Money Stories

Welcome to “Money Stories” by Obsidian Wealth, your go-to source for practical insights into investing, wealth creation, and personal finance. Our Melbourne based team shares real world knowledge to help you grow and protect your wealth with confidence.

Multi-Generational Wealth

Beyond the Will: How Ambitious Australians Structure Multi-Generational Wealth

70% of families lose their wealth by the second generation. 90% have lost it by the third. These statistics from the Williams Group miss something crucial: they’re based on American families operating under American rules. Australian families have access to structures that simply don’t exist elsewhere: superannuation death benefits flowing tax-free to spouses, testamentary trusts […]
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Pre-Budget Checklist for Property Investors

Pre-Budget Checklist: What Property Investors Should Review Before May

When a Treasurer uses phrases like “difficult but responsible decisions” and “sometimes hard decisions are warranted” in a pre-budget speech, property investors should pay attention. On 24 March 2026, Treasurer Jim Chalmers delivered exactly that message, confirming what the Senate inquiry recommended just weeks earlier: changes to capital gains tax and negative gearing settings are […]
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Intergenerational Tax Debate

The Intergenerational Tax Debate: What Ambitious Professionals Need to Know About CGT and Negative Gearing Changes

Australia’s tax system is facing its most significant generational reckoning in decades. With a Senate inquiry report due March 17 examining the capital gains tax discount and the Treasury reportedly considering substantial reforms to negative gearing, the investment landscape may be on the verge of fundamental change. For ambitious professionals and business owners building wealth […]
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super gender gap

The $60,000 Super Gender Gap: Why Ambitious Couples Need Integrated Wealth Planning

Australian women approaching retirement face a sobering reality: $60,000 less in superannuation than men in the same age bracket. For ambitious couples building wealth, this isn’t just a gender equity issue. It’s a household wealth optimisation problem that most advisers overlook. Recent ATO data reveals the gap peaks between ages 55 and 59, where men […]
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strategic debt for multi property investors

The New DTI Reality: Strategic Debt Structure for Multi-Property Investors

From February 2026, Australian banks can’t lend to you if your total debt exceeds six times your annual income, even if you comfortably pass serviceability tests. For investors holding multiple properties, this isn’t a lending problem. It’s a wealth structure problem. The Australian Prudential Regulation Authority has imposed caps limiting banks to lending a maximum […]
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wealth in uncertain times

Building Wealth Resilience in Uncertain Times: What High-Income Professionals Should Focus on When Geopolitics Dominates Headlines

Oil prices surge 13% overnight. Markets plunge on geopolitical tensions. Reserve Bank flags inflation concerns from the Middle East conflict. Headlines scream uncertainty. For high-income professionals building wealth, the instinct is to act, adjust, and protect. Yet the most consequential financial decisions during uncertain times often involve what you don’t do. As Michele Bullock noted […]
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