Julie Bullen

speaker

206 appearances 1 recordings 1 series first heard Jul 2026 last heard 6 Jul

Julie Bullen’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.

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So they're not two separate goals.

And I think this is one of the really big problems with the way that the superannuation is not taught to everyday Australians.

We're taught super is for retirement.

Personal investing is for wealth.

So if I want to be wealthy and I want to retire early and I want to be free, well, then I have to do it in my own name.

Don't prioritise super.

Where in actual fact, they're just two separate buckets that are working alongside each other to achieve the same goal.

Sure, if you want to stop working before preservation age, you absolutely need to have money in a bucket that you can access.

But if you're not planning to spend all million dollars of it in five years time, why not put a portion into the tax effective environment?

Then you only need money to last you five years.

And then that second bucket of money is going to kick in to start, you know, preparing you for the next 10, 20, 30, 40 years.

There's always going to be the chance that the government can make changes to different structures.

If I want to mention what Matt's talked about, there's already been changes that have been mentioned outside super, so the capital gain difference.

We cannot make our financial decisions today on the assumption that something's going to change in the future.

If you want to make the most of the money you have available, we need to do it within the rounds of what's available now that's best.

If they were to change the preservation age...

It's not the ideal if you kind of built your strategy around it, but they're going to give you time.

You're going to be able to kind of make some tweaks to the strategy that you've got.

Maybe you stop investing towards super in a few years time once you've got your balance to a certain point.

But right now you've got an opportunity that the government says, hey, we're going to let you pay less in tax.

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