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.

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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esg and impact investing

From Returns to Purpose: Why Australian Investors Are Embracing ESG and Impact Investing in 2026

Australian investors are experiencing a fundamental shift in how they think about wealth. Returns still matter, but increasingly, they’re asking a deeper question: what is my money actually doing in the world? Environmental, social, and governance (ESG) investing has emerged from niche positioning to mainstream practice in 2026. According to Betashares, net inflows into sustainable […]
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AI Advice Gap

AI and the Advice Gap: Why 2026 is the Year Wealth Management Goes Digital-First

Australian financial advice is at an inflection point. The industry faces a critical shortage: not enough advisers to meet surging demand. Simultaneously, artificial intelligence has evolved from experimental curiosity to essential infrastructure. The convergence of these forces is reshaping how Australians access financial guidance in 2026. For ambitious professionals and business owners navigating complex financial […]
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