Buying Property with Super, What You Need to Know

Unknown · 00:00- Can you buy property using your Self-Managed Super Fund?** ➝ *Jason introduces the topic and asks Nick and Marty for their thoughts.* 2.

Unknown · 00:46- Why are more people setting up Self-Managed Super Funds now?** ➝ *Nick explains the renewed interest in Self-Managed Super Funds and why it’s trending again.* 3.

Unknown · 01:24- Why have major banks pulled out of Self-Managed Super Fund lending?** ➝ *Marty talks about why big banks stopped funding Self-Managed Super Funds and alternative lending options.* 4.

Unknown · 02:00- What are the benefits of owning property in a Self-Managed Super Fund vs. personally?** ➝ *Jason explains how business owners can rent their premises from their Self-Managed Super Fund.* 5.

Unknown · 03:08- What is a Self-Managed Super Fund, and how is it different from a normal super fund?** ➝ *Nick defines Self-Managed Super Funds and explains why people set them up.* 6.

Unknown · 05:50- Should you buy a commercial property in a Self-Managed Super Fund or in your own name?** ➝ *Marty and Nick discuss the strategic differences between holding property inside vs. outside of a Self-Managed Super Fund.* 7.

Unknown · 09:51- How much do you need in super to start a Self-Managed Super Fund and buy property?** ➝ *Jason asks Nick about the minimum recommended balance for setting up a Self-Managed Super Fund.* 8.

Unknown · 11:29- What are the rules around renting your own business premises from your Self-Managed Super Fund?** ➝ *Jason explains the compliance requirements, including market rent assessments.* 9.

Unknown · 14:43- What improvements can you make to a property inside a Self-Managed Super Fund?** ➝ *Jason details what maintenance and improvements are allowed (and what isn’t).* 10.

Unknown · 16:48- What happens if you sell a property in your Self-Managed Super Fund?** ➝ *Jason breaks down the tax implications, including capital gains tax benefits.* 11.

Unknown · 19:47- Can you keep a Self-Managed Super Fund if you move overseas?** ➝ *Marty asks about the implications of leaving Australia while owning property in a Self-Managed Super Fund.* 12.

Unknown · 21:25- Is it harder to get a loan for a Self-Managed Super Fund property purchase?** ➝ *Marty explains how Self-Managed Super Fund loans work and the approval process.* 13.

Unknown · 23:00- Why do some lenders charge higher rates for Self-Managed Super Fund loans?** ➝ *Marty discusses interest rates and how to get the best deal.* 14.

Unknown · 24:19- Who should (and shouldn’t) set up a Self-Managed Super Fund?** ➝ *Jason gives a final summary on who Self-Managed Super Funds are best suited for.* 15.

Unknown · 24:37- How do you ensure a Self-Managed Super Fund stays compliant with regulations?** ➝ *Jason and Nick stress the importance of accountants, financial planners, and auditors.* # TNG_Ep 220

Jason · 00:00Welcome to episode 220 of The Numbers Game. I'm Jase. I'm here with Nick and Marty. And today, off the back of a couple of great episodes around commercial property and all things retirement and passive income, I want to talk to you about how you can buy a property with your super fund. Nick, Marty, what do you reckon?

Jason · 00:16Good strategy? You guys hearing a bit about this at the moment?

Nick · 00:19Yeah, more than ever lately. Um, it feels like there was a wave a few years ago, uh, that wave stopped but it's back, uh, both from a lending point of view and a financial planning point of view. Lending obviously people leveraging to buy, uh, but a lot of requests, uh, from good people like yourself, Jase, for assistance to set up.

Nick · 00:40Self managed super funds, um, and I'd say the last 12 months, it's really spiked. Marty, what do you think?

Marty · 00:46Yeah, exactly right, Nick. I think there's just an appetite for better vehicles to purchase property in. And, uh, people just see property obviously as a great vehicle to make money in the long term. And,

Marty · 01:00uh, yeah, I think people want control.

Marty · 01:02They want the tax benefits, and they're exploring, they're talking to their accountants a lot more about it up front. And you're seeing it even in self managed super funds, just with shares as well, people wanting to control the assets. So that's, uh, it's definitely an upward trend. And the major, interestingly enough, I don't know whether it's compliance or regulation or whatever, but the major banks sort of pulled out.

