u/ContentImagination72

Hey guys first time dad and baby is really struggling to nap during the day and will now not settle at night. She used to sleep in 2 x 6 hour blocks overnight waking once to feed. Is 17 weeks too early to be looking at sleep schools in Melbourne? Kind of at a loss here..

Good evening

I am preparing to sit the EX200 shortly and am using kodekloud and sander van vugt to prepare. Kodekloud recommends use of cfdisk and completely glosses over any other tooling. My question is will I be shooting myself in the foot by using this utility for the exam or is it tool agnostic?

Hey all,

I’ve recently set up a debt recycling strategy and just completed my first tranche (~$100k) into ETFs (mostly global with a small AU allocation). The investment loan split is clean and the funds were redrawn directly into my brokerage.

My question is around ongoing investing.

If I want to keep investing regularly (e.g. from savings / surplus cash), is it okay to:

• keep buying into the same ETFs in the same brokerage account using my own cash, or
• should I keep debt recycled investments completely separate from any personal cash investments?

I’m trying to avoid:

• contaminating the loan for tax purposes
• making things messy if I ever need to prove deductibility

But at the same time, it feels inefficient to just leave cash sitting in offset if I want to keep building the portfolio.

Would appreciate how others structure this:

• separate brokerage accounts?
• just track it carefully?
• or avoid mixing altogether?

Cheers 👍

Numbers for context:

175k base my income 100k base wife

30k VAS Equity Builder 2k owing

15k vdgh

Mortgage is about to be split 943k > 743k p&i and 200k io (debt recycling component

408k cash pre split

208k cash post split

House is worth 1.179 mil

280k super (high growth Aussuper)

Currently sitting on a fairly large mortgage with most of my capital in my PPOR/offset, plus a smaller exposure to Aussie equities already. Income is strong and stable, but cashflow is somewhat tight for the next couple of years due to fixed commitments.

Looking at deploying ~200k into ETFs via debt recycling. Given I already have indirect exposure to the Australian market (property + some local equities), I’m considering going heavier into global, something like 90% BGBL / 10% A200 instead of a more traditional 70/30 split.

Is it silly to lean that heavily global given my current exposure to Australia, or is that actually the more rational play?