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Speaker 1: Welcome to the Rise and Conquer Podcasts. This podcast is

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Speaker 1: for women who want to take ownership of their lives,

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Speaker 1: live unapologetically, and are ready to turn their biggest dreams

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Speaker 1: into their reality. If you're ready to be armed with

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Speaker 1: the tools that will inspire to take bold action, feel

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Speaker 1: confident within yourself, and conquer your goals, then you've come

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Speaker 1: to the right place. I'm your host, Georgie Stevenson. I'm

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Speaker 1: a lawyer turned entrepreneur, co founder of Naked Harvest Supplements,

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Speaker 1: and social media personality with a community of over three

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Speaker 1: hundred thousand. I grew up believing I had to pursue

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Speaker 1: the safe option and fit into a mold others had

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Speaker 1: created for me. But then I entered my corporate law

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Speaker 1: job and I realized that settling for a reality that

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Speaker 1: did I didn't set my soul on fire, was something I

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Speaker 1: was not prepared to do. I wanted more, and I

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Speaker 1: have a feeling you do too. Join me and special

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Speaker 1: guests weekly as we get down to the nitty gritty

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Speaker 1: on all things health, mastering your mindset, creating lasting habits,

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Speaker 1: thriving in your career and relationships, plus so much more,

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Speaker 1: and together we'll gain the knowledge and perspective to pursue

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Speaker 1: our wildest dreams and kick fear to the curb. Well,

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Speaker 1: what are you waiting for? Let's rise and conquer. Hey guys,

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Speaker 1: and welcome back to another money series chat. Money coach

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Speaker 1: and leading gen y property educator, Ida Shabanz is back

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Speaker 1: to impart some of her money wisdom on all of us.

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Speaker 1: Ida's purpose is to help millennials achieve their money dreams

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Speaker 1: and show that it is possible to take control of

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Speaker 1: your finances. This is Ida's third money series Chat of

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Speaker 1: season two, and if you haven't heard the ones before,

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Speaker 1: I highly recommend you go back and listen to them.

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Speaker 1: This time, we're diving deep on all things property. People

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Speaker 1: often talk negatively about mortgages and purchasing property, and I know,

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Speaker 1: with everything happening, it can feel very uncertain and confusing.

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Speaker 1: But today Ida is here to explain it all and

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Speaker 1: tells us so many good insights on building a portfolio

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Speaker 1: and how it can actually happen. She goes through the

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Speaker 1: steps and really shows us. I'm so excited to bring

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Speaker 1: another money chat. You guys know, I'm so passionate about

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Speaker 1: being conscious of our finances and really being in control.

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Speaker 1: Ida's episodes are also one of my favorite episodes, and

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Speaker 1: I know there are some of the most downloaded, so

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Speaker 1: hope you guys love this one too. Let's get into

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Speaker 1: the episode. Hey, Aida, welcome back to the show. Hey Georgie,

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Speaker 1: how you doing so so busy but good? What about you?

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Speaker 2: I feel you?

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Speaker 1: Me and Ida were just chatting about how we've just

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Speaker 1: been like so busy and like scattered this week. I've

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Speaker 1: been like so scattered in the way of like just

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Speaker 1: I feel like a chicken with its head cut off

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Speaker 1: like that saying, and Ida just like dropped a whole

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Speaker 1: bit of coffee on the floor and ran into a wall.

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Speaker 1: So we're doing well.

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Speaker 2: Look, we need to use our brain for more important

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Speaker 2: things than daily function.

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Speaker 1: One hundred percent, so we're going with it. I think

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Speaker 1: we're doing quite all though, Ida. Before we get into

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Speaker 1: the show into the good stuff, like always, I just

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Speaker 1: want to ask you what season you're currently and I

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Speaker 1: think it's going to be pretty much the same to

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Speaker 1: our previous confo. But just how are you going with

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Speaker 1: all the changes right now? And how are you feeling.

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Speaker 2: I'm actually feeling really good. I feel like the last

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Speaker 2: few weeks I've been really focused. All of the changes

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Speaker 2: that we make with our business have really like set

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Speaker 2: in and so now we're kind of really working through routine.

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Speaker 2: We're not seeing as many changes with the government with things.

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Speaker 2: We're actually seeing things get easier and improved, So that's

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Speaker 2: all positive. And then I've had heaps and heaps of

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Speaker 2: wins for clients, so I'm having a really good time.

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Speaker 2: So like I've solved a lot of clients problems, you know,

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Speaker 2: in terms of their finances if they were affected. And

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Speaker 2: then I've had a lot of clients pay off a

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Speaker 2: lot of debts this last two weeks, and just some

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Speaker 2: amazing I've got amazing things that have happened the last

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Speaker 2: few weeks. So I feel like all the hard work

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Speaker 2: over the last sort of you know, six weeks, you know,

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Speaker 2: has really paid off. In the last few weeks. I'm

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Speaker 2: actually doing really well in a really good routine. Just yeah,

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Speaker 2: feeling really positive.

