u/Fluffy_Shame397

I was just about to start to invest in ETFs (100k) and do a debt recycle on our mortgage (600k) as we are seriously considering financial independence and passive income in about 20 years time.

We are in our mid 30s but then saw people comment about waiting till the budget due to negative gearing and cgt changes.

Totally lost on what to do! I have just joined reddit and started reading/watching videos on investing but now I don’t know if I have missed the boat?

Any advice?

Thank you.