Read | Learn | Apply

Insights and guidance to inform and shape your financial fitness

Stay informed and take control of your financial future with our blog. We share expert insights and financial strategies to help you build wealth. 

Common debt myths debunked by Victor Idoko of CFV Advisory — navy and gold hero for Australian professionals, showing 5 myths debunked and the 5.7% grossed-up dividend yield

Common Debt Myths Debunked — For Australian Professionals

Context beats fear — every time. Once you see common debt myths for what they are, the decisions that felt risky start to look obvious, ...
Debt myths debunked by Victor Idoko of CFV Advisory — navy and gold hero showing the three tiers of debt (bad, good, smart) and the $36,000 yearly leakage benchmark for Australian families

Debt Myths Keeping Australian Families Average

Fear-based money advice carries a real cost. The most expensive debt myths in Australia aren’t the ones that bankrupt you — they’re the quiet ones ...
How debt recycling works explained by Victor Idoko, CFV Advisory — 5-step cycle turning a home loan into a tax-deductible investment loan with no extra debt

Debt Recycling Explained Simply — For Australian Professionals

Convert the “dead” interest on your home loan into a tax-deductible investment loan — without taking on a single dollar of extra debt. Here is ...
Debt recycling strategy guide by Victor Idoko, CFV Advisory — showing 3 suitability pillars, 4 risks, and the 4.35% cash rate for dual-income households

The Australian Strategy That’s Not for Everyone

It is one of the most powerful wealth tools available to Australian homeowners — and one of the easiest to get badly wrong. A debt ...
Rate stress test and borrowing protections by Victor Idoko, CFV Advisory — five rules that protect Australian family wealth at a 4.35% cash rate

Borrowing Rules That Protect Australian Family Wealth

A rate stress test isn’t a restriction on what your family can do — it’s the reason some families stay in the game while others ...
Cover image for The Borrower's Code ebook by CFV Advisory, outlining borrowing rules, loan stress-testing, buffers, and risk management strategies for Australian families.

The Borrower’s Code Every Australian Family Needs

Borrowing rules are what separate a family that uses debt to build wealth from one that simply carries risk on a fixed repayment schedule. In ...
Scroll to Top