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Speaker 1: That's so good to hear, because I remember we're chatting

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Speaker 1: and kind of at the start with everything happening with

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Speaker 1: COVID nineteen, We're both it was just it felt like

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Speaker 1: a bit of a slog. So I'm really happy to

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Speaker 1: hear that looks like the hard wak because all paying

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Speaker 1: off and you're you're feeling good. I wanted to chat

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Speaker 1: about your changes because I know in our previous podcast

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Speaker 1: we chat about your workshops that you do all over

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Speaker 1: the country with Growth Group, and I just wanted to

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Speaker 1: chat about how your workshops have changed. I know you

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Speaker 1: did mention to me before. Can you let us know

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Speaker 1: what that looks like now?

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Speaker 2: Yeah? So I am so excited because for the first time,

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Speaker 2: we're running our famous Road to Property workshop online. We're

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Speaker 2: actually streaming it pretty much like worldwide, so anyone can

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Speaker 2: watch it from anywhere that they are. But what that

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Speaker 2: means is all the people that we're missing out in

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Speaker 2: the places we didn't go, which we were only doing

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Speaker 2: them in Sydney, Brisbane and Melbourne, and we had so

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Speaker 2: many people writing in, like from Perth, Adelaide, you know,

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Speaker 2: other remote areas saying, oh, you know, is there any

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Speaker 2: way I can you can come here? So I'm really

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Speaker 2: happy because now we can spread the amazing education that

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Speaker 2: we provide around property to so many more people. So

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Speaker 2: when I say we're going online, we're actually going to

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Speaker 2: stream it, so I'm going to be presenting like I'm

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Speaker 2: doing it normally. We've actually got an amazing space, which

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Speaker 2: is one of the developers that we work with is

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Speaker 2: allowing us to use a huge gym that's got a

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Speaker 2: massive screen, and I'm going to stand in front of

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Speaker 2: that and everyone will be like popped up behind me

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Speaker 2: with the powerpoints. So I'm going to you've been to

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Speaker 2: the workshop before, it's very interactive. I'm I'm going to

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Speaker 2: try and do it the same, so I'm not going

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Speaker 2: to sit down behind a screen. I'm going to be presenting,

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Speaker 2: so it's going to be really fun. You're going to

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Speaker 2: have a workbook, so everything will be the same, except

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Speaker 2: now we can reach more people. It's going to be

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Speaker 2: on the nineteenth of May, and it's I'm just so

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Speaker 2: happy that we can just reach more people.

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Speaker 1: That's so exciting. It's funny because you know, if this

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Speaker 1: all hadn't happened, you never would have well I don't

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Speaker 1: know if you never would have, but you know, like

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Speaker 1: you wouldn't have thought to expand and do it in

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Speaker 1: this sort of way. And like you said, like so

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Speaker 1: many more people now can come and watch and be

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Speaker 1: with you and hear your workshops because they are guys.

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Speaker 1: I've said this so many times, but I've been to

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Speaker 1: a couple before around the same time, so I was

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Speaker 1: buying a first like little townhouse and then our house

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Speaker 1: that we currently live in now, and they're just such

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Speaker 1: a wealth of knowledge. So I am so happy for you.

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Speaker 1: And that's so exciting. Oh my god, that's coming.

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Speaker 2: Yeah too, I know. So it's in a few weeks,

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Speaker 2: our first one, and we've already had so many people register,

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Speaker 2: so I'm excited. I think there is there is a

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Speaker 2: cap on it because it's it's the program that can

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Speaker 2: only take I think we can only take like one

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Speaker 2: hundred and fifty or something like that.

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Speaker 1: Yeah, R and C. I make sure I'll put in

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Speaker 1: a link to register for this workshop if you guys

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Speaker 1: want to check out and make sure you register and

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Speaker 1: be like get in there before the cap is done,

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Speaker 1: so I can just you can just give me a

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Speaker 1: link after the show or something like that. Hey Eider, Yeah, sure, sure, amazing, Okay, cool,

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Speaker 1: Well let's get started. I want to kind of go

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Speaker 1: really in on property today because I have kind of

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Speaker 1: noticed this kind of thought process happening quite a few

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Speaker 1: of my friends who were thinking of buying, you know,

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Speaker 1: their first property this year. I have had a chat

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Speaker 1: to them, and they're kind of feeling this way of

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Speaker 1: almost quite scared and unsure and uncertain now with everything happening,

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Speaker 1: which is, oh my god, so okay and so valid.

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Speaker 1: So I kind of just want to chat about property

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Speaker 1: and go into that in a bit more depth than

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Speaker 1: we have previously. Can you tell us just a little

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Speaker 1: bit about your property journey and how it all started out,

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Speaker 1: and because I know you have a really big portfolio

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Speaker 1: and what that looks like now.

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Speaker 2: Sure. So I bought my first property when I was

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Speaker 2: just over eighteen, and I bought a one bedroom unit

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Speaker 2: off the plan, and after that, like I basically bought

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Speaker 2: in I'd say it was three ks to the city,

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Speaker 2: and that's kind of always been my model. I'm always

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Speaker 2: looking at blue chip areas, which is within sort of

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Speaker 2: ten to fifteen k's of the city or a CBD.

