city sits in its property cycle. A clear picture is emerging of a two-speed market. More affordable properti...
In this episode, Stuart works through a series of real-world questions that sit right at the intersection of money, lifestyle, and long-term strategy. From couples in their early 50s weighing up a beachside lifestyle purchase versus preserving liquidity for early retirement, to younger families juggling income shocks, property portfolios, and big upcoming capital events, this episode is about decision-making when the stakes are high, and the margin for error is small. He also unpacks a major ...
Read Full Blog Here Most people chase investment tips; few build the engine that powers every strategy: cash flow and debt discipline. In this final Wealth First Principles instalment, we show why your savings rate beats your stock picks in the early years and how small, repeatable improvements compound into big results. You’ll learn a practical two-account banking setup that makes good behaviour automatic, how to measure spending without micromanaging, and why buffers and automation keep pla...
In this power-packed Q&A, Campbell dives into real scenarios many Aussies face, from managing a $50k inheritance for teens inside a trust (ETF compounding vs pooling for a property deposit) to designing a clear 10-year retirement runway for middle-income couples. He unpacks whether to prioritise paying off the home, maxing super, or debt recycling into ETFs; how to balance simplicity with diversification in ETF mixes; and when leverage into property actually helps rather than hurts ...
Read Full Blog Here Shares play a different role than property, and that’s their superpower. In this third Wealth First Principles instalment, we outline a simple, rules-based framework to build a resilient share portfolio that complements property: liquid, globally diversified, tax-aware, and low-cost. The evidence is clear: most active managers and stock-pickers underperform over time. Instead, capture the market return with index funds or diversified ETFs, then let discipline, not predicti...
In this Q&A, Campbell tackles four big themes that trip up otherwise savvy investors: structure, borrowing capacity, super strategies, and sequencing. We start with a couple weighing up whether to extract equity from two Newcastle homes to fund an ~$800k investment purchase before kids. Campbell maps the trade-offs: why structure beats rate-shopping, the role of offsets and interest-only, how to protect borrowing capacity for a future PPOR upgrade, and when a buyer’s agent adds real value...
Read Full Blog Here Most investors rush into property with tactics, not strategy, and pay for it in mistakes that are costly to buy, hold, and unwind. This guide lays out a clear, repeatable framework so you can make property decisions that compound for decades. Start by defining a single objective: long-term growth drives wealth; yield only supports holding costs. Next, build the finance structure first, smart loan splits, offsets, IO vs P&I, no cross-collateralisation, so your cash flow...
Stuart runs a strategy clinic on three big crossroads for investors: small-scale development, rent-vesting vs. holding the home, and using debt-recycling into shares when an investment-grade property is out of reach. He breaks down subdivision options (sell land now, build-and-sell, or build-and-hold), explains why GST applies to an “enterprise,” when the 50% CGT discount disappears, and which ownership structures (discretionary trust with bucket company vs. company) suit repeat projects. He ...
Read Full Blog Here Stuart opens with Wealth First Principles, explaining how real fortunes are built through three key inputs: a durable cash-flow surplus, investment efficiency (quality assets, low costs, smart tax structures, and few behavioral errors), and time (the compounding decade that does most of the work). He separates process from prediction, shows why speculation usually fails, and explains where leverage helps (sensible gearing on high-quality property with buffers) versus where...
In this Q&A, Stuart unpacks two meaty, real-world dilemmas that many high-earning families face. First: should you prioritise concessional super contributions (carry-forward caps, Div 293 awareness, and long-term compounding) or keep capital outside super for flexibility and early semi-retirement? We explore building a liquid “bridge” portfolio, how to structure debt so renovation and investment loans stay deductible, and why borrowing to fund improvements paired with offset cash preserve...
1Read Full Blog Here In this episode, Stuart makes the case for becoming a value-add property investor when budgets are tight. Rather than stretching for a bigger dwelling in a weaker location, he argues for prioritising high land value in an A-grade area and accepting a tired home you can improve. He outlines the highest-ROI upgrades (kitchens, bathrooms, paint, flooring, efficient heating/cooling; and, where sensible, adding a third bedroom), how these boost rent and reduce vacancy, and the ...
In this Q&A episode, Stuart works through a series of nuanced listener questions that all sit at the intersection of tax, structure, and long-term decision making. While the scenarios vary, the common thread is the cost of getting the structure wrong early, and the difficulty of undoing it later. We begin with a Melbourne couple in their 30s navigating a generous but complex proposal from ageing parents: the potential transfer of an investment property that may become a future family home...
Read Full Blog Here In this episode, Stuart pulls apart the perennial “REITs vs direct property” debate and shows why they’re not substitutes but tools for different jobs. He explains how A-REITs work (structures, stapled securities, payout rules, typical 30–40% gearing) and why their liquidity and ~5% income appeal can be offset by equity-like volatility and index concentration (think one or two giants driving returns). He contrasts this with direct residential property: full control, the ab...
In this Q&A episode, Stuart tackles a wide mix of real-world scenarios that highlight a consistent theme: asset quality and long-term strategy matter far more than short-term market noise. We start with a listener holding an underperforming one-bedroom apartment and work through why some assets simply never recover, regardless of broader market conditions. From there, we explore whether trading two good properties for a single premium home makes sense, and why “levelling up” often outperf...
Read Full Blog Here In this episode, Stuart tackles the perennial question: should you fix your mortgage rate—if not now, when? He reframes “normal” using the RBA’s neutral rate (roughly 3–3.5%) and shows why today’s home loan ranges of ~5–6% (P&I) and ~5.5–6.5% (IO) are sustainable. Drawing on three decades of data, he explains why fixing has left borrowers worse off about two-thirds of the time, and why flexibility (offsets, extra repayments, refinancing, equity access) usually beats ch...
In this Q&A, Stuart tackles six real-world dilemmas listeners are wrestling with. He opens with superannuation, weighing Hostplus High Growth vs Indexed High Growth and why fees (0.80% vs 0.04%) and an evidence-based tilt often beat glossy promises. For a Brisbane surgeon in training, he maps a “maximum optionality” plan, prioritising cash buffers, offsets, and low-friction, rules-based ETFs while big life variables (city, role, renovation) settle. He then explores whether to buy an “inve...
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Inheritance tax disadvantages those not sophisticated enough to use structures like trusts or similar structures.
Love the podcast and Stuart's simple but efficient delivery of information. East to digest. 5 stars
Such great and basic info..Thankyou Stuart..