Marty · 01:24of funding, uh, funding a lot of the self managed super funds, but there's other organizations out there that will do it. And the only ones like most accountants can't understand why the banks have pulled out of it, but, uh, yeah, there's lots of other alternatives and it's a relevant space. Well,

Jason · 01:42Marty, I'm glad we've got you on this show because there will be a few times I'm going to throw to you guys to unpack a bit of this and the lending one is definitely a bit of a curveball around it, but we'll get to that.

Jason · 01:52So the other one here that I want to touch on as well, um, which is a big one at Future Advisory and for a lot of our clients is also how you can

Jason · 02:00rent your own. premises to yourself. Um, so, you know, you might think that, you know, you're, you're renting an office or you're renting a commercial facility, like a factory or warehouse, and you're paying someone else.

Jason · 02:10We've talked about it last episode, like how good the commercial yield is and how much money, you know, someone who owns a commercial property can make. So if you've rented a commercial building and you're a business owner, there is also a way that you can then use 1. 5 million. Um, factory or property last episode, but needing a 30 percent deposit.

Jason · 02:31And some listeners might've been sitting there going, well, geez, how am I going to come up with 30 percent to buy my first commercial property? This is then also where you may have enough money between yourself and your partner to be able to roll that into a self managed super fund. And all of a sudden there's your 30 percent deposit on that commercial property.

Jason · 02:48Um, they're still roughly the LVRs that we need to know, Marty and Nick.

Marty · 02:53Yeah, around that 70%, lender sort of stretch to 80, but they're generally the best pricings around the 70,

Marty · 03:00Mark.

Jason · 03:00Yeah. Awesome. Well, Nick, I think, uh, given your financial planning background, I might get you to give me a bit of a run through around, you know, what is a self managed super fund?

Jason · 03:08How does that differ to a normal super fund? And, yeah, then I can go into a bit of what it's like to set it up.

Nick · 03:14Firstly, I don't like the word self managed, I think it's the wrong, um, I say self managed superfund as a vehicle, um, to access asset classes that you couldn't access through a normal superfund.

Nick · 03:32So, Obviously, it was intended for self managed, but where we've seen things go is, okay, I want a self managed super fund because I want to buy a property. I can't do that through Australian Super, uh, I can't do that through, um, Vic Super or Seabus. It's, for most people, it's not, I want a self managed super fund because I want to manage my own money.

Nick · 03:54The reality is that most people don't have the skill set to manage their own money and they'll put their hand up and

Nick · 04:00they'll admit that. So a, a self managed super fund, um, allows you to buy assets such as properties, probably the main one, both residential and commercial, some other cool things in there, like around artwork and collectibles, I would think, Jase, that you can also buy.

Nick · 04:15Cryptocurrency. Cryptocurrency. So you, you've just got access to do things that something like a, an Australian super or colonial first state won't let you do. A normal super fund like that. You're generally, um, um, stuck with, uh, ETFs or managed funds or, or shares and that particular provider, such as a Colonial First State or a Macquarie or a CBUS will manage that money and give you a return.

Nick · 04:41For most people, that's a really good, that's a really good, um, solution to super. If you do want to buy a property, you need to go down the self managed path because obviously CBUSS won't go out and negotiate, keep talking about non awarding Marty, CBUSS won't go out and negotiate a purchase in non

Nick · 05:00awarding for you.

Nick · 05:01So if you do go down that path, the self managed super fund path. There's a lot of regulation that needs to be, um, uh, adhered to, that it's a lot harder for the ATO to be across the regulation of a self managed fund than it is to say to someone like CBUSS, you need to tick this box, this box, this box. So when you have a self managed super fund, you need to get an accountant involved.

Nick · 05:25You generally need to get a financial planner involved, uh, to make sure that you understand why you're doing it, the pros and cons of doing it, and ultimately, is it the best, uh, solution for you based on your goals and objectives. So I didn't really explain what one is, but I guess what I did is explain why people are setting them up versus going to a normal fund, which I probably think is more, uh, more of an appropriate answer.

Marty · 05:50I've always wondered. I suppose it comes down to your goals, you know, at the end of the day, but I'm thinking, what about keeping.

Marty · 06:00a dynamic asset outside of super if you're buying your own commercial property as opposed to putting it in super because again when it's outside of super you could probably leverage that property to buy other assets whereas when you put it strategically in super.

Marty · 06:16Um, you've got the tax benefits available to you for the longer term. Um, is it just an individual basis, Nick, from what you see, depending on the goal of the client as to what you would do?

