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Paying down debt, investing and the property market

With interest rates rising and property prices falling, is it better to pay down your mortgage or keep investing?

In this episode of The Winner’s Playbook, Josh and Billy unpack the trade-offs between paying down debt and investing, including how interest rates, tax deductions, offset accounts and investment returns can influence the decision.

They also discuss debt recycling, why a falling property market could create opportunities for families looking to upgrade their home, and the costs and risks to consider before making a move.

Josh and Billy then compare the S&P 500 and Australian share market over the last 10, 20 and 30 years, exploring why US shares have outperformed recently, the influence of AI and big tech, and why diversification still matters.

To close out, they look at the upcoming Victorian election, including proposed changes to land tax, payroll tax, stamp duty and what the outcome could mean for business owners and property investors.

If you're weighing up whether to invest or reduce debt, considering upgrading your home, or looking to understand where markets could be heading, this episode gives you plenty to think about.

⏱️ Timestamps:

00:00 Intro
01:05 What’s coming up in this episode
03:53 Paying down your mortgage vs investing
09:35 Deductible vs non-deductible debt
15:35 Debt recycling explained
17:01 Upsizing your home in a falling property market
23:55 S&P 500 vs Australian shares
32:22 Victorian election and what it means for businesses

Hit follow, leave a review, and share this episode with someone who wants to make smarter decisions around debt, investing, property and long-term wealth.

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https://www.linkwealth.com.au/josh-lee-link
Get in touch with Billy:
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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.