“You wanna be the janitor”

This is probably the first time we’ve ever had a guest over where money conversations were not only discussed at the dinner table but… it was a hot topic anytime of the day!

For very good reason too!

Marina, our special guest today had an awareness towards money and investment at a very early age.

In fact, when others were playing Monopoly, Marina was playing Robert Kiyosaki’s cashflow game (Quick tip: It seems… being a janitor in the cashflow game has the highest chance of winning it 😉)

She had a full grasp on the concept of debt – tolerable, horrible and productive – a long time before she discovered The Property Couch and she also started investing in property at the tender age of 19.

So…

• Where did that drive come from?
• How did she develop a can-do attitude?
• What are some life lessons she learned along the way?
• And which of our fundamentals gave her a boost?

Folks… We seriously can’t describe how uplifting her story is and there is much to learn from this episode so let’s jump into it now!

Free Stuff Mentioned

• FREE eBook – Make Money Simple Again
• Free Book – The Armchair Guide to Property Investing
• FREE MyWealth Portal & Start Your Financial Transformation Today! (includes Money SMARTS, Money FIT + Money STRETCH) – Fill in the form at the bottom of this page or Free Sign Up Here
• Ted Talk with Meg Jay – Why 30 is not the new 20 – Watch here

Here’s what we cover…

• 1:24 – Meet Marina.
• 2:03 – Money was a hot topic?!!
• 3:11 – Unconventional Wisdom from negotiating for a Furby
• 5:05 – Where did the money awareness come from?
• 9:01 – How is it like when your mum is a superhero? 🦸‍♀️
• 10:45 – Having a transparent and honest money conversation within the household goes a long way folks! Here’s the proof of that…
• 12:45 – Introduction to Robert Kiyosaki’s Cashflow Game
• 13:22 – The embarrassing job interview 😱
• 14:05 – Why did she drop out of uni?
• 16:10 – Property research skills that have been passed down from her parents…
• 17:32 – THIS is how you win the Cashflow Game!
• 19:25 – When spreadsheet budgeting becomes _____________?
• 22:11 – The “Aha!” moment!
• 25:36 – A 250% increase in their surplus?!!
• 26:54 – What are all the changes that they’ve made for that to happen?
• 30:21 – Saving thousands of dollars by just signing a few papers?!
• 31:25 – What happened that she had to return HALF of the First Home Owner Grant?
• 34:01 – Why you shouldn’t bring your dad to an auction…. #ToughLove
• 37:35 – Buying the Family Home
• 39:55 – What are their next steps for here?
• 42:55 – Why it’s important to merge their money mindset…
• 46:06 – The bombshell moment…
• 49:27 – The importance of facing your demons and taking action
• 52:45 – What does she want to impart to our community?

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

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The reason why money is such a taboo subject… is because of fear.

When Ricky was a kid, money was an issue.

Growing up in a family of 7, our special guest today confessed that there was unhealthy money education very early on. Although it didn’t feel like he missed a thing and his parents made sure him and his four brothers got everything they needed…

He was still able to sense some tension in the family.

You see, today’s guest grew up where credit cards and personal loans were the norm and he saw the effect of that chipping away on his parents’ relationships.

And unfortunately…. those bad habits stuck to him. To the point that the day he turned 18 and was eligible to get a credit card, he got one. (And you wouldn’t believe what he got right away too!)

Luckily, he met the love of his life who had great money senses and that managed to counter his bad habits…

Life was going great until one fateful night at work initiated a very serious spiral into a mental health crisis – PTSD, acute anxiety and acute depression.

All during COVID.

Find out how Ricky managed to turn all this around and prove that whatever life throws at you, a passion to get better, perseverance and a hunger to learn will make sure you overcome this.

Free Stuff Mentioned

• FREE eBook – Make Money Simple Again
• FREE MyWealth Portal & Start Your Financial Transformation Today! (includes Money SMARTS, Money FIT + Money STRETCH) – Fill in the form at the bottom of this page or Free Sign Up Here
• BingeGuide to Property, Finance & Money Management – Download here

Additional notes:

If you’re finding yourself in similar state as Ricky then please do not hesitate to reach out for help. That’s the first step to recovery. Here are some useful links that might help you take that step:

