Debt recycling can work brilliantly in Australia. Until you get on a plane. The moment you become a non‑resident, the tax benefits often vanish. Suddenly your investment loan becomes more expensive after tax. You’re taking on leverage without the tax benefits. And when you’re living overseas, that can squeeze your cash flow fast. Can it still work? Yes, but you need to crunch your numbers differently. Your investment time horizon needs to align. Most expats don’t realise the rules change the mom
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