Wealth Coffee Chats

Jason Whitton
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Looking for a daily update on creating the wealth of your dreams? Do you want property investment explained in a simple language? Do you want to learn it whilst sipping on your coffee? Then you’re in the right place! Join me for a daily coffee and chat about all things wealth. With a strong focus on real estate wealth, you’ll cut through the confusion and overwhelm that stops most people in their investment tracks. For the live edition of the episode, where I can answer your questions live, join me on Facebook

  1. 1D AGO

    Interest-Only vs Principal & Interest: The Strategy That Could Shape Your Portfolio

    Interest-only or principal and interest — which one should you choose, and when does it actually make sense? In this episode of Wealth Coffee Chats, we unpack the real strategy behind structuring your home and investment loans. While principal and interest is typically the smart move for your owner-occupied home (especially to reduce non-deductible debt faster), there are scenarios where interest-only can play a powerful strategic role — particularly during your acquisition phase or when planning to convert a PPR into an investment property. But lending policies have changed. Banks no longer assess interest-only loans the way they used to, and that shift can significantly impact your borrowing capacity. From shortened assessment terms to full reapplications when interest-only periods expire, today’s lending environment requires far more strategy and forward planning than before. In this episode, we cover: Why principal and interest is usually ideal for your PPRWhen interest-only can make sense as part of a long-term planHow converting a home into an investment property affects deductible debtThe impact of updated bank servicing rules on borrowing powerWhy a five-year interest-only term could reduce your assessed capacity How lender policy differences can dramatically change your borrowing outcome The role of PAYG variations in improving cash flow Why loan structuring is never “set and forget” If you’re building a portfolio, upgrading your home, or planning your next acquisition, this episode will help you understand how loan structure decisions today can affect your borrowing power tomorrow. Strategy matters — and the right structure can make all the difference.

    10 min

  2. 2D AGO

    Division 296 Explained: The Super Tax Change That Could Cost You More Than You Think

    On this episode of Wealth Coffee Chats, we break down Division 296 - the proposed superannuation tax reform that could significantly impact high-balance super funds from 1 July 2026. While a $3 million super balance may sound like a distant milestone, long-term growth, inflation, property gains, and inheritances could push more Australians into this bracket than they realise. With tax rates potentially increasing from 15% to 30% for balances between $3–10 million - and up to 40% beyond that - this is not just a high-net-worth issue. It’s a long-term planning issue. But beyond the headline tax rates, there’s a lesser-known implication that deserves attention: how Division 296 may affect death benefits from 2027 onwards. Executors could find themselves responsible for calculating and paying additional tax on super fund income earned before a member’s passing - even after the account is closed. In this episode, we cover: What Division 296 is and when it takes effectThe new tax thresholds for super balances above $3 millionWhy long-term growth and inheritances could bring more people into scopeWhat changed regarding unrealised gains taxationHow death benefit taxation may work from 1 July 2027Why estate planning and structuring conversations are now criticalWhat steps to consider before the new financial year begins If you’re building wealth through super, planning retirement, or expecting significant asset growth in the future, this is an important update to understand now - not later. As always, this episode is educational in nature. Speak to your financial adviser, accountant, and solicitor to ensure your strategy aligns with your personal circumstances.

    17 min

  3. 4D AGO

    The New AML Laws That Will Change How You Invest, Transact, and Build Wealth

    In this Tax Tuesday episode of Wealth Coffee Chats, we unpack one of the most significant-and least talked about-regulatory changes Australia has seen in over 20 years. The AML/CTF Tranche Two reforms are here, and they will fundamentally change how property investors, business owners, and high-net-worth individuals interact with their professional teams. From real estate agents and accountants to buyers’ agents, developers, and crypto platforms, the government is expanding mandatory reporting obligations far beyond banks and financial advisers. Many of the professionals you trust are now legally required to report transactions, behaviours, and structures that raise red flags-without ever telling you they’ve done it. This episode breaks down what these reforms are, why they’re being introduced, when they take effect, and how they could impact everything from property purchases and trust structures to offshore transfers and crypto transactions. If you work with a “six-star team” or move money across borders, this is essential listening. In this episode, we cover: What the AML/CTF Tranche Two reforms actually are and why they existWhich professionals are now mandatory government reportersWhen the new obligations begin and how the rollout will happenWhat types of transactions must now be reported, including property, trusts, crypto, and offshore transfersWhy accountants, real estate professionals, and advisers can’t warn you if a report is filedHow complex ownership structures and high-value transactions will face greater scrutinyThe penalties professionals face for non-compliance-and why they’ll ask more questions What investors should do now to stay compliant and protect themselves. These reforms mark a major shift in government oversight and financial transparency in Australia. Whether you’re actively investing or planning your next move, understanding these changes now can help you avoid surprises later. Stay informed, keep everything above board, and make sure you know why your advisers are suddenly asking more questions.