• Lifeline
• Beyond Blue

Here’s what we cover…

• 0:00 – Meet Ricky.
• 1:04 – The Unhealthy Money Habits that his parents showed him…
• 4:45 – How being exposed to the family’s financial stress at a young age affected him
• 6:00 – What happened the day he turned 18?
• 7:11 – The silver lining that helped him continued on…
• 8:24 – The money conversations that he’s having with his parents now.
• 9:00 – Why he thinks talking about money is such a taboo subject
• 10:49 – The life lessons he learned while talking to his brothers…
• 13:47 – His first job!! And guess what he did with the money!
• 15:00 – The bonfire chat that triggered a career change to…?
• 17:30 – When did Ricky’s debt spiral peaked?
• 18:55 – His first introduction to a budget!!!
• 19:17 – Financial Transformation: From debt reduction to investing your surplus
• 22:00 – Their original plan was to Rentvest and to live on the Dividends for retirement. But… what was wrong?
• 28:01 – The night at work that had Ricky battling for his life for the next 4 months.
• 32:20 – Learning the 1% Rule that saved his life.
• 36:48 – Understanding what the triggers are and noticing the signs…
• 39:40 – Ben’s own experience with mental health.
• 45:40 – The Bingeguide Report that changed his investment strategy from shares to property!
• 47:00 – Bryce’s #1 Podcast Advice
• 48:40 – Everyone told him otherwise so why would Ricky pay for advice?
• 50:24 – Why did they want a property portfolio plan done?
• 52:50 – How Ricky and his family is embracing this new feeling?
• 56:15 – Where on the 7 Grade of Financial Wellbeing is Ricky at?
• 57:02 – His favourite section in Money SMARTS Platform!!
• 1:00:00 – Mindset minute from Ricky!! #YES

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

Keen to Get Started with Money SMARTS?

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Happy New Year folks!!!🥳🥳

We’re kick-starting the year with an aspiring and positive story from our special guest, Matt!

Folks, this comes as no surprise but it’s important to be on the same page as your partner.

If you already are, that’s awesome!

But if you’re not… how about making it your target this year?

Cause here’s the deal…

Matt and his wife, Alana are detectives and they’ve probably seen the absolute worst of society. We’re talking about drug and firearms, organised crime, family violence and sexual offending cases…

You need an iron clad mindset and the right support to be able to weather through all that at work, come home and still have faith in humanity.

Luckily, Matt and Alana have exactly that.

And the best thing is?

They’ve channeled the same energy and passion on their work to their family and wow…. The results are simply transformational.

Don’t take our word for it folks, tune in now to find out more.

p.s. Check out this epic home-made toy box too! You’ll know what it stands for when you tune in to the 20:57 minute of the episode 😉

Free Stuff Mentioned

• FREE eBook – Make Money Simple Again
• Free Physical Book – The Armchair Guide to Property Investing
• FREE MyWealth Portal & Start Your Financial Transformation Today! (includes Money SMARTS, Money FIT + Money STRETCH) – Fill in the form at the bottom of this page or Free Sign Up Here

Here’s what we cover…

• 1:50 – Meet Matt.
• 2:37 – The money conversation around the dinner table…
• 4:40 – What did he do with the Coca-Cola shares his parents got him?!
• 7:18 – Money differences between siblings…
• 8:15 – The luxurious life of an expat… but what real impact does it have on him?
• 9:28 – What was the wake-up call?
• 11:47 – The transformational power of having a partner on the same page
• 14:20 – His first step towards good money management habits…
• 16:58 – How to implement Money SMARTS without a credit card
• 19:02 – Where did the Fear of Credit Card come from?
• 20:57 – Their savvy money hack to save for a deposit!! #CustomMadeToyBox
• 22:45 – THIS was invaluable to their transition…
• 25:50 – What’s the trade-off for buying a boat?
• 27:48 – The money discussions they are having now
• 29:03 – What’s their Lifestyle by Design?
• 33:00 – The unexpected events that they need to look out for…
• 34:30 – His #1 Tip for people thinking about implementing Money SMARTS
• 37:59 – Passing On The Wisdom: What Matt wants you to know about building your own wealth…

And…

• 44:55 – Our New Year Resolution for you!!
• 46:20 – Ok if you’ve stayed this far… Here’s a special sneak peek into “something”

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

Keen to Get Started with Money SMARTS?

Fill in the form below and create your account on our Money SMARTS Platform now!

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Winners never quit, and quitters never win. – Vince Lombardi

Today’s special guest, Brad is definitely not a quitter.

Born & raised in Zimbabwe, Africa while experiencing a hyperinflation, it wasn’t a flowery path but Brad learned resilience and tenacity from a young age…

He immigrated to Perth with the family when he was 19 and unfortunately, did not have an excellent start…

An unfortunate event let him to a lump sum of $25,000 which thankfully, he invested in property!