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Speaker 2: And I bought that property off the plan, and then

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Speaker 2: by the time it was finished, which was like two

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Speaker 2: and a half years, I had actually built a little

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Speaker 2: bit of equity up in that property, and from there

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Speaker 2: I was able to purchase another property, and then from

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Speaker 2: there I purchased another property, so I kind of built

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Speaker 2: from there. So I the first few properties I didn't

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Speaker 2: live in. I rented a room back then like eighty

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Speaker 2: dollars a week, woo, and rented a room and just

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Speaker 2: bought investment properties. So the goal for me was to

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Speaker 2: build a portfolio and then be able to have a

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Speaker 2: good base that I could then buy. And you have

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Speaker 2: my dream home at the time, right, So those first

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Speaker 2: two properties allowed me. Then I bought them in the

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Speaker 2: right areas, and they grew and the values grew, so

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Speaker 2: I was able to use the equity to buy a house.

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Speaker 2: That house was the house that I put about four

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Speaker 2: hundred thousand into renovating and built a pretty magnificent architectural

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Speaker 2: house in a really good suburb. That's the way I

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Speaker 2: was able to do it. See, people always talk to

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Speaker 2: me about buying straight away a house and then doing

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Speaker 2: renovations and building up equity, but it's actually not that

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Speaker 2: simple unless you've already saved a significant amount to buy

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Speaker 2: the property and then also renovate the property. Right So

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Speaker 2: from there, I used like equity to renovate that property,

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Speaker 2: and I used like every single bit of cash that

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Speaker 2: I had to renovate. Then I just continued building my portfolio.

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Speaker 2: So I moved into that property that's the first one

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Speaker 2: that I lived in. I moved into it when it

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Speaker 2: was a ship property. Like I talk about this in

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Speaker 2: my workshops and explain how bad it was because people

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Speaker 2: always look at where you are and think you lived

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Speaker 2: a dream your whole life. But it was an absolute dive.

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Speaker 2: Like that property was disgusting, Like you couldn't even lock

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Speaker 2: the doors, and it had holes in the floor, and

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Speaker 2: like things were completely disjointed. I mean, people just had

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Speaker 2: additions to this post war house that didn't even fit

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Speaker 2: on the house. So I lived in that house for

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Speaker 2: about a year deciding how I was going to design

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Speaker 2: and plan and what I was going to do with

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Speaker 2: the actual you know, how would it be best for

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Speaker 2: the design, and then I renovated it lived in it

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Speaker 2: for a year following that, and then I decided that,

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Speaker 2: you know, it wasn't the smartest thing for me to

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Speaker 2: do if I wanted to keep building my portfolio. So

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Speaker 2: I actually moved out of that property and I rented

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Speaker 2: it out for a significant amount and made a lot

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Speaker 2: more money by doing that, and I continued to build

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Speaker 2: my portfolio. So another way that I've built my portfolio

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Speaker 2: is I've also had properties that I've purchased in really

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Speaker 2: good locations, so between Melbourne, Sydney and Brisbane where I've

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Speaker 2: bought them off the plan. But the key here has

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Speaker 2: always been the due diligence that I've done. And I

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Speaker 2: can talk about that later, but the due diligence I've

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Speaker 2: done those properties had always buying off the plan and

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Speaker 2: I only put down a ten percent deposit which I

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Speaker 2: could use equity for and then they would be built

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Speaker 2: in two years and then I would get the loan

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Speaker 2: and settle on it and then I would have equity.

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Speaker 2: So I kind of breaking it down four year as

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Speaker 2: much as I can about how I built my portfolio

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Speaker 2: from there. That portfolio I then started have done developments,

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Speaker 2: so I've bought houses. I've bought so in terms of

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Speaker 2: my portfolio, I've bought one bedrooms, two bedrooms, three bedrooms,

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Speaker 2: houses renovated, developed, so developments. I've done high in homes.

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Speaker 2: I've done fourteen units, so I've basically done pretty much

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Speaker 2: everything except for build commercial property yet that's on the list,

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Speaker 2: but that's that's where my portfolio is now. But it's

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Speaker 2: gone through all those stages. So my portfolio is worth

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Speaker 2: over ten million dollars now in property.

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Speaker 1: Wow. I love what just gobsmacked here.

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Speaker 2: I was like, are you still there? Hello?

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Speaker 1: No, I was just like taking that all because like

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Speaker 1: I heard this like at the workshop, and still every

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Speaker 1: time I hear it, I'm just like astonished. I love

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Speaker 1: what you said about really starting from the bottom, like

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Speaker 1: you said, one bedroom apartment, and you built yourself up

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Speaker 1: use the equity. And you also something that I love

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Speaker 1: is how you know you had the opportunity to live

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Speaker 1: in that renovated, beautiful house and then the smartest thing

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Speaker 1: was to you know, rent it out to someone use

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Speaker 1: that money, and you kept building. And I really love

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Speaker 1: you're so what's it called, like not business minded, but.

