Get Rich Slow Club 252. Finance File: How debt recycling helped this couple invest $1.1m
Mar 30, 2026
A deep dive into a 31‑year‑old couple’s finances and how they built a $1.1M share portfolio using debt recycling. Clear breakdowns of incomes, loans, repayments and lifestyle costs. Practical talk on handling a year on one income, insurance and super considerations. Suggestions for flexible side income and when debt recycling might suit your situation.
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Couple Reached $1.1M With Debt Recycling
- A Perth couple aged 31 built a $1.1M share portfolio and $700K property equity by using debt recycling into VAS (40%) and VGS (60%).
- Their setup includes two $100K investment loans, a $320K mortgage, $47K in offset, and $80–100K annual investing targets.
Model Your Budget When Living On One Income
- Track and model monthly cashflows carefully while on one income; their current budget totals $7,043/month or $84K/year with mortgage and investment loan repayments around $3K/month.
- Include childcare, groceries, travel and offsets when assessing if one-income running is sustainable.
Side Hustles For Healthcare Parents On Leave
- Try low-effort, high-fit side hustles on maternity leave like telehealth hours, remedial massage from home, decluttering sales, or building social media content.
- Use spare time to upskill with short courses to pivot or increase post-leave earnings.