Debt and Retirement: What Every Aussie Needs to Know

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About this episode

In this Australian Retirement Podcast episode, James O’Reilly sits down with Chris Bates, co-host of the Australian Property Podcast and strategic mortgage broker, to discuss how debt plays a role in retirement planning.

They explore:

– What makes debt “good” or “bad” as you approach retirement
– When to pay down your mortgage vs boost your super
– Using equity smartly to build retirement wealth
– Common pitfalls with property in SMSFs
– How retirees can use debt to stay flexible and avoid panic selling
– What makes a great mortgage broker and how to keep banks honest

If you’re heading toward retirement or just want smarter debt strategies, this one’s for you.

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Topics Covered
– Understanding Good vs Bad Debt in Pre-Retirement
– When Investment Property Debt is a Mistake
– Downsizing Decisions: Beware of Upgrading Instead
– Debt as a Lever to Boost Retirement Outcomes
– How to Structure Loans Pre-Retirement
– When Retirees Should Hold (Not Pay Off) Debt
– Property in SMSFs: The Hidden Risks
– Super vs Mortgage: Where Should Extra Money Go?
– Avoiding the Loyalty Tax from Lenders
– How to Choose a Mortgage Broker That Works For You

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