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346 | No More Properties Left To Buy: How This Couple Did It!

Financially Free Before 30… How!?!

Folks, in today’s episode we’re interviewing a young couple who, get this, have no more properties left to buy.

Meet Emma & Liam – D.I.Y. property investors who are “Done & Dusted” with only 2 investment properties and one family home.

Um, wait a minute…. Are you wondering, “How on earth…!?!”

Yep, we were equally blown away too.

Here’s where it gets even better – they did it with No bells, No whistles – just a couple of clever, cost-effective renovations and – the big one – they lived and breathed delayed gratification.

And now Emma & Liam and their small family is Set For Life.

… Wanna find out how these listeners did it?

Us too – strap yourselves in!

 

Free Stuff Mentioned

 

“Winter Series” Line Up So Far (More To Come!)

 

Here’s What We Cover…

  • 01:13 – Meet Emma & Liam!
  • 01:47 – “Money Doesn’t Grow On Trees”, they said…
  • 05:01 – Money lessons learnt from Nintendo!
  • 08:50 – When they first started, how did they set up their bank accounts?
  • 11:23 – Have they ever BLOWN their cash!?!
  • 13:13 – Financially Free Before 30… let’s seriously unpack it!
  • 14:18 – What did they have to sacrifice to make it happen?
  • 16:39 – What do they prioritise above all else?
  • 16:57 – How much time did Emma save by using Money SMARTS?
  • 18:32 – “Experience Over Things” — Why It’s The Best Way To Live!
  • 20:30 – WHY did they want to build a property portfolio in the first place?
  • 23:30 – Meet Their Properties!
  • 25:09 – The D.I.Y Renos!
  • 27:48 – “Don’t Buy Any More Properties!” — Their reaction to being told they were DONE!
  • 32:46 – Were they tempted to keep buying property, anyway?
  • 36:31 – The Mexican Fishing Story Every Property Investor Needs To Hear!
  • 38:15 – The #1 thing you need to succeed as a property investor!
  • 41:12 – Emma & Liam’s Top Renovation Tips!!
  • 43:18 – How to cut your Renovations cost (smart!)
  • 46:11 – Are there fights in the household over money?
  • 46:19 – Why it doesn’t matter if you’re NOT debt free! (wait, what!?!)

 

 

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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345 | COVID Crashed Their Careers – But Now They’re On Track To A Passive Income! – Chat with Tim Martin and Thomas Henry

When Covid hit, Tim and Thomas lost their jobs practically overnight.

At the time, they both worked in aviation – at the same airline, in fact – but all this changed for the couple when international borders went into a snap lockdown and not too long after, they were made redundant from careers they loved… and ones they imagined doing for the rest of their lives.

What happened next is – quite frankly, folks – hard to believe, and no doubt not the norm; particularly when you consider the fact that their life as they thought they knew it suddenly takes a drastic and unwanted shift.

What you’re about to get in this episode is not just a rare look inside an unshakeable mindset, but also something else entirely…

See, prior to all this, our listeners Tim Martin & Thomas Henry had been busting their guts trying to save for their first home deposit…

… and although they hadn’t saved enough just yet, with a click of someone else’s fingers, their years of hard work was immediately under threat.

Think about it for a sec – Their careers were gone. There were job losses sweeping across the globe. There was a serious virus scaring a lot of folks. EVERYTHING was uncertain…

And yet what Tim & Tom decided to do next was…

… Well, Wow.

Please just listen to this episode folks – we’ve kept it the last in Winter Series ‘cos if it ain’t a bang, we dunno what is!

Huge shout out to Tim & Tom for sharing their incredible story with us – powerful stuff, folks!

 

Free Stuff Mentioned

 

Here’s What We Cover…

  • 02:24 – Meet Tim and Thomas
  • 02:59 – What was money like for Tim growing up?
  • 05:28 – When did Tim’s parents purchase their first home? Why?
  • 07:36 – Money discussions around the dinner table for Thomas
  • 07:56 – Coming from nothing, and building your own business!
  • 10:33 – The first paychecks…
  • 13:11 – When you follow dreams that aren’t yours…
  • 16:06 – Falling headfirst into the credit trap :-/
  • 16:43 – How BIG was the credit card debt!?!
  • 18:26 – How did Tim get on top of such a large debt spiral?
  • 21:16 – The BIG Pivot…!
  • 23:33 – When a pandemic stops your entire industry!
  • 23:47 – Why was the airline life so appealing for them, anyway?
  • 26:43 – Their saving tactics for the first home deposit
  • 29:33 – How they discovered the pandemic wasn’t going anyway any time soon
  • 30:18 – The immediate pivot to casual work – How? What? Why?
  • 33:21 – How to use Action as a form of taking back control
  • 34:10 – Finding opportunity amongst the chaos
  • 25:00 – Where do they work now?
  • 35:39 – How many temporary jobs did they “go through” in 6 months?
  • 36:54 – Finding The Property Couch… 🙂
  • 38:44 – Not Cynical But Sceptical… How They Recognised The Spruikers!
  • 41:19 – The hidden benefits of REAL property investment advice
  • 42:28 – How to retire at or before 60!
  • 44:01 – The “Zero to 100” Mindset…
  • 45:08 – Okay, let’s get real – how did all this upheaval feel?
  • 47:32 – The most transformational episodes!
  • 49:26 – How much do they plan to spend on travel each year?
  • 50:38 – Why buy an investment property BEFORE a PPOR?
  • 53:49 – How many properties do they need to achieve their passive income target?