But… That property didn’t quite work out.

He managed to recover the $25k and got another property. (Yay!)

But… That property didn’t quite work out either.

Most people would have given up by now but no… Brad did not. He recovered the $25k and yes, he got another property.

But… (it breaks our heart to say this) The third property STILL didn’t quite work out.

So… WHAT EXACTLY HAPPENED?! 😱

Obviously, that’s quite a full-on story, right!?! And definitely not something you hear every day.

But trust us, it gets even more “Wow.”

Tune in today for all the gold 😉

Free Stuff Mentioned

• FREE BOOK!— Make Money Simple Again
• FREE TPC MyWealth Portal (the system that implements Money SMARTS for you) — http://thepropertycouch.com.au/financialpeace
• Free Physical Book – The Armchair Guide to Property Investing

Here’s what we cover…

• 2:15 –  Meet Brad.
• 3:05 – The “old school” money view growing up…
• 4:25 – What was life like during a hyperinflation?
• 7:34 – From a $5 train ticket to landing his first job! (how?!)
• 9:05 – Introduction to Consumerism
• 10:05 – The One Money Advice from his cousin that he still holds strongly today!
• 13:24 – What kind of shackles is Brad referring to?
• 15:08 – The mental shift that he had to overcome…
• 16:38 – The “Aha!” moment!!
• 21:30 – Why your circle of influence matters and what triggered Brad’s epiphany?
• 22:35 – The first mortgage and Property (and even LIFE) Lesson #1
• 26:10 – Property Lesson #2!
• 28:50 – Having the same mindset – What a difference it makes!
• 30:13 – Why it’s worth getting a 50% paycut and how they still manage to make things work
• 30:44 – Same deposit and this time… Property Lesson #3!
• 32:26 – Winning The 6 years Rule!
• 35:00 – Is it worth investing in this Hot Market?
• 36:38 – Bryce & Ben’s LIVE Advice on Brad’s next step
• 45:42 – What is he using the Money SMARTS Platform for?

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

Keen to Get Started with Money SMARTS?

Fill in the form below and create your account on our Money SMARTS Platform now!

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Folks, if you’re looking for a textbook couple as an inspiration on what Financial Harmony looks like…

Amber & Dan is your go-to couple!

Although they grew up with slightly different money management styles at home, Amber & Dan worked together and made sure that they’re on the same page when it comes to finance.

That mindset sets them up way into the future.

And, get this….

They’ve got a fool-proofed saving hack that built up money for a deposit AND a renovation!!

Of course, being on the same page is only part of the equation… there are heaps more when it comes to setting yourself up for retirement.

For example….

Finding out the exact thing to do with your surplus and consolidating those TEN bank accounts. (Yup, you read that right. T.E.N 😮)

So sit back and relax while you tune in to this feel-good story of how this couple is well on their way to building a passive income for life.

Free Stuff Mentioned

• FREE eBook – Make Money Simple Again
• Free Physical Book – The Armchair Guide to Property Investing
• FREE MyWealth Portal & Start Your Financial Transformation Today! (includes Money SMARTS, Money FIT + Money STRETCH) – Fill in the form at the bottom of this page or Free Sign Up Here

Here’s what we cover…

• 2:08 – Meet Amber & Dan
• 2:05 – What was money like in Amber’s childhood?
• 4:15 – Why couples have separate bank accounts…
• 5:14 – Money discussions around the dinner table for Dan
• 6:50 – The logic of a child when it comes to money management
• 11:50 – The saving hack that helped them save for a deposit AND a renovation!!
• 14:30 – What was lacking with their previous money system?
• 16:57 – Introduction to The Property Couch and their books!
• 17:50 – An unsustainable way to file money with _ _ bank accounts!
• 19:40 – “I read it… But it sounded too hard.” So what changed?
• 24:22 – At what point did they start to think about retirement planning?
• 27:55 – How perspective changes!!
• 28:00 – The messaging from an early age that made the transition to property investing easy…
• 32:11 – The big rocks in the jar!
• 34:00 – How many properties do they actually need?
• 38:20 – The temptation that might derail their plan…
• 39:00 – How to overcome the bias of investing in your own backyard?
• 44:51 – Getting your “D” sorted!
• 45:00 – How it feels now that they’ve got their roadmap planned out
• 49:15 – Their tips to the community!

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

Keen to Get Started with Money SMARTS?

Fill in the form below and create your account on our Money SMARTS Platform now!

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