Nick · 06:28You've, you've nailed it because if your, if your strategy is to continue to grow a portfolio and leverage, use that equity to buy more, then you cannot do that in a super fund.

Nick · 06:37You can pay it down. That's about it. Um, but if you. If your strategy is buy and hold for retirement and I don't want to buy anymore within, you know, by using that equity, then for me, it's super every day of the week because it's 15 percent tax. It's tax free when you, uh, reach, um, retirement or preservation age, um, or, and then second to that,

Nick · 07:00um, you've got access to deposits inside of super.

Nick · 07:04A lot of the times, the cash flow is easier because you've got your superannuation contributions going in there to fund it. Um, the other thing I will say just on, um, self managed super funds, just to finish off the question you asked, Chase, is again, the reason I like the word self managed is because a lot of people that have self managed super funds actually have financial planners managing that for them.

Nick · 07:25Again, it's the, quite often we'll have clients come to us that will say, I need a self managed super fund because I want to buy a commercial or residential property. That's great. But what about the excess cash that's going to be left? How are you going to invest that? Well, I need help. So a lot of the times we'll have clients that we're managing their self managed super fund for them where they'll have a property over here, but we're managing the liquid assets, which, you know, could be shares or an ETF.

Nick · 07:50We're also managing the overall strategy. So is your strategy to pay that property off? You want to pay it off by retirement age and you want to have this many,

Nick · 08:00this much liquidity in there. Who's monitoring that? So. Again, getting away from that self managed, um, word, cause I really don't like it. In most cases, they're not self managed.

Jason · 08:09No, I think, I think it's a really good one to hit off for those that have, you know, landed here and thought, yep, I want a self managed super fund. I want to be able to buy a property. It's then getting into the, that detailed stuff. So, you know, you've got a couple of thousand dollars to set it up, depending on if you need a bear trust or not without going into too much boring detail, but a bear trust is an extra setup cost if you are going to borrow from a bank to buy a property.

Jason · 08:29Um, so, you know, you're probably looking at. Anywhere between three and 5, 000 to actually form a self managed super fund. Then you also need a statement of advice from a licensed financial planner. So you look at another couple of thousand dollars, then every year you got to pay the accounting fees and the audit fees.

Jason · 08:44So while it is a self managed super fund, as Nick's touched on, there's a lot of external parties that are involved along the way of making sure that your self managed super fund stays compliant. Um, so, you know. We bring all this stuff up front that, you know, if you are thinking about it, you've got

Jason · 09:00to then go into the research and look into how, when, where, why, and what am I going to have to do when I do set it up.

Jason · 09:06Um, but obviously like everything, you know, as long as it forms part of your strategy, if part of your strategy is, I don't want to give 60, 000 to my landlord anymore and I want to own a commercial property in my super fund. Great. And it might not just be about buying a commercial property in your super fund.

Jason · 09:20It may be also other residential property. Um, you may not have residential property in your own name and you want to diversify by having some in your super fund as well. Um, they're the kind of things that obviously the meeting with a financial planner can help you unpack. Um, but it does just allow. You know, that money that you've accumulated over time in your super fund, you know, if you are sitting on a, you know, actually Nick, I might throw to you one more time and we'll get Marty involved shortly, but you know, there's always been a bit of a guide about what's the minimum you should have in super before you even consider a self managed super fund.

Jason · 09:51Do you have any kind of thought or opinion there?

Nick · 09:54Uh, yeah, I do re in recent times it was, um, then this is guidance from the a TO. It

Nick · 10:00was, it was up around 500 K and that is still very much, uh, you have, you talk, you know, the old school, I'll say old school. Um, belief is that 500 K works. But that's purely on a cost benefit, so when you're looking at, do you pay, um, someone to manage your shares versus, um, you know, you could probably get a cheaper option if you didn't have a fund manager in there.

Nick · 10:25So, but again, most people don't have the ability to do that. Um, If we look at why people are opening self managed super funds, in my opinion, 99 percent of the time it's to buy an investment property, I'd say 250K. 250K will get you into a 700K investment. This is not advice, but the question people ask is how much do I need to buy a property?

Nick · 10:49So the answer to that is around 250.

Jason · 10:53Yep.

