If Your Home Is PAID OFF, Centrelink Treats You Differently — The “Dead Equity” Trap
Owning your home outright changes how Centrelink treats you — and the "dead equity" trap catches retirees who assumed a paid-off house was simply safe. If this video was useful, the complete set goes deeper on the family home, the Age Pension, your super, and the tax most families never see coming — every figure checked against the ATO and Services Australia. 25% off until 14 July with code FY2027 → https://stephencaldicott.com/ ▸ THE FREE GUIDE — 10 Things Australian Retirees Are Owed (That Almost Nobody Claims) Get it here: https://stephencaldicott.com/landing Nine pages, plain English, every figure checked against the ATO and Services Australia. The seniors tax offset that can let you earn around $32,600 tax-free, the health card with no assets test that self-funded retirees keep missing, the Work Bonus that lets you do a bit of paid work without losing pension — and seven more. No charge. Straight to your inbox. · · · If your home is fully paid off, Centrelink allows you to hold about $258,000 less in savings, super, and investments than someone who rents — before your Age Pension starts to reduce. · · · IMPORTANT — PLEASE READ This channel is not affiliated with, endorsed by, or authorised to speak for the Australian Taxation Office, Centrelink, Services Australia, or the Australian Government. The content is general educational information only — not personal financial product advice (within the meaning of the Corporations Act 2001) and not personal tax advice (within the meaning of the Tax Agent Services Act 2009). It does not take into account your circumstances. Tax laws, Centrelink rules, and super thresholds change. Before acting, speak to a registered Tax Agent, a licensed financial adviser (holding an AFSL), or the ATO directly. For free Age Pension and Centrelink guidance, contact Services Australia's Financial Information Service. Stephen Caldicott is a character based on real, verified Australian tax rules and procedures. The figures and information are real. The face and voice are not. · · · #centrelink #agepension #retirement
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