And…

  • 1:00:29 – A look back in the rear vision mirror…

 

 

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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323 | Rising From A Decade Of Addiction: The Phenomenal Property Investment Story You Have To Hear To Believe – Chat with Sam

There are stories you hear about that stay with you for the longest time. Stories of triumph, stories of heartbreak, stories of beating the odds. Personal stories so authentic and transparent that, no matter what, hit your core and you can’t forget.

This episode is THAT story. And today’s remarkable guest is Sam, a Couch Listener who is as inspiring and impactful as they come!

Seriously. This is one of the BIGGEST transformations – both the biggest financial AND life transformations – we’ve heard on the podcast, and indeed will go down as one of our favourites… ever.

Meet Sam .

Over four years ago, life was very different for Sam. For almost a decade she struggled with mental health and substance abuse… to the point where she was caught in a revolving door of psychiatric hospitalisation.

Since high school she has battled with mental health challenges, which continued for 9 years, while her struggles with illicit substances lasted for about 7 years…

Obviously, and quite understandably, you can imagine that financial matters weren’t exactly a priority. Let alone the thought of investing in property!

Fast forward to today, and Sam’s life is “we have no words” different. A PHENOMENAL turnaround you just have to hear to believe, folks!

Oh, and just FYI… Sam is a young single woman on a modest income who has never known ANY other property investors… yep, that’s ON TOP of her incredible backstory.

Just listen to it. You’ll be blown away.

We know we were.

 

P.S. This is the LAST EPISODE in our 2020 Summer Series… and while we’ve absolutely loved each and every one of our guests, we reckon we might’ve saved the best ‘til last.

For us, this has been the most impactful interview of all time!

 

Free Stuff Mentioned…

 

Here’s some of the stuff we talk about…

  • 02:52 — Meet Sam…
  • 03:09 — What was money like growing up?
  • 05:10 — The poem…
  • 06:04 — The incredible backstory
  • 08:11 — What triggered such massive change?
  • 11:00 — Warning signs…
  • 11:45 — Sam’s advice for people who might be going through mental health issues
  • 12:39 — How can you best help someone who is struggling?
  • 14:29 — How many mental health professionals has Sam likely worked with?
  • 16:59 — The pivot!
  • 17:41 — Wow — the foresight to do this was incredible!
  • 19:10 — The first property…
  • 21:05 — How did she rebuild her habits?
  • 21:40 — Her savings tips!
  • 22:32 — The biggest thing she’s learnt about money management
  • 23:24 — How many bank accounts did she have open?
  • 24:15 — Her money management system (and the infamous Word doc!)
  • 26:39 — How did the podcast come across her radar?
  • 27:53 — The first episode she listened to!
  • 30:45 — When you’re sceptical about professional advice…
  • 33:48 — What made her take advice?
  • 36:20 — How does it feel to have a Property Plan in place?
  • 37:44 — When’s her first investment property scheduled for?!
  • 39:33 — What if you don’t know anyone else who in invests in property?
    40:29 — What does Financial Peace look like for Sam?
  • 44:33 — Some wisdom from Sam to you…
  • 45:00 — The power of self-belief!
  • 46:23 — Mindset vs Mechanics – Which is more important?

 

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

Keen to Get Started with Money SMARTS like Sam?

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322 | When Wild Money Management Finally Gets Tamed! – Chat with Kellie

Three Words… Wild. Money. Management.

Three more words… But. not. anymore!!!

 

Our Summer Series continues and today we are interviewing listener Kellie

We’ve gotta hand it to her… not only did Kellie USED TO have some seriously wild money management going on…

Eg… Did someone say SEVENTEEN BANK ACCOUNTS OPEN!!??!!

… Kellie is an absolute free spirit in her own right, and her energy & enthusiasm is ABSOLUTELY CONTAGIOUS!!

Seriously. You’ll wish the podcast wasn’t audio just so you could be in the same room as her to get a dose of that amazing energy!! Don’t worry though, it’ll totally come through your headphones and we promise you this…you’ll be smiling from ear to ear!

To give you an idea… she had us laughing our heads off…so whoever said money management and financial transformation wasn’t fun, clearly had NOT heard this episode!

Strap yourself in folks, ‘cos you’re about to meet Kellie…

… and she’s going to deliver the hard and fast facts of her life that’ll have you giggling…

… if only ‘cos she says aloud what a lot of us are secretly thinking about our money habits…

You’ll enjoy this one.. we know we certainly did!

