“It’s a non-pain. It’s not a pain med … if you’re on prescription pain meds, that can get addicting … this is a good alternative”

“For non-deductible home loan portion, an offset is generally preferred over relying on a redraw precisely because it avoids any risk of mixing funds”

“We do run an annual investment plan… one-year horizon for risk positioning… five-year horizon… we have a portion of the portfolio that’s in illiquid assets… need the right buffer to avoid forced seller.”

“Raise that price you've been avoiding.”

“Donating appreciated stock… you avoid paying capital gains tax… still get to deduct the full fair market value”