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Speaker 2: You're very savvy.

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Speaker 1: I don't know, it's so it's so savvy and I

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Speaker 1: love that. Can you add a little bit more about

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Speaker 1: how then like investing in property, what sort of opportunities

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Speaker 1: that has brought you.

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Speaker 2: Yeah, so I'm going to touch on that, but before

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Speaker 2: you just made me think of something. One of the

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Speaker 2: other things about the portfolio building was is that you know,

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Speaker 2: people are always like you said, from the bottom, I

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Speaker 2: bought a one bedroom unit and see people I feel

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Speaker 2: like our generation is like I have to have that

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Speaker 2: end thing now, and I don't want to wait for

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Speaker 2: it right. But the thing is is that's where they

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Speaker 2: make the mistake. So for me, I never felt a

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Speaker 2: one bedroom was bad, no matter what anyone told me.

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Speaker 2: I mean, I was just like, this is what I

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Speaker 2: have to do to get in, and this is you know,

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Speaker 2: this is in the right location. So location and all

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Speaker 2: the other things that we look at. So for me,

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Speaker 2: I knew that it was part of the plan. It

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Speaker 2: wasn't the end game, you know, like it wasn't like, oh,

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Speaker 2: that's it, you know, like I'm buying a one bedroom

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Speaker 2: and that's it. I knew every single thing was a

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Speaker 2: stepping stone to the next thing. And that's what people

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Speaker 2: need to understand is it's like there's a stratagy, like

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Speaker 2: you have to have an end roadmap. So like my

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Speaker 2: plan was that's what I want to do. I want

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Speaker 2: to buy a house in that area, and I want

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Speaker 2: to you know, build this architecturally designed property, and then

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Speaker 2: I want to do this, and then I want to

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Speaker 2: do that. So I had plans for what I was doing.

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Speaker 2: It wasn't just because people told me to buy a property.

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Speaker 2: I had a plan. Yeah, So that's I just wanted

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Speaker 2: to touch on that, and then therefore everything I was

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Speaker 2: doing on a daily basis was part of that plan.

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Speaker 2: And it feels like you're progressing, not that you've you're

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Speaker 2: not progressing, Like it's everything's about progress, you know what.

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Speaker 1: I also just kind of thought of, I'm going to

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Speaker 1: go on a bit of a whim here bit something

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Speaker 1: that came to mind and one hundred percent agree about

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Speaker 1: kind of you know, with this our sort of generation

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Speaker 1: they do they want the best and like the bold

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Speaker 1: and the best right now, and what you were saying

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Speaker 1: about working for it, and it really reminds me of

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Speaker 1: something that me and my dad have spoken about, and

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Speaker 1: it's about delayed gratification. And so I'm so interested in

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Speaker 1: property because my parents kind of similar to you, where

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Speaker 1: they you know, they started really small. They use the equity,

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Speaker 1: they'd buy another house. And then also my parents have

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Speaker 1: a portfolio of not not as much as you. Basically

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Speaker 1: they retired when they were fifty and they live off

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Speaker 1: the income and the rent of the properties, if that

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Speaker 1: makes sense. So that had been very smart in that way.

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Speaker 1: And I remember speaking to my dad once and you know,

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Speaker 1: like growing up we lived in it was just kind

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Speaker 1: of like it was a nice house, but it was

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Speaker 1: just like it was very basic. And Claire I remember

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Speaker 1: asking Dad once and being like, Dad, like, I know

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Speaker 1: you could afford a really like mint sick house, if

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Speaker 1: that makes sense, and he was like, yeah, for sure,

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Speaker 1: but then you know, I wouldn't be able to spread

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Speaker 1: my money out in these like five properties that we

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Speaker 1: get we then get print off, and we wouldn't be

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Speaker 1: able to retire when we're fifty. And like my parents

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Speaker 1: they retired, they bought a boat, they went sailing. They're

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Speaker 1: all about the adventure and like living their life, not

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Speaker 1: just like working. That makes sense. So I really love

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Speaker 1: that you touched on that, and that's something I definitely

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Speaker 1: a spy in regards to delayed gratification and like working

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Speaker 1: your way up if that makes sense.

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Speaker 2: Yeah, one hundred percent delayed gratification is like I mean,

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Speaker 2: I touch on that in the workshop about gratification and comparison,

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Speaker 2: and it is it's like, well, I have this random,

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Speaker 2: not an argument, but a healthy debate with people when

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Speaker 2: they talk about like through friends, not like clients, but

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Speaker 2: friends where I'm like, you know, they say, oh, I

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Speaker 2: just want to travel the world, right, that's my goal,

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Speaker 2: And I'm like we'll go do it now. And they're like,

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Speaker 2: what do you mean? And I was like, well, it

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Speaker 2: just depends on what kind of lifestyle you want to have, right,

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Speaker 2: That's key. So it's like, if you want to just

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Speaker 2: travel the world, then really anyone can just travel. It

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Speaker 2: just depends. You might be backpacking though, and you might

