You’ve probably heard someone mention a “TTR strategy” but what does it actually mean, and should you be using it? For many Australians, misunderstanding this strategy can lead to missed opportunities… or costly mistakes.

In this episode, Scott and Phil break down Transition to Retirement (TTR) in plain English what it is, how it works, and when it actually makes sense. They also explain how the rules have changed over time and why many people are still working off outdated information.

You’ll learn:
- What a Transition to Retirement (TTR) strategy is and how it works from age 60
- How you can use super to supplement income while reducing work hours
- The rules around accessing super, including the 4%–10% drawdown limits
- When TTR can be used for tax planning, cash flow, or future strategy
- The risks of accessing super too early and reducing your long-term retirement balance

This episode is for Australians aged 55+ who are approaching retirement and want to understand how to use super more effectively. If you’re considering cutting back work, improving cash flow, or planning the next phase of life, this episode will help you make smarter, more informed decisions.

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
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Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Debt recycling is everywhere right now but is it actually a smart way to pay off your mortgage faster, or just another risky strategy being overhyped online? The truth is, it can work incredibly well… but only if you understand the risks and structure it properly.

In this episode, Scott and Phil break down how debt recycling works in plain English, why it’s gaining popularity again, and where it can go wrong. They walk through real examples to show how using home equity to invest can accelerate wealth but also highlight the behavioural risks that can derail the strategy.

You’ll learn:
- What debt recycling actually is and how it converts non-deductible debt into tax-deductible debt
- How using equity in your home can help build an investment portfolio over time
- Why this strategy can reduce your mortgage faster while growing long-term assets
- The real risks, including market volatility and selling at the wrong time
- Why consistency and discipline matter more than trying to time the market

This episode is ideal for Australians who have built equity in their home and are looking for more advanced strategies to grow wealth and reduce debt. If you’re considering debt recycling or want to understand whether it’s right for your situation, this episode will help you approach it with clarity and caution.

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide

Downsizing your home and putting money into super might sound simple but it can come with hidden risks that catch many Australians off guard. From Age Pension impacts to costly moving mistakes, getting it wrong can have long-term consequences.

In this episode, Scott and Phil break down how downsizer contributions really work, when they make sense, and where people commonly go wrong. They explore both the financial and lifestyle trade-offs, showing why this strategy needs careful planning, not just a quick decision.

You’ll learn:
- How downsizer contributions work and who is eligible to contribute up to $300,000 each
- Why selling your home can reduce or eliminate your Age Pension entitlement
- The 90-day rule and timing traps that can invalidate your contribution
- How moving costs, stamp duty, and lifestyle changes can erode expected benefits
- Why testing a new location before downsizing can help avoid costly mistakes

This episode is for Australians aged 55+ considering downsizing or using home equity to boost retirement savings. If you want to avoid expensive errors, protect your income, and make confident decisions about where and how you live in retirement, this episode will help you plan it properly.

About Wealthlab
Wealthlab helps Australians build wealth, grow businesses, and live life on their terms, through smart financial advice, investing strategies, and financial education.

📲 Follow Us:
Instagram: https://www.instagram.com/wealthlabau/
Facebook: https://www.facebook.com/wealthlabAU

Disclaimer:

General advice only. This content doesn’t consider your objectives, financial situation or needs. Consider whether it’s appropriate for you and read our FSG before acting. Past performance is not a reliable indicator of future results. Wealthlabplus Pty Ltd (ABN 29 678 976 424). Wealthlabplus is a Corporate Authorised Representative of MiPlan Advisory Pty Ltd ABN: 70 600 370 438 Australian Financial Services Licensee No: 485478).

General Advice Only: Read out Privacy Policy, Fee's and AFSL accreditations here https://wealthlab.com.au/compliance-policies/financial-services-guide