Tune in now to hear just how wild Kellie’s money management used to be… and what she did to tame it 😉

 

Free Stuff Mentioned…

 

What We Talk About…

  • 01:44 – Meet Kellie!
  • 02:01 – What was money like when Kellie grew up?
  • 02:58 – What a pair of runners taught her about money!
  • 04:29 – Was money spoken about at home?
  • 05:54 – “Mum’s Tip” to get kids out of home and into their own!
  • 06:41 – How to furnish an entire house for less than $200!
  • 07:43 – The Potato Farmer who changed everything!
  • 09:10 – What did she first do with her money?
  • 09:38 – Managing money while living a Gypsy Life…!
  • 10:24 – Living pay check to pay check
  • 10:54 – The secret to getting everything you want in life!
  • 12:55 – The bank account story (there was “at least” seventeen!)
  • 13:25 – What did Money SMARTS drastically change?
  • 15:08 – Whoops! The credit card…
  • 16:23 – How did she pay off the debt?
  • 18:48 – Tip for your kid’s bank accounts!
  • 20:58 – What was the catalyst for change?
  • 21:59 – Flipping their investment property…
  • 22:22 – Getting a Plan done… (And a QPIA’s reaction to flipping property!)
  • 24:39 – What did she think of Make Money Simple Again?
  • 25:25 – When seventeen accounts becomes ONE…
  • 27:34 – How long did it take to work out the “right” 7-day float?
  • 29:00 – How much time has she saved since using Money SMARTS?
  • 30:41 – How an investment-savvy mortgage broker helped!
  • 31:03 – Why is Kellie wanting to FLIP property?
  • 31:49 – The difference between advice and lending a hand…
  • 33:09 – A VERY IMPORTANT reminder about flipping property…
  • 33:50 – Horror flip stories ☹
  • 36:03 –  What’s the best way to empower people on their own money journey?
  • 38:13 – How to use Money SMARTS without a Credit Card
  • 40:44 – Why don’t they do the monthly check up?
  • 41:09 – How does she work out her irregular spend then?s
  • 42:07 – What’s life like when you have Financial Peace?
  • 43:20 – Monopoly in Real Life: How Kellie is now teaching her kids about money
  • 44:40 – Wild money management & 30-Page Statements!

 

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

Keen to Get Started with Money SMARTS like Kellie?

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320 | Are those Qantas Points Really Worth It?! The True Cost of Your Money Habits – Chat with Megan

Using a credit card to earn Qantas Points… is it even worth it?!

Folks, joining us today is listener Megan – and not only is she going to help us answer this exact question (… just wait ‘til you hear the reason it came up in the first place!), she is also living proof that your money backstory does NOT have to be your financial destiny!

This is a financial transformation no one should miss – we cover a LOT of ground, including… a backstory of Financial Hardship, learning the hard way about bad debt, setting new money habits, investing as a parent… you name it!

Megan was an absolute joy to interview and is extremely generous and transparent when it comes to sharing the truth of her story so others can benefit from it.

Highly recommend this one, folks!

And, yep, it might make you think twice about how you use a credit card!

 

Free Stuff Mentioned…

 

Here’s What We Cover…

  • 03:12 – Megan’s Money backstory!
  • 04:54 – Was it simply inferred that money was “tight” growing up?
  • 06:53 – Money differences between siblings…
  • 08:04 – Money differences between partners…
  • 10:52 – Using the same bank account from the age of 6!
  • 12:41 – How to have separate living and lifestyle accounts for each partner
  • 14:45 – Things to remember when comparing yourself to your friends
  • 15:56 – Who takes the lead on the finances?
  • 16:27 – Where does the “Why” come from?
  • 17:41 – When credit card debt spirals out of control…
  • 19:07 – How did she pay off all that debt so quickly
  • 20:15 – Techniques and tips to remove bad debt
  • 20:35 – Before Money SMARTS!
  • 20:44 – How much did they spend on going out for dinner?!
  • 20:50 – After Money SMARTS!
  • 25:25 – #1 Tip so you DON’T have to keep transferring money back and forth!
  • 26:11 – Are those Qantas points really worth it?
  • 28:33 – How is Megan running her provisionings?
  • 29:32 – Why was Money STRETCH so important for Megan and her partner?
  • 34:07 – When the mindset goes backwards…
  • 39:07 – The benefits of the MyWealth Portal
  • 41:27 – How many icy poles is too many icy poles? 🤣
  • 43:30 – The power of setting a long term goal/s for yourself…
  • 44:33 – How did they upgrade their home?
  • 46:43 – Considerations for a PPOR that will eventually be turned into an investment property
  • 50:05 – The importance of diversifying your portfolio!
  • 51:14 – Understanding the timing of our ABCD pillars of Mastery
  • 50:54 – What does Megan want you to know about Money SMARTS?
  • 58:28 – GREAT take home message!

 

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

Keen to Get Started with Money SMARTS like Megan?

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

Already have an account? Log in here.

 

 

 

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