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Speaker 2: have to like work in each location, make some money,

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Speaker 2: and then keep traveling. But if you want to travel

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Speaker 2: five star and not have to work, then yeah, that's

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Speaker 2: a different story. So it's all about what do you

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Speaker 2: want your lifestyle to look like? And I love you

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Speaker 2: a story about your dad because I could be the same,

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Speaker 2: Like I could have this next level pimpin like you

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Speaker 2: know that house I've shown I think I've shown you

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Speaker 2: I put on my stories, which is like yeah, I

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Speaker 2: think it's this is the ten million dollar one. Yeah,

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Speaker 2: and I'm like that's goals, right, But then I'm like, realistically,

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Speaker 2: it's similar sized to the property that I built, and

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Speaker 2: like I was like I was doing skids around and

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Speaker 2: moon walking around the house because it's just too much space.

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Speaker 2: Like it was like, why, you know, it just depends

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Speaker 2: if you just want to have something so crazy that

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Speaker 2: all your money goes towards then that's it. But how

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Speaker 2: do you want your life to look? And the key

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Speaker 2: to that is is all of us, especially I am

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Speaker 2: jen Y, is that we want to be able to

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Speaker 2: do everything that we do, but we still also want

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Speaker 2: to have property and assets. So the key is is, well,

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Speaker 2: figure out how you can do all those things. And

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Speaker 2: that's where I talk a lot about the rent vesting.

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Speaker 2: But you can do the things you want to do.

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Speaker 2: But the key is, and the key has always been,

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Speaker 2: is make your money work for you when you work.

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Speaker 2: That's it. It's like spend less on things you don't need.

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Speaker 2: Like now I'm loving COVID because so many people that

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Speaker 2: I've been speaking to about like budgeting, are like, oh

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Speaker 2: my god, I've just paid off all my debt, Like

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Speaker 2: I don't I have Literally, Like I'm getting all these

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Speaker 2: calls from people going guess what, I just paid off

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Speaker 2: all my loans And I was like in three months

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Speaker 2: and they're like, yep, because I haven't got lashes, I

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Speaker 2: haven't got nails, I haven't got I'm like see see.

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Speaker 1: I was about to ask, I don't confused what happened?

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Speaker 1: But no, I get it.

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Speaker 2: Yeah, do you get what I'm saying, like the point

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Speaker 2: is is that people don't realize they don't really need

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Speaker 2: that stuff, but they get so attached to it. But

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Speaker 2: then when you make them like I always say, it's

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Speaker 2: a choice, your priority is to have this over this,

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Speaker 2: and they're like no, no, no no. And now because

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Speaker 2: of COVID, these people have cleared out their debts because

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Speaker 2: they have no like they can't go get that stuff.

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Speaker 2: Now they're like, I now understand how great this feels,

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Speaker 2: you know, how being in control of your money and

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Speaker 2: like I am free. Like so there's so many blessings

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Speaker 2: in COVID that you know, we can find, as you

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Speaker 2: know that I'm seeing for clients. And so it's all

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Speaker 2: about take the money that you earn while you're working,

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Speaker 2: while you're young, where you have the energy, and make

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Speaker 2: some of it work for you. Like a lot of

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Speaker 2: the stuff that I talk about the hardest The hardest

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Speaker 2: thing is getting that deposit together. Once you have the deposit,

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Speaker 2: actually owning the property does not cost you that much

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Speaker 2: money at all. You can it's less than what people

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Speaker 2: spend on smoking or takeout or really eyelashes or any

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Speaker 2: of those things.

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Speaker 1: One hundred, one hundred percent. I love that you touched

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Speaker 1: on that. And it's also like it's so interesting that

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Speaker 1: it's like taken something like this where you can realize

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Speaker 1: that you can live without it, Like even me and

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Speaker 1: my lashes. It's really funny because I have had like

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Speaker 1: lash extensions on for probably close to four years, non

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Speaker 1: like rough breaks, and it's just like I've always just

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Speaker 1: constantly redone them, loved them, and I was like, oh

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Speaker 1: my god, I just couldn't imagine myself without them. And

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Speaker 1: now I don't have them, and I'm like, oh, like

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Speaker 1: I really don't mind it, Like it's a bit different.

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Speaker 2: I love you with that, but it becomes an identity.

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Speaker 2: I get it. I get it. I'm not saying like

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Speaker 2: I totally that's what it is. It becomes a part

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Speaker 2: of your identity. So you feel like you've lost what

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Speaker 2: you who you are without something that you've been.

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Speaker 1: So used to that And it's funny you say that though,

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Speaker 1: because I've actually had quite a few people like DM

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Speaker 1: me being like you, I actually wait prefer you about

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Speaker 1: the lashes, and now I've seen it, I'm like, yeah, interesting.

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Speaker 2: You look so natural and natural is always the best.

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Speaker 2: But like I feel you like my problem, right, now

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Speaker 2: is my eyebrows. It's like, I'm like, my eyebrows grow

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Speaker 2: every two weeks and it looks like I don't have

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Speaker 2: them done. It's been like six weeks. You have no

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Speaker 2: idea how much pencil coloring I'm doing.