    16 min

  4. 5D AGO

    Why Education Is the Ultimate Advantage in Property Investing

    In this Monday edition of Wealth Coffee Chats, we dive into one of the most overlooked-but most powerful-tools in property investing: education. Fresh off a Brisbane town planning bus tour with Sam Saggers, this episode explores why even seasoned investors keep coming back to learn more, and how staying educated builds confidence in an ever-changing market. From first-time investors to clients who’ve been investing for over 15 years, this conversation highlights why seeing opportunities in real life, asking questions, and learning alongside like-minded people can completely change the way you invest. Cities evolve, strategies shift, and opportunities look very different today than they did a decade ago-making ongoing education more important than ever. We also talk openly about the fear and buyer’s remorse that can show up before every purchase (yes, even for experienced investors), and how education helps calm those nerves and support better decision-making. Whether you learn best online, in person, or by being out on the ground, this episode explains why investing time in learning is really an investment in your future confidence and outcomes. In this episode, we cover: Why experienced investors still attend bus tours year after year How seeing properties in person changes your understanding of opportunity The role education plays in overcoming fear and buyer’s remorse Why there is no such thing as a “perfect” property-only trade-offs The value of learning directly from experts like Sam Saggers How different learning styles impact investor confidence Why property education must evolve as markets and cities change Upcoming live events, bus tours, and opportunities to get involved If you’ve ever felt unsure, hesitant, or overwhelmed when making property decisions, this episode is a reminder that clarity comes from learning-and that the right education can be a true game changer.

    12 min

  5. FEB 6

    Interest rate rises: What does it mean for you?

    It’s been a big week in the finance world, with the Reserve Bank of Australia announcing a 0.25% interest rate rise after two years of stability. In this Friday edition of Wealth Coffee Chats, Sarah Schoen from Positive Money breaks down the rate rise in real, dollar terms and explains what it actually means for everyday households. Rather than focusing on headlines or fear, this episode puts the numbers into perspective—showing how a rate increase impacts a typical mortgage and why it may not be as alarming as it first sounds. Sarah also shares her outlook on where interest rates may head over the next 12 months and why 2026 is shaping up to be a relatively quiet year compared to the volatility of 2022. You’ll also learn practical strategies to help manage higher repayments, including how to use offsets effectively, when fixed rates may be worth considering, and why speaking to your bank or broker can make an immediate difference. If you’re feeling uneasy about rising rates or simply want clarity and confidence around your mortgage strategy, this episode will help you reset, refocus, and move forward with a plan.

    13 min

  6. FEB 5

    AMLCTF Tranche 2! What is that and do I have to worry

    In this episode of Wealth Coffee Chats, we break down the Reserve Bank of Australia’s latest 25 basis point interest rate hike and what’s really driving the decision. With inflation sitting stubbornly above target and unemployment trending lower, the RBA has made it clear that further rate rises are firmly on the table in 2026. We unpack the key signals from the RBA statement, why household spending and housing markets are back in focus, and how global factors are quietly influencing local decisions. Most importantly, we explore what this rate rise means for everyday Australians—homeowners, buyers, investors, and savers—and how different asset classes like property, shares, bonds, gold, and crypto may respond. If you want to understand what’s happening, why it matters, and how to prepare your strategy moving forward, this episode is a must-listen.

    17 min

  7. FEB 3

    Car Tax Deductions What the ATO Will and Won’t Let You Claim

    Car deductions are one of the most overclaimed—and most audited—tax items in Australia, and in this Tax Tuesday Wealth Coffee Chat, Daniel McPherson pulls the handbrake on the myths that keep landing people in trouble. From logbooks that don’t survive audits to the truth about utes, payload limits, and fringe benefits tax, this episode breaks down exactly what the ATO allows and where people go wrong. You’ll hear real case studies of claims that cost thousands, learn the difference between the cents-per-kilometre and logbook methods, and understand why tolls, fuel records, and calendars are now being matched automatically. Whether you’re an employee, a tradie, or a business owner buying vehicles through your company, this episode shows how to claim what you’re entitled to—without guessing, copying your mate, or ending up in the taxman’s firing line.

    16 min

  8. FEB 2

    Why Brisbane Looks Unstoppable The Six Forces Shaping Property Wealth in 2026

    What truly drives property markets—and why does one Australian city look almost unstoppable right now? In this Wealth Coffee Chat, we kick off 2026 by unpacking the real forces behind long-term property growth, from interest rates and politics to supply shortages, jobs, infrastructure, and the powerful role of demographics. Joined by Jeff Braley from McCrindle Research, the conversation dives into why Southeast Queensland is surging, how the Olympic effect is reshaping Brisbane and its sister cities, and what population growth forecasts mean for investors over the next 25 years. You’ll also hear insights on migration trends, shrinking household sizes, the massive generational wealth transfer underway, and why data—not opinions—should guide your investment decisions. If you want clarity, context, and confidence heading into the next phase of the property cycle, this episode sets the foundation for smarter investing in 2026 and beyond.

    21 min
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About

Looking for a daily update on creating the wealth of your dreams? Do you want property investment explained in a simple language? Do you want to learn it whilst sipping on your coffee? Then you’re in the right place! Join me for a daily coffee and chat about all things wealth. With a strong focus on real estate wealth, you’ll cut through the confusion and overwhelm that stops most people in their investment tracks. For the live edition of the episode, where I can answer your questions live, join me on Facebook

Information

  • Creator
    Jason Whitton
  • Years Active
    2020 - 2026
  • Episodes
    979
  • Rating
    Clean
  • Copyright
    © Jason Whitton
  • Show Website
    Wealth Coffee Chats

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