Debt optimisation (sometimes referred to as “Debt Recycling”) is a financial strategy which creates wealth over time and improves an individual’s debt structure. Achieved, in the majority of cases by:  Using all surplus income to reduce the home loan (non-tax deductible “bad debt”); Creating or increasing investment debt (tax deductible “good debt”) by drawing against … Continue reading Tax Planning Strategy 3: Debt Optimasation – Pay off your Home Loan sooner, Minimise Bad Debt and Maximize your Tax Deductions for Investments