Hosted by Australian financial and investment advisers, Dylan Pargiter-Green & Luke Laretive, Wealth & Toil helps Australians navigate the global financial markets, optimise their finances, and strategise to get the most out of their businesses. We'll share some of our client's case studies, investment tips and a few of the lessons we've learned running financial advice and investment management companies.
General Advice Warning: This podcast is intended and contains general information on financial strategies, investments, and products only. Whilst Luke and Dylan are both licenced Financial Advisors, we don’t know your personal circumstances, goals or objectives. We highly recommend that you reach out to your Financial Advisor or investment professional to discuss any of the topics we have covered today before taking action.
Our full disclosure, copies of our financial services guides and additional information about Seneca Financial Solutions and Bold Wealth can be found below:
Hosted on Acast. See acast.com/privacy for more information.
Hosted by Australian financial and investment advisers, Dylan Pargiter-Green & Luke Laretive, Wealth & Toil helps Australians navigate the global financial markets, optimise their finances, and strategise to get the most out of their businesses. We'll share some of our client's case studies, investment tips and a few of the lessons we've learned running financial advice and investment management companies.
General Advice Warning: This podcast is intended and contains general information on financial strategies, investments, and products only. Whilst Luke and Dylan are both licenced Financial Advisors, we don’t know your personal circumstances, goals or objectives. We highly recommend that you reach out to your Financial Advisor or investment professional to discuss any of the topics we have covered today before taking action.
Our full disclosure, copies of our financial services guides and additional information about Seneca Financial Solutions and Bold Wealth can be found below:
Hosted on Acast. See acast.com/privacy for more information.
In this episode of "Wealth and Toil," hosts Luke Laretive and Dylan Pargiter-Green discuss various types of debts, focusing on educational debt and investment and property debt.
Educational debt reforms
- Indexing has shifted from being solely based on inflation to a choice between inflation and wage growth rates, which could potentially lower the annual increase in debt repayment amounts
- The impact of high inflation rates on HECS-HELP debt
- The significant increases in HECS-HELP debt repayment amounts due to an unusually high indexing rate of 7.1% last year
Higher Education Costs
- The costs associated with higher education and the financial burden it creates
- We advocate for governmental policies that encourage further education without imposing prohibitive debt burdens
- Strategies for managing and financing education costs, including the use of education bonds for tax-efficient saving
Investment and Property
- Investment debts, particularly in real estate, and how leverage can amplify returns and risks
- The benefits of owning property and the concept of ‘debt recycling’ to enhance investment portfolios
- The importance of planning for educational expenses and other major financial commitments
- Why you need to consider the long-term implications of debts and investments and to understand and manage the risks associated with leverage
General Advice Warning: This podcast is intended and contains general information on financial strategies, investments, and products only. Whilst Luke and Dylan are both licenced Financial Advisors, we don’t know your personal circumstances, goals or objectives. We highly recommend that you reach out to your Financial Advisor or investment professional to discuss any of the topics we have covered today before taking action.
Our full disclosure, copies of our financial services guides and additional information about Seneca Financial Solutions and Bold Wealth can be found below:
https://senecafs.com.au/
https://www.boldwealth.com.au/
Hosted on Acast. See acast.com/privacy for more information.
