Capital growth vs cashflow

Will admit more recently I have been leaning more towards capital growth rather than cashflow, especially when earlier in investing journey/accumulation phase. One reason being, if working, any additional income will be taxed at your marginal tax rate, and for many doctors that's the highest tax bracket 47%.

May make more sense in retirement to have focus on cashflow.

Of course, cashflow management is still important- do not want too negatively geared properties to the point that you can't hold them.

In this episode with BA Richard, we discuss some cashflow strategies- granny flat, duplex, unit blocks, NDIS, rooming homes.
Also, we talk about some common sayings "Cashflow keeps you in the game but capital growth gets you out of the rat race"

Music Credit: Bass Nation.
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