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Speaker 1: Funny. This episode is brought to you by Naked Harvest Supplements.

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Speaker 1: I'm sure most of you know who Naked Harvest is,

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00:22:07,880 --> 00:22:10,560
Speaker 1: but if you are new here, Naked Harvest is the

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00:22:10,600 --> 00:22:13,760
Speaker 1: all natural supplement company I co founded with my brother.

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00:22:14,520 --> 00:22:17,720
Speaker 1: Naked Harvest started because I personally had a really bad

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00:22:17,800 --> 00:22:20,679
Speaker 1: experience where I found out a supplement that I was

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Speaker 1: taking had ingredients that were not disclosed on the label,

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00:22:24,560 --> 00:22:27,200
Speaker 1: and even though it said it was natural, it wasn't.

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Speaker 1: As someone who is so conscious about what I put

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00:22:30,840 --> 00:22:33,760
Speaker 1: in my body because of previous health issues, this made

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00:22:33,760 --> 00:22:37,160
Speaker 1: me so upset. So I teamed up with my big brother, Cooper,

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Speaker 1: who is also very health conscious. He is gluten free

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Speaker 1: and dairy intolerant, and we built from the ground up

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00:22:44,640 --> 00:22:47,879
Speaker 1: a company that really cares about what we put in

432
00:22:47,880 --> 00:22:51,840
Speaker 1: our supplements, and also we've stripped it back to only

433
00:22:51,880 --> 00:22:55,840
Speaker 1: have the most necessary and best ingredients. I know we

434
00:22:55,880 --> 00:22:57,959
Speaker 1: are all going through a hard time right now with

435
00:22:58,040 --> 00:23:00,760
Speaker 1: everything happening in the world, and that's why and H

436
00:23:00,960 --> 00:23:05,119
Speaker 1: really wants to support you. We have planned live community workouts,

437
00:23:05,240 --> 00:23:08,159
Speaker 1: more healthy recipes to our blog, and we will be

438
00:23:08,240 --> 00:23:13,280
Speaker 1: continuously adding more content to an nhhfit community page just

439
00:23:13,320 --> 00:23:16,080
Speaker 1: so we can really support the n hage game. Also,

440
00:23:16,160 --> 00:23:18,480
Speaker 1: I just wanted to say we really appreciate your support

441
00:23:18,520 --> 00:23:21,960
Speaker 1: as NHS a small business, and don't forget my podcast.

442
00:23:22,119 --> 00:23:25,479
Speaker 1: Fam get a special discount which is Rise and Conquer

443
00:23:25,600 --> 00:23:28,800
Speaker 1: fifteen for fifteen percent off. I'll put the link in

444
00:23:28,840 --> 00:23:31,800
Speaker 1: the show notes. Otherwise, head straight to Naked Harvest Supplements

445
00:23:31,800 --> 00:23:36,440
Speaker 1: dot com or follow us on Instagram at Naked Harvest Supplements.

446
00:23:36,760 --> 00:23:39,320
Speaker 1: All right, guys, let's get straight back into the episode.

447
00:23:40,280 --> 00:23:42,720
Speaker 1: I want to chat about Okay, so you've spoken to

448
00:23:42,800 --> 00:23:45,399
Speaker 1: us about the portfolio. You've spoken to us about the

449
00:23:45,400 --> 00:23:48,520
Speaker 1: opportunities that property can bring us. Can we kind of

450
00:23:48,600 --> 00:23:52,520
Speaker 1: chat about the first steps when starting a property portfolio

451
00:23:52,680 --> 00:23:54,040
Speaker 1: or buying your first property?

452
00:23:54,240 --> 00:23:57,240
Speaker 2: Yeah, so just quickly on the opportunities. I didn't talk

453
00:23:57,280 --> 00:24:01,840
Speaker 2: about how it helped me buy businesses. So yeah, so

454
00:24:01,960 --> 00:24:04,560
Speaker 2: real quick, like a lot of people, like when people

455
00:24:04,640 --> 00:24:08,119
Speaker 2: ask me why real estate and like why do I

456
00:24:08,160 --> 00:24:11,920
Speaker 2: like love real estate so much. It's because real estate

457
00:24:11,960 --> 00:24:15,280
Speaker 2: gives you so much leverage to other things. So within

458
00:24:15,520 --> 00:24:18,040
Speaker 2: the years that I was owning and building my portfolio,

459
00:24:18,200 --> 00:24:21,000
Speaker 2: I've been building my business since I was nineteen as well.

