The Budget without the BS: What the 2026/27 Federal Budget Actually Means for Your Money
About this episode
Melissa Browne provides an unfiltered analysis of the 2026/27 Federal Budget and its implications for personal finance.
Last night's Federal Budget made a splash — but did it go far enough? In this episode, Mel gives you her unfiltered take on the 2026/27 Budget and walks you through exactly what's changing, who's affected, and what (if anything) you actually need to do about it. No political spin. No media clickbait. Just plain-English answers from someone who's spent 25 years in accounting and financial education. In this episode, Mel covers: Her honest take on the Budget — and why she thinks Labor stumbled on the biggest reform opportunity The Working Australians Tax Offset and the lifted $1,000 receipt-free deduction threshold Negative gearing changes for established properties — who's affected, who isn't , and the critical timeline The new build exemption and why Mel has thoughts Capital Gains Tax explained through Maxine's story — a worked example showing how the 50% discount, indexation, and the new minimum 30% tax rule all fit together What happens to pre-1985 assets (this one matters for older investors) The crackdown on discretionary trusts and income splitting Small business wins — including the permanent $20,000 instant asset write-off and loss carry-back rules The NDIS overhaul and…
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