Amy Poching

So practice the behavior kind of thing.

Practice the behavior.

Yeah.

And this is a couple in their 40s.

And so, gosh, this is something that happens a lot.

A lot, a lot.

So people buy a home and then they outgrow the home or decide that they want a new family home and so they turn the old family home into an investment property.

Okay.

And so what happens when they buy the new home is that, okay, so let's say they've got the home that they're living at the moment, call it $500,000.

Yeah.

And then they go and buy a new home and maybe they've got like a

$100,000 mortgage.

Then they go and buy a new home that's $800,000 and they get an $800,000 mortgage on the new home.

And so now they've got their new family home with $800,000 with an $800,000 mortgage and they've got an investment property with $500,000 with a $100,000 mortgage.

They're paying down over quite a rapid, reasonably rapid rate.

Yeah.

And they have this taxable income from the investment property that they're paying tax on.

Correct.

They've got five grand of tax to pay under that scenario.

Under this particular scenario, they have two investment properties and all the debt is loaded against their home with bugger all debt against the investment properties.