Nick · 10:54Um, now that's still not going to be ideal because that means you're going to have all your eggs in one basket, which is the investment

Nick · 11:00property. You're not going to have much liquidity and you need liquidity. So if I'm putting on my financial planner hat, I'm saying 500k makes sense.

Nick · 11:08If I'm putting on, um, the client's hat and it's how much do I need to buy a 700k property, I'm going to say, well, you've 250, we'll get you there.

Marty · 11:16Chase, if you're buying a commercial property to operate your business out of, in regards Rent you technically pay yourself. Is there any, what, what are the regulations around?

Marty · 11:29Does that have to be like a standard rack, right? Can you, can you pay more into that property because you're making money through the business? What sort of the criteria around that just to sort of give the audience some parameters.

Jason · 11:43All very tightly managed and ran. So you need to make sure that it's a arm's length commercial market rate.

Jason · 11:49So you need to go to, um, a real estate agent and get an appraisal on the property. Um, if you are paying well and truly above market rate, obviously that would seem like a pretty fun

Jason · 12:00shifty way to get some extra money into your super fund, get it taxed at 15 cents to the dollar happy days. Um, but yeah, this is the whole reason there's auditors involved and, you know, a process with accountants doing your financials and then an auditor going through it.

Jason · 12:12And like when an audit, this is an auditor's job to make sure that the fund is compliant. And one of those things will be making sure that market rent is paid. Um, you know, we've had clients that have bought a residential property before and then tried to use it themselves when it wasn't, you know, being rented out on like a Airbnb or a.

Jason · 12:30being managed by a property manager. And, you know, it's a big no, no, it's called the sole purpose test. Um, and the sole purpose of your self managed super fund is to provide retirement benefits. The members of that fund can not get any benefit from that themselves, where then that is confusing with, well, then how can, you know, the business owner rent their own factory back to themselves?

Jason · 12:51It's generally arm's length because of the company, the business owner is running. So it's the company renting. The, the commercial premises and that company

Jason · 13:00has an arm's length agreement to be paying the rent to the self managed super fund.

Nick · 13:04That's a really good point. I just want to jump in there because it's a really important factor with self managed super funds.

Nick · 13:11The government loses control versus, you know, I keep referring to a CBUS or an Australian super for example, there's real tight controls there over what is done with that. Asset all those investments. And the, um, the, the ultimate goal of that fund is to fund someone's retirement. So your example there is great because if you, if you go buy a holiday house with that and you want to, it's not Airbnb and you're renting it out, you're using that money or using your super money.

Nick · 13:43Um, to provide a holiday, hypothetically, versus if you're, if you're running your business out of it, your business is still paying a market rent, again, must be market because it's got to be the goal is to do the best for the fund. Your business is paying a

Nick · 14:00market rent into that fund just as any other business would or just as your business would pay to another landlord if they went and rented someone else's property.

Nick · 14:07So I think the ultimate goal is to provide. Uh, for your retirement and there is significant restrictions around making sure that that happens versus using it for. Um, benefits such as a holiday house which isn't funding your retirement or aren't contributing towards your retirement.

Marty · 14:28Chase, what about improvements to a commercial property and residential property, like what's allowed in regards to maintenance as opposed to can it be developed for growth, um, these are all questions no doubt, um, people would be thinking about.

Jason · 14:43Nah, very, very good question. So yeah, your basic repairs and maintenance and upkeep of the property, all fine. That's no issue. Property improvements to the point where you're, you know, renovating and paying outside of the superfund environment to renovate, change the nature of the property,

Jason · 15:00add an extra property to the back of let's say a residential property you bought, there's room for Subdividing and developing all absolute no nos.

Jason · 15:07You, you can't, you can't do it in the self managed super fund environment, which again, this all comes down to making sure you've developed your strategy and thought this out properly. And again, talking to your advisors, whether it be your accountant, your financial planner, there's only so much accountants can, um, comments on when it comes to investment strategy and financial advice.

Jason · 15:26And hence, you know, why we work so closely together, cause it's great to have. Everyone's involvement from a tax consideration and the financial planning and advisory side as well as Marty, you know What you and the team bring with um the ability to get the brokerage sorted and get the finance done on a property So thank

Marty · 15:41you for that answer mate because like a lot of people get confused with that.

Marty · 15:45Sometimes it's very uh Yeah, people just jump into it without thinking through the whole strategy piece and they'd want to do these fancy things I'm in developing the property and it causes, uh, causes some great conflict, obviously.

