Julie Bullen

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295 appearances 1 recordings 1 series first heard May 2026 last heard 25 May

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 May 2026 with 1.

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Equity Mates Investing Podcast · After the Budget: What Investors Should Do Next with Julie Bullen | Ask An Adviser · 25 May 2026 podcast

It should be complementing the overall strategy, not adding financial stress.

So whilst that number is going to be different for everyone, depending on how much surplus you've got and what kind of expenses you have, you don't want to buy a property if it prevents you from saving money or investing anywhere else and ultimately having to give up the things that you enjoy.

In terms of anything from the budget, nothing that jumps to mind.

Debt recycling is not some magic trick to make money.

It is essentially the process of using your own money to pay down a non-deductible debt.

So most commonly your principal place of residence mortgage, withdrawing it back out as an investment loan.

So you've just restructured the debt that you've already got and then using that money to invest.

Because you're using that money to invest, you now get to claim it as a tax deduction.

For some people who are already actively investing and have capital available, this is a really strong way of just slowly changing the debt structure that you've got and providing you a tax benefit.

Yeah, absolutely.

But there is limits to it and who would you recommend it to?

So assuming someone's on the top marginal tax rate and you've got $10,000 to recycle, it's only going to give you a benefit of about $400 a year.

So would I recommend it?

Probably not.

Maybe if they've already got the money, but I'm not going to recommend they go out of their way to recycle $10,000.

Go the other way, if you've got $100,000, that's the difference of $4,000 a year in tax.

That's pretty significant if you compound that year over year over year.

Yeah, it's one of those things.

You'd only recommend it to someone who has a really good understanding on their cash flow, someone who's confident, regular investing, someone who understands that this money is going to be subjected to a volatile market.

It is a long-term investment.

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