Ep 338: What to do with your surplus cashflow in 2025?

New Report: The Evidence-Based Approach to Investing in Property & Shares: download here.Read full blog here.In this episode, Campbell tackles a common yet complex financial question: should you use your surplus cash flow to pay down debt or invest for the future? Starting with the goal of owning your home outright by retirement, Campbell explains why that’s a sensible priority. He then explores the less straightforward decision of managing tax-deductible debt tied to an income-producing asset, such as an investment property.By examining realistic scenarios, Campbell reveals how strategies like paying off debt, investing in shares or utilising tax-effective super contributions each impact your long-term position. He highlights the potential benefits of maintaining leverage for tax savings, demonstrates the power of compounding returns from growth assets, and discusses the importance of having a balanced mix of property and shares. Throughout, Campbell stresses the value of cash flow forecasting—ensuring your property and investments align with your retirement plans and liquidity needs.Whether you’re looking to maximise your financial efficiency, build a robust investment portfolio, or simply gain clarity on your best next move, this episode offers practical insights. Campbell’s guidance helps listeners navigate the trade-offs of debt reduction versus investment growth and chart a confident path toward a financially secure retirement.My new book is available for pre-order now: Pre-ordering the book will help me get it into bookstores. So please do me a favour - please consider pre-ordering now - links and pre-order bonus are available here: https://prosolution.com.au/book-preorder-bonus Do you have a question for the podcast? Email us at [email protected]. If you're interested in working with our team and me, discover how we can work together here: https://prosolution.com.au/family-office-servicesIf this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://prosolution.com.au/stay-connected IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.