460
00:24:21,320 --> 00:24:23,880
Speaker 2: So as I was building my business like I never

461
00:24:23,960 --> 00:24:28,720
Speaker 2: got any loans, nothing. It was just all like work, reinvest, work, reinvest,

462
00:24:28,880 --> 00:24:32,240
Speaker 2: And then I had an opportunity in two thousand. I

463
00:24:32,320 --> 00:24:35,239
Speaker 2: started to look for opportunities in two thousand and it

464
00:24:35,280 --> 00:24:39,960
Speaker 2: was twelve, yeah, twenty twelve, and looking for a business

465
00:24:39,960 --> 00:24:42,119
Speaker 2: to buy that would be a part of what we

466
00:24:42,160 --> 00:24:46,080
Speaker 2: already do now. So I was able to purchase back

467
00:24:46,119 --> 00:24:49,960
Speaker 2: then a business for over a million dollars at my age,

468
00:24:49,960 --> 00:24:51,879
Speaker 2: which I don't know how old, We'll have to figure

469
00:24:51,880 --> 00:24:53,760
Speaker 2: that out. In the twenties. I was in my twenties,

470
00:24:54,119 --> 00:24:57,400
Speaker 2: and I was only able to do that through actually

471
00:24:57,480 --> 00:25:00,639
Speaker 2: owning property. And how was that I was able to

472
00:25:01,080 --> 00:25:04,080
Speaker 2: one the banks were only able to lend me a

473
00:25:04,119 --> 00:25:07,520
Speaker 2: certain lower percentage for a business, but I had property,

474
00:25:07,600 --> 00:25:09,720
Speaker 2: so they took me seriously and they gave me some

475
00:25:09,960 --> 00:25:12,920
Speaker 2: loans and the balance of the money came from actually

476
00:25:12,960 --> 00:25:16,040
Speaker 2: and I sold one of my properties and had capital.

477
00:25:16,520 --> 00:25:19,080
Speaker 2: So the debt that I actually ended up getting to

478
00:25:19,119 --> 00:25:22,840
Speaker 2: buy that business, which was a significant cash flow business,

479
00:25:23,480 --> 00:25:26,000
Speaker 2: was like at fifty percent. And I would not have

480
00:25:26,080 --> 00:25:28,760
Speaker 2: even been able to buy the business if I didn't

481
00:25:28,800 --> 00:25:31,600
Speaker 2: own a property being an asset, because the banks don't

482
00:25:31,640 --> 00:25:34,360
Speaker 2: even look at you for that type of thing if

483
00:25:34,359 --> 00:25:37,080
Speaker 2: you don't own a property or some sick or a

484
00:25:37,160 --> 00:25:40,400
Speaker 2: huge share portfolio. But you have to have that ability.

485
00:25:40,760 --> 00:25:43,919
Speaker 2: And so owning the properties has given me options to

486
00:25:44,040 --> 00:25:49,440
Speaker 2: expand my business. That's really really key. Owning a property

487
00:25:49,480 --> 00:25:52,439
Speaker 2: has also enabled me to be able to travel and

488
00:25:52,520 --> 00:25:56,120
Speaker 2: live the life that I actually live because the properties

489
00:25:56,200 --> 00:25:59,480
Speaker 2: are paying for themselves. And also I can actually make

490
00:25:59,520 --> 00:26:03,480
Speaker 2: income my properties now. So what it's done is it's

491
00:26:03,560 --> 00:26:07,600
Speaker 2: created opportunities. Without one property, I wouldn't I wouldn't be

492
00:26:08,200 --> 00:26:11,680
Speaker 2: in the position that I am. And without multiple properties,

493
00:26:11,760 --> 00:26:17,880
Speaker 2: it's given me opportunities to leverage, buy other things, buy businesses, travel.

494
00:26:18,119 --> 00:26:21,600
Speaker 2: Property gives you heaps of options like and the more

495
00:26:21,640 --> 00:26:24,399
Speaker 2: you own, that's where the more you own then you

496
00:26:24,480 --> 00:26:28,359
Speaker 2: have the ability to gain from multiple growth, which is

497
00:26:28,400 --> 00:26:31,399
Speaker 2: compound growth, which is if you own one property, the

498
00:26:31,520 --> 00:26:35,320
Speaker 2: values like we have a property boom. One property goes up.

499
00:26:35,560 --> 00:26:38,320
Speaker 2: But if you own multiple properties and you have a boom,

500
00:26:38,520 --> 00:26:42,000
Speaker 2: you have multiple assets go up in value, which means

501
00:26:42,280 --> 00:26:45,919
Speaker 2: you could decide to sell that, pay out debts on

502
00:26:46,000 --> 00:26:48,119
Speaker 2: the home that you live in. You could then leverage.

503
00:26:48,119 --> 00:26:50,920
Speaker 2: So you've just got more options when it comes to property.

504
00:26:51,440 --> 00:26:54,080
Speaker 1: Yeah. I love that, And I love what you said

505
00:26:54,119 --> 00:26:58,280
Speaker 1: about like using one leveraging it, getting another using that

506
00:26:58,440 --> 00:27:01,960
Speaker 1: leveraging it. And then once you you have a portfolio,

507
00:27:02,000 --> 00:27:05,480
Speaker 1: like you like using that to buy business and yeah.

