In this Q&A episode, Campbell Wallace answers a wide range of listener questions from first-home buyers to seasoned investors navigating tax and strategic property decisions. John, a rentvestor with a young family, asks whether buying an investment-grade property in Melbourne now, with plans to use the proceeds to reduce PPOR debt in the future, aligns with his flexible, lifestyle-focused goals. Campbell explores how this fits into a broader wealth strategy and the trade-offs involved.Steve seeks clarity on the tax implications of a small-scale development profit, asking whether his return will be taxed as capital gains or income, and how reinvesting or using super contributions might defer or reduce the liability. Campbell outlines the critical details of tax treatment and timing.Namak asks how to handle a delisted ASX stock he sold for a nominal value to crystallise a loss, and whether the cost, fee, or both can be claimed. Thien, a 21-year-old first-home buyer, asks about investment-grade criteria, CGT exemption rules when living with housemates, and tips for young investors planning early financial independence. Campbell closes with insights on structuring property ownership, buffers, and relationship planning. A thoughtful episode for anyone looking to optimise their next financial move.Do you have a question? Email: <a href='mailto:questions@investopoly.com.au'>questions@investopoly.com.au</a> or for a faster response, post a comment on the episode's video over on YouTube: https://www.youtube.com/@investopolypodcast/podcasts If you're interested in working with my team and me, discover how we can work together here: https://prosolution.com.au/prospective-client/ If this episode resonated with you, please leave a rating on your favourite podcast platform. Subscribe to my weekly blog: https://www.prosolution.com.au/stay-connected/ Buy a one of Stuart's books for ONLY $20 including delivery. Use the discount code blog: https://prosolution.com.au/books/ DOWNLOAD our 97-point financial health checklist here: https://prosolution.com.au/download-checklist/ IMPORTANT: This podcast provides general information about finance, taxes, and credit. This means that the content does not consider your specific objectives, financial situation, or needs. It is crucial for you to assess whether the information is suitable for your circumstances before taking any actions based on it. If you find yourself uncertain about the relevance or your specific needs, it is advisable to seek advice from a licensed and trustworthy professional.

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Q&A - Should we buy in Melbourne, development CGT, FHB advice and more

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