debt recycling
Debt Recycling Calculator
Compare paying down your mortgage, direct investing or debt recycling. Discover where best to stick your spare cash for maximum benefit.
Baron Barnet
I'm a personal finance geek who hates to see people ripped-off (especially myself). I created baldmoney.com as a way to share what I've discovered in the world of personal finance.
visual_explainer
Debt Recycling: How much could you benefit?
Want to make your mortgage interest tax-deductible? Here is how the debt recycling strategy works in Australia, straight from the ATO rulebook.
Investing
Don't Get Hung Up on Dividends: Why Total Return is the Real King of Wealth
Dividends feel like free money, but they aren't. Here is why focusing on dividends is a tax trap and why total return (capital growth + dividends) is what really matters.
Investing
Why Percentage-Based Financial Advisor Fees Should Be Banned (And How to Find Flat Fees)
Imagine storing your furniture in a warehouse and they take a chair every month as payment. That is how percentage fees work. Here is why AUM fees are a scam.
CGT
How to Minimise Capital Gains Tax in Australia: The Early Retiree's Guide
When you start living off your assets, every sell order is a potential tax event. Here is how to sequence your sales to minimise Capital Gains Tax in Australia.
Superannuation
The Superannuation "Tax Wipe": How to Legally Delete Your CGT at Retirement
Most Australians pay a hidden "tax drag" inside their super every year. Here is how switching to a direct investment option can legally wipe your CGT at retirement.
Investing
Investing For Your Kids in Australia: The Tax-Smart Guide to Informal Trusts
Setting up a share portfolio for your kids is a brilliant idea, but the ATO has some nasty traps. Here's how to use informal trusts and growth ETFs to invest tax-free.
ETFs
The Ultimate ETF Buyers Checklist (UK): How to Avoid Costly Mistakes
Before you click 'Buy' on your next ETF, make sure you run through this simple checklist. Missing just one of these factors could cost you thousands in UK tax and FX fees.
inheritance tax
Don't Die Owning UK Shares: The UK Inheritance Tax Non-Resident Trap
Living overseas but still holding UK shares? Watch out. The UK inheritance tax rules for non-residents mean your estate could face a surprise 40% tax bill.
Shares
The Vanishing Capital: Why Your New Investment Just Slapped You in the Face
Hit 'Buy' on an international share only to see your balance instantly drop? Discover the hidden FX fees and spreads that are draining your wallet.
investment funds
What is the Index in Index Funds anyway? A Simple Guide
Ever wondered what the "index" in index funds actually means? Here is a simple, jargon-free breakdown of how index funds work and the main market benchmarks.
Superannuation
Cheapest 100% Equity & Growth Super Options in Australia (2025)
Want the lowest fees on your super? I compare the cheapest 100% equity and growth index super options in Australia from Hostplus, AustralianSuper, and Vanguard.