The 2026 Australian budget just changed the rules on CGT, negative gearing, trusts, and more. But is it as bad as the headlines say — and what do smart investors actually do now?

Terry sits down with Jayden Post from Cruz Financial and Adi Chanda from Alaya Property to cut through the noise and give you a practical, no-BS breakdown of what's changed, what it means, and how to position yourself going forward.

What you'll learn:

📌 The CGT shift that's been 26 years in the making — what the 50% discount being replaced by cost-base indexation actually means for your tax bill when you sell (and why it may not be as brutal as you think)
📌 Negative gearing isn't dead — it's just been quarantined — the crucial difference between losing your deductions and deferring them, explained in plain English
📌 Why new builds aren't the no-brainer tax play spruikers will tell you they are — Adi runs the actual numbers and the answer will surprise you (spoiler: established property only needs to outperform by 0.3% per year)
📌 The trust change that hits 1% of people but generates $4 billion — why it's the most defensible part of the whole budget, and what your alternatives are
📌 The real reason young investors are getting smashed — it's not just the rule changes, it's the cash flow crunch, and it was already there
📌 What a borrowing capacity drop from $1M to $700K does to property prices — the flow-on effect nobody's talking about loudly enough
📌 Why trying to "wait it out" might be the riskiest move of all — and the question Adi's team asks every client that reframes the whole decision
📌 Super didn't get touched — and it's still the best tax environment in Australia — how to use this while everyone else is panicking about everything else
📌 The structural housing problem no budget can fix — approvals, construction insolvencies, 500K migrants a year, and a rental vacancy rate under 1.5%
📌 The one thing every investor in the accumulation phase should be focused on right now — and it has nothing to do with which asset class you pick

The bottom line: It's never as bad as you think. It's never as good as you think. But you do need a plan — and this episode gives you one.

Resources mentioned
Adi's 2027 Tax reform Calculator

Guests:
Adi Chanda, director of Alaya Property
Jayden Post, director of Cruz financial planning

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