Q&A- Debt recycling, the six-year rule, and exiting your financial planner

Q&A- Debt recycling, the six-year rule, and exiting your financial planner

July 6, 2026 · 34 min

About this episode

In this mailbag episode, the hosts answer listener questions about debt recycling, super contributions, and capital gains.

Pre-order Wealth by Design Here In this mailbag episode, we tackle five listener questions spanning some of the trickiest decisions in personal finance. A Brisbane couple in their mid-forties, with strong super balances and a plan to knock down and rebuild, ask whether to ease off super contributions to kill debt faster or keep compounding inside the lower-tax environment and whether debt recycling is their smartest long-term play. We unpack a thorny capital gains question on the six-year abs...

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