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

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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.

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Important

This podcast provides general information about finance, tax and credit. It doesn't take into account your specific objectives, financial situation or needs, so you need to assess whether it's relevant to your circumstances before acting on it. If you're not sure, speak to a licensed, trustworthy professional.