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!!

It’s not every day we ask ourselves, “How did a bag of M&Ms set the foundation for a $120,000 passive income??”

But when it comes to today’s episode, this was the exact question we asked ourselves! 😲

Sure, there’s a few more steps to get from “A bag of M&Ms” to “A passive income”… but you can bet on the fact that it does NOT take away from today’s epic story line!

And it’s one heck of an epic story line that involves not JUST a packet of chocolates… but also 50 cents… a half-year-long sabbatical and… wait for it…. a property portfolio consisting of only TWO INVESTMENT PROPERTIES that will deliver $120,000 passive income in retirement!!!

Spoiler alert: today’s guest Keno Diamante is about to tell you exactly why planning ahead WILL change the game for you! And why is he in a position to share this story?? Well folks, he’s walking proof of it!

(And in case you’re wondering… YES folks… we really do mean a bag of M&Ms!)

 

 

 

While working in the Navy, Max Roman literally had his legs crushed when a torpedo unexpectedly fell from a submarine’s storage shelf, instantly trapping him.

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

But it gets even more “Wow.”

… Despite all this, Max held true to his commitment to create something more for himself. He stayed the course because YEARS BEFORE all that happened, he’d embarked on a journey few folks take… he’d started upon the road less travelled to Financial Peace!

And what a trek it’s been!!

… ‘cos there’s SOMETHING ELSE to Max’s story that surprised the heck out of us…

… low and behold, it turns out he actually went to the same high school as Bryce – just the year below!

Born in England to accountant parents, Amy was given great money advice growing up. And obviously, so did her brother.
Only one of them took the advice to heart though… and it’s not our special guest. From credit card spend sprees to climbing Mt Kilimanjaro, Amy lived life to the fullest!

So… what changed?

Why did she go from having no budget whatsoever to being a Money SMARTS advocate? Yes, you’ve read that right… she got her circle of friends on board with Money SMARTS too!

A thirst for knowledge is an excellent virtue to have but in some cases, you might encounter information overload… Or in other rare cases, you might be reading the wrong books or getting advice from mentors with hidden agendas.

Unfortunately, today’s Summer Series guest, Michael, is in the latter category.

Folks, if you had been stung by a spruiker before, you’d know that it’s not easy getting back on the property ladder and, even more so trusting another so-called property professional….. but Michael did.

Despite being a victim of opportunity cost, he did not let that deter him at all. In fact, he learned from each experience, good and bad, and stood up to the challenge, stronger and more motivated than ever.

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!

Raphael Siket – Director of Ecolibria – a leading building biology service in Australia. He is a qualified building biologist and has completed the most comprehensive course of study currently in his field with an Advanced Diploma in Building Biology, a Bachelor of Commerce and – wait for it – is a Certified Mould Testing Technician (ACES) and past president of the Australasian Society of Building Biologists.

“Whoa, what?!”

This unorthodox twist to Money SMARTS had Bryce scratching his head…

Let’s just put it this way… Brendan Gale and his partner Marrissa have an… ahh… unusual way of running Money SMARTS…

Sure, the spin they’ve put on it is actually pretty cool… and it still has them trapping more surplus than ever before… in a way that totally suits their lifestyle…

BUT… it’s definitely different to most folk!!

Not “bad” different…… but different enough that it made Bryce blurt out, “Umm, why?”

Here about this surprise twist to Money SMARTS now!

 

 

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!

Today’s new episode is concrete proof that it doesn’t matter where you came from, or whether you’ve had money problems in the past… where REALLY matters is the future your creating…

When James McLellan was a kid, money was an issue. To the point that it ultimately resulted in his parents’ separation. Despite this, James has gone on to build property portfolio and has totally transformed the trajectory of his relationship with money forever. The best part? He used to be SCARED to invest in property. But now he has three investment properties and a strategic Plan to move forward on the next one…

P.S. Folks, there’s a very interesting story in there about how James ended up in the hands of a Spruiker… and just scraped through without ever signing a contract!! 😲