Episode Details

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Welcome back to the My Accounting Advantage podcast.

In this episode, Mai tackles one of the biggest and most common questions Australians ask when it comes to building wealth: is buying an investment property really for everyone?

Property is often seen as the ultimate milestone — something you’re “meant” to do. But as Mai explains, it’s not always that simple. Whether you’re a PAYG employee, a couple with an existing mortgage, or a business owner, the right answer depends on your income, cash flow, risk appetite, and long‑term goals.

Mai breaks down why Australians are so drawn to property, the realities of negative gearing, and the often‑overlooked costs that can catch investors off guard. She also explains why modelling and professional advice should always come before buying — not after.

The conversation also explores alternative strategies, including investing through a self‑managed super fund, and when that approach may (or may not) make sense.

This episode is a practical, honest discussion designed to help you slow down, ask better questions, and make informed decisions, rather than following the crowd.

In this episode, Mai talks about:

• Why property investing is so ingrained in Australian culture
• Whether stable PAYG income versus business income changes the strategy
• How negative gearing works — and what it doesn’t solve
• The importance of cash flow, not just tax deductions
• Common costs that surprise property investors
• When an investment property may not be the right move
• Why financial modelling is essential before buying
• How self‑managed super funds can be used to invest in property
• Why expert advice and clear goals matter more than market hype

Stay tuned for more weekly episodes where Mai shares practical insights, real conversations, and clear guidance to help you build long‑term wealth with confidence — not just get through tax time.

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Disclaimer

The advice contained in this presentation is general in nature only and should not be acted on without first seeking professional advice.

Your personal circumstances have not been taken into account, and you should consider the appropriateness of the advice to your individual needs.