07 3262 6585 Book a time

Picture Book · Debt recycling

When income dips

Story pages

A woman in her mid forties with long dark hair reading on a hammock in a backyard
Meet Nina. She's 46 and expects her shares to pay dividends.
A fruit tree with only a few pieces of fruit on its branches
But investment income can be lower than expected.
An empty fruit bowl on a kitchen table
A company may cut or skip a dividend in a tough year.
A row of letterboxes along a quiet street
The loan repayments are still due either way.
A well-stocked pantry shelf with jars and tins
Moneysmart suggests making sure she can cover living costs and repayments without that income.
A woman in her mid forties smiling while watering a vegetable garden in late afternoon light
Nina keeps a cash buffer so a quiet year isn't a crisis.

The end

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisers

Next story: When you sell

General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

1 / 7

Swipe, use the arrows, or press ← → on your keyboard.

Want this for your situation?

Every situation is different. One of our advisers can help you work out what applies to you.

Book an appointment with one of our advisersor call 07 3262 6585

Keep exploring: More debt recycling stories · All picture books · Age Pension what-if planner · Cost-of-living help for homeowners