money money money 907 taking adult kids off health insurance, savings vs offset, pay mortgage off early + more
Feb 16, 2026
John Pidgeon, property market commentator; Rachelle Kroon, property manager and tax-savvy advisor. They debate when to stop financially supporting adult children. They explain offset accounts versus savings and where to keep an emergency fund. They cover renting out your home, valuation and tax timing. They discuss aggressive mortgage payoff plans, buying investment property now, debt recycling, and cost-saving home upgrades.
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Cut The Cord With A Clear Threshold
- Cut financial support when the adult child can realistically afford essentials and is living independently.
- Tell them clearly, set a replacement savings plan, and bake private health into their budget before you stop paying.
Offset Beats Taxed Savings For Many Owners
- Offset accounts reduce interest paid and compound that saving, unlike taxable savings interest.
- For owner-occupiers the tax-free nature of interest saved makes offsets usually superior to savings accounts.
Hide Offset Funds To Prevent Spending
- Use behavioural controls on your offset if you're a spender so money isn't immediately accessible.
- Blank out the offset from your app or set it as a non-transactable account to preserve savings.
