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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…

• FREE eBook– Make Money Simple Again
• LAST CHANCE: Take our Survey– What do YOU want to hear about on The Couch?! (closes 1^st Feb 2021)
• Sign Up For FREE To MyWealth Portal & Start Your Financial Transformation Today!(includes Money SMARTS, Money FIT + Money STRETCH) Click here or simply fill in the form at the bottom of this page
• Episode 242 | Proof That You Can Get on the Property Ladder AND Invest in Property in Your 20s – Chat with Courtney Te’ray
• Courtney’s Story
• Episode 300 | The Unfair Advantage: Master This New Framework To Get The Passive Income You Want – Chat with Jaemin Frazer
• Episode 179 | Five ways to Create a Winning Property Investor’s Mindset – Chat with Jaemin Frazer

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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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…

• FREE eBook– Make Money Simple Again
• LAST CHANCE: Take our Survey– What do YOU want to hear about on The Couch?! (closes 1^st Feb 2021)
• Sign Up For FREE To MyWealth Portal & Start Your Financial Transformation Today!(includes Money SMARTS, Money FIT + Money STRETCH) Click here or simply fill in the form at the bottom of this page

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?

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

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There are SO many layers to this listener’s story, it’s incredible!

For one, when Eric T was at uni, he was paid a little “classroom visit” by, get this… sleek Spruikers in their fancy Armani suits who not only tried to SELL online courses to the students, but also GROOMED and recruited some of them as their next get-rich-quick protégé!!

Thankfully, today’s guest listener had the foresight to decline. Which, to be quite honest, was super lucky as he was already – in his own words – “highly suggestible and easily influenced by these quick rich shames and educators wearing their $700 slip on loafers, their $20,000 Rolex watches, expensive European sports cars and their 68 properties!”

Plus, while all this was happening, Eric’s partner sensed he was going down the wrong path and one day shoved a book under his nose – low and behold it was The Armchair Guide to Property Investing!

BUT – how’s this for a story that keeps on giving! – he first didn’t read it ‘cos he thought our book was complete rubbish… as we weren’t standing on the hood of a Rolls Royce! 😂

“Who were these two blokes sitting on a couple of couches and smiling with no bling or swagger?”

Fast forward to today and, well, here we are interviewing Eric.

But like we said… there are SO many layers to this story, and we can assure you this isn’t even HALF of it!!

Just wait to you hear what money was like for Eric as a kid!!

Let’s just say… he didn’t step foot into a restaurant until he was 19!

In a nutshell: This really is one ride of an episode folks… and Eric’s stories and pure wisdom will leave you wanting more!

Free Stuff Mentioned

• FREE eBook– Make Money Simple Again
• Take our Survey– What do YOU want to hear about on The Couch?! (only takes 7 minutes to complete)
• Sign Up For FREE To MyWealth Portal & Start Your Financial Transformation Today!(includes Money SMARTS, Money FIT + Money STRETCH) Click here or simply fill in the form at the bottom of this page
• Episode 219 | How going from 30 properties to Bankruptcy shaped this riches to rags… and back again story! Chat with Julie Ann Cairns

What We Cover…

• 03:46 – Eric’s Money Backstory (wow!)
• 05:14 – Wait… never been to a restaurant until he was 19!?!
• 07:53 – What was it like seeing his parents work so hard?
• 08:55 – Has his parents’ scarcity mindset shifted?
• 10:49 – Why Australia really is the Lucky Country…
• 12:24 – What was it like to go to a restaurant for the first time??
• 13:58 – How to put the cost of things into context…
• 14:53 – When Eric first started earning money, what was he doing with it?
• 16:02 – How Social Pressures Dictate How We Spend Our Money
• 17:25 – When parents make your clothes…
• 18:40 – What was the spark that made Eric consider property investing?
• 20:13 – How quickly did Eric’s parents pay down their mortgage?
• 20:57 – Was money spoken about in the childhood home?
• 21:49 – The Great Sushi Lesson…
• 24:18 – Are his parents retired now?
• 24:38 – How was Eric originally managing his money?
• 25:18 – Eric’s Rock Bottom…
• 26:22 – Did he shop around for his first bank?
• 27:21 – Groomed at uni to be a spruiker…
• 29:05 – How much does Ben spend on his “boat shoes”? 😂
• 29:32 – The story of the $50 note…
• 30:23 – When the scarcity mindset actually works in your favour…
• 32:50 – How did he discover The Property Couch?
• 32:57 – Investing for Tax Purposes!
• 34:52 – His initial reaction to The Armchair Guide to Property Investing…
• 35:39 – What changed his mind to finally read our book?!
• 36:13 – What episodes had the most impact on him?
• 37:31 – Using the Money SMARTS system…
• 39:23 – How does the Money SMARTS system change your BEHAVIOUR?
• 40:43 – Do you have to save every penny to trap surplus cash?
• 43:21 – Why “Money For The Sake Of Money” Isn’t A Good Enough Reason…
• 43:46 – What does Eric want to spend his passive income on?
• 45:36 – The Empty Island Syndrome
• 46:13 – Why you don’t want to be another Donald Trump!
• 47:11 – What’s it like getting a Property Portfolio Plan done?
• 47:32 – Status Design vs Lifestyle Design
• 49:46 – Attacking preconditioning from childhood…
• 57:51 – Time & Target: The Two Life-Changing Elements That Make Everything Clear!
• 58:56 – The Train Analogy – Amazing!

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 Eric?

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

Already have an account? Log in here.