Jason · 15:58There's all these different things to

Jason · 16:00think about if you do end up having great capital growth On this asset inside the super fund.

Jason · 16:04Now, obviously a lot of the people, a lot of people will get into this for passive income. They're paying the 60, 000 they were paying to the landlord. Now they're paying it to their own self managed super fund. They've also then got their own wage. We'll be getting super contributions as well. So if you're a husband and wife, um, that's gone and bought this property, but you're both still working salary jobs.

Jason · 16:23your contributions on top of the rent are also going into your super. You're paying down the debt on the loan that you've got to own this property and all of a sudden what should be happening is you're building your retirement wealth. If at some point in time you do need to sell the commercial property due to, you know, sometimes there's liquidity issues, um, you know, sometimes maybe, maybe you've got another investment opportunity you want to sell the property because you're no longer running the business, you've sold it.

Jason · 16:48And you don't want to keep it anymore. Um, the other, you know, upside here is as an individual, if you're selling in your own name, yes, you get the 50 percent CGT discount, but the remainder is often taxed at as high as

Jason · 17:0045 cents to the dollar on the capital gains tax, capital gains within the super fund is 15 percent if you sell within the first year or 10 percent if you sell outside of that.

Jason · 17:11And then as Nick touched on, uh, as well, if you wait until retirement age, it's capital gains tax free.

Nick · 17:17I reckon let's just hone in on that because that is significant. Like, if you, let's, I'll throw an example at you, Jase, because you're the, the tax man. But let's say I am, um, uh, let's say I'm like, uh, 180, earning 180 grand a year as a, you know, as a professional.

Nick · 17:36Yep. Um, I've bought a property, whether it's commercial or resi. Um. I've decided to sell it, um, at a, you know, age 65, I'm still working, um, cause I've still got the ability to work, assuming everything else is normal, but if that property has gone from a value of say

Nick · 18:00600, 000 to let's say, let's be really realistic here to 950, 000.

Nick · 18:07So that's, you know, that's a 50 percent gain over whatever period. What kind of capital gain am I paying?

Jason · 18:14Yeah. The difference there, I've done the numbers punched in for you. So 600, 000 up to 950, 000, if you own that in your own name and let's assume you're on 190, cause that's the new bracket now and that'll make it easy for me.

Jason · 18:25You're going to have a capital gain of 350, 000. Half that down to 175, 000, because you still get the 50 percent CGT discount in your name as an individual. And then you're going to lose 45 percent of it. So you're going to pay 78, 750 in capital gains tax. Now, in your super fund. That would have been 35, 000.

Jason · 18:45So you would have What if

Nick · 18:46you What if you had hit preservation age?

Jason · 18:48Oh, well then it would be zero. Yep.

Nick · 18:52And preservation age is, you know, I've said someone in that's 65. So that's, that's the biggest win. And that's why Even

Nick · 19:00better. If your strategy is to buy and hold for retirement, obviously you can't You can guarantee that's always going to happen, but there's also a much bigger chance of you buying and holding inside of your fund because it's not hurting your cashflow outside.

Nick · 19:15Like if you look at the reason people are selling, it's cashflow. You don't have that problem in your super fund for most people because you've got your super contributions going in there and funding it. So, there's actually a better chance of you holding that property to retirement if it's inside of your super fund and if you're lucky enough to do that, then come to retirement when you need to sell it because you want to gain access to some of the, um, to some of the, the, where you, you want to turn into a liquid asset, hypothetically, you're at preservation age, zero capital gains tax.

Nick · 19:45That's

Marty · 19:47That's a massive, yeah, massive win. Point of difference. And, Jace, um, if, if I want to go and work overseas And hold my asset in a self managed super fund. Are there any consequences

Marty · 20:00to doing this? I'm just, as you can tell, I'm, I'm, I'm asking you all the questions I'm copying.

Nick · 20:06I'm pretty sure I've got Marty's next 10 year plan mapped out.

Nick · 20:09Uh,

Jason · 20:12look, that's that one. I can't give you the firm answer on that. I would say, as long as your intention is to return to Australia, you can keep your self managed super fund, but you would need to appoint a new trustee, um, or power of attorney. So, um, the, the members, if you are the directors and the beneficiaries or the members of the super fund, if you become a non resident for tax purposes, I would say that would cause issues.

