Ep 382: Tax planning for PAYG employee – you need to think differently!

Read Full Blog HereIn this episode, Stuart unpacks why PAYG employees need to approach tax planning differently and why the system is stacked against them. While company owners and investors enjoy structural advantages and deductions, employees often face limited options. Stuart explains why the two main ways for PAYG earners to reduce tax—super contributions and borrowing to invest should be used as part of a long-term wealth strategy, not short-term tax minimisation. He also explores more powerful opportunities: maximising the $2 million Transfer Balance Cap in super, using the main residence CGT exemption strategically, and investing via smart structures like family trusts. The second half of the episode is a Q&A where Stuart responds to listener questions about selling a high-growth property and reallocating to ETFs or super, when to use debt recycling, whether to invest surplus cash into shares or offset accounts, and how to plan for future renovations and cash flow. Whether you’re trying to make smarter tax decisions or wondering where to allocate your next $100K, Stuart’s advice focuses on managing tax across your lifetime, not just this year. If you’re a PAYG earner looking to build wealth more efficiently, this episode is packed with clarity and strategy.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.