Jason · 20:34I'm, this is all coming back to me on my SMSF study days. If you appoint somebody who's an Australian resident for tax purposes as your power of attorney and trustee of your self managed super fund. All of the correspondence for that Superfund needs to go through them. You can't manage it yourself while you're living abroad and doing things abroad.

Jason · 20:53But as long as your intention is to return to Australia and take over managing your self managed Superfund, Um, I would say

Jason · 21:00that is okay. You wouldn't have to liquidate and sell it off if you do get that opportunity to venture abroad.

Marty · 21:05No, thank you. I got that question the other day. So I thought I'd ask one.

Marty · 21:08I know, good, good question. I'm going to throw, I'm going to throw, ha ha. And I'm off to Dubai. Oh, Hey, I'm coming

Jason · 21:15with you. That's all right. Um, Marty, we'll throw one to you. I mean, look, let's just say, you know, Dave, the trainee that we've talked about before, he's listened to this episode. He's getting pretty excited about, you know.

Jason · 21:25Setting up a self managed super fund and buying the commercial property that he's renting. How difficult is getting finance? Like, is this process more complicated than getting finance for buying a residential property or, you know, what are we looking at here?

Marty · 21:37Yeah, it's probably simpler because you're going off, you know, what, what's in the super fund, what's the income, the percentage of super going in off the wage and the rental.

Marty · 21:46So long as it stacks up. to the criteria the bank's looking for to service it, it's pretty much set and forget. And because you require a bigger deposit as well, you're generally finding that 11 percent and the rental, uh,

Marty · 22:00is, is giving a good cover. If you're trying to borrow and extend up to 80%. You know, again, you got to cross the numbers and it depends on your income coming in, but you generally find that the 70 percent mark, uh, 65 percent mark, sometimes people come in wanting to borrow 50%, uh, it certainly stacks up, but it's pretty set and forget.

Marty · 22:20It's just because there's all the things you've talked about in regards to the setup, sometimes you just need a bit more. bit more time, you need a couple of months, um, to, to actually settle the deal because there's a few more responsibilities and, uh, things you need to tick the boxes on as well. But the first thing is making sure it's the right strategy.

Marty · 22:40So you talk to a financial planner, um, at Innovate, you talk to the accountant, uh, like good self Jace, and then the finance piece is the final piece of the puzzle there. And look, the, there's a number of. second tier lenders that are very aggressive in this space because the major banks are all, because

Marty · 23:00the appetite's not there for the majors, they're all up around that 9.

Marty · 23:035 percent mark and we're seeing, you know, rates somewhere around that 7. 2 percent mark, so big savings on interest and when you think about that compounding effect over years um, that makes a significant difference, uh, to your retirement and what you keep at the end of the day, so. Really important if you have got one in play on a property to review and refinance and making sure you're getting the best pricing out there.

Marty · 23:30And if you're setting up, you know, you do all the right things, tick the boxes to get it set up and then ensuring you're getting, getting the most competitive rates in the markets. About five, five or six lenders that are proficient in, um, in self managed super funds on property.

Jason · 23:44Absolutely love it. Well, uh, there's a reason there's a huge growth in the number of self managed super funds.

Jason · 23:49I think it's, uh, there's about 200, 000 new super funds over the last five years, self managed super funds that have been formed. So, you know, we're, we're hearing it, we're seeing it. Um,

Jason · 24:00we're getting calls and emails about it a lot. And, you know, as I said, as you said before, Nick, I'm usually sending them your way anyway.

Jason · 24:05So, uh, beauty of working together. If you have listened to this episode and you think, you know what? I'd love to own my own commercial property, but I've never had the deposit before, and you know, I've heard the barbecue talk of, you know, this self managed superfund thing, but never think it was realistic or possible.

Jason · 24:19It may be, but you've got to have the con have the conversations first, so look, we'd love to hear from you, we'd love to talk to you about whether it's possible or not, um, reach out to Marty, Nick, or myself, and we'd be absolutely pumped to help you out and have a bit of a chat. Um, until next time, like, subscribe, jump onto YouTube, and check it out if you haven't before.

Jason · 24:37And I think we might even be able to be watched through Spotify now. So that's pretty cool. Until next time though.

Marty · 24:43It's your super. Make sure it is. Game over.

Jason · 24:48This podcast is for educational and informational purposes only. The conversations are of a general nature and do not qualify as financial or tax advice.

Jason · 24:56We recommend before you make any financial decisions, you consult

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