508
00:27:05,240 --> 00:27:08,600
Speaker 2: Yeah, like even with with you, I don't know if

509
00:27:08,640 --> 00:27:11,600
Speaker 2: you've experienced it yet. If you were looking at, say

510
00:27:11,640 --> 00:27:14,679
Speaker 2: you were going out to buy a warehouse for one

511
00:27:14,720 --> 00:27:17,359
Speaker 2: of your businesses, If you were looking at doing that

512
00:27:17,400 --> 00:27:20,440
Speaker 2: and you had no assets behind you, you just wouldn't

513
00:27:20,440 --> 00:27:23,359
Speaker 2: be able to do it. Yeah, but because you have assets,

514
00:27:23,480 --> 00:27:26,840
Speaker 2: you can get leverage from the bank's lending, and two

515
00:27:26,920 --> 00:27:30,600
Speaker 2: you can get better rates on that facility. So these

516
00:27:30,600 --> 00:27:32,800
Speaker 2: are the things that people don't realize property does.

517
00:27:33,280 --> 00:27:36,640
Speaker 1: And even so to interrupted, even like when we were

518
00:27:36,640 --> 00:27:39,680
Speaker 1: buying our second house, we were going for a pretty

519
00:27:39,720 --> 00:27:42,679
Speaker 1: big loan that like at our age, we probably wouldn't

520
00:27:42,720 --> 00:27:45,560
Speaker 1: have got, but because we had the previous property and

521
00:27:45,600 --> 00:27:47,720
Speaker 1: the bank could see that like we made all of

522
00:27:47,760 --> 00:27:50,000
Speaker 1: our payments on time, and like we were all in

523
00:27:50,080 --> 00:27:52,359
Speaker 1: positive and all that sort of thing that like we

524
00:27:52,440 --> 00:27:55,680
Speaker 1: got that second loan and it's almost like keeping that

525
00:27:56,080 --> 00:27:59,000
Speaker 1: trust out with the banks and that sort of thing.

526
00:27:59,080 --> 00:28:03,080
Speaker 1: So one hundred percent, Yes, yes, amazing. Okay, so let's

527
00:28:03,119 --> 00:28:05,680
Speaker 1: move on to now and let's go into like the

528
00:28:05,720 --> 00:28:09,880
Speaker 1: first steps to starting property portfoloo or buying your first property.

529
00:28:10,040 --> 00:28:13,680
Speaker 2: Yeah, so first step would be to save your deposit.

530
00:28:14,320 --> 00:28:16,200
Speaker 2: So that would be one of the first things that

531
00:28:16,240 --> 00:28:18,840
Speaker 2: you're doing is get a really good budget in place

532
00:28:19,000 --> 00:28:23,160
Speaker 2: and manage like how you're managing your current money. Save,

533
00:28:23,359 --> 00:28:25,680
Speaker 2: you know, review what you're doing, save as much as

534
00:28:25,680 --> 00:28:28,680
Speaker 2: you can get the deposit together. So once you've got

535
00:28:28,680 --> 00:28:31,720
Speaker 2: that deposit together, then what you're looking at doing is

536
00:28:31,840 --> 00:28:35,000
Speaker 2: making sure like finding out what you can borrow and

537
00:28:35,040 --> 00:28:38,280
Speaker 2: what your capacity is for property. So what we normally

538
00:28:38,320 --> 00:28:41,400
Speaker 2: do is we look at, you know, once someone's got

539
00:28:41,400 --> 00:28:43,760
Speaker 2: their deposit, we'll look at doing a roadmap for the

540
00:28:43,800 --> 00:28:47,200
Speaker 2: client and some numbers around. Okay, X is what we're

541
00:28:47,200 --> 00:28:49,960
Speaker 2: looking at in terms of purchase price, what are the

542
00:28:50,000 --> 00:28:52,280
Speaker 2: different types of assets you could buy? And that's if

543
00:28:52,320 --> 00:28:55,040
Speaker 2: you're looking at an investment property. If you're looking at

544
00:28:55,040 --> 00:28:57,760
Speaker 2: something to live in, then obviously it would be like,

545
00:28:57,880 --> 00:29:00,120
Speaker 2: this is the area I want to live in and

546
00:28:59,800 --> 00:29:02,080
Speaker 2: the working out if you have the capacity to buy

547
00:29:02,120 --> 00:29:05,000
Speaker 2: in that area. So then you would be looking at

548
00:29:05,040 --> 00:29:08,480
Speaker 2: the loan side of things and applying for a loan

549
00:29:08,520 --> 00:29:11,760
Speaker 2: and a preapproval to make sure that you are eligible

550
00:29:11,800 --> 00:29:14,760
Speaker 2: for that type of money. From there, you would then

551
00:29:15,040 --> 00:29:17,040
Speaker 2: I would say, you want to work with an expert.

552
00:29:17,120 --> 00:29:20,400
Speaker 2: So it's still like, I mean, it still blows my

553
00:29:20,480 --> 00:29:22,600
Speaker 2: mind whether you're buying a property to live in or

554
00:29:22,680 --> 00:29:26,600
Speaker 2: invest that you wouldn't actually engage an expert to help

555
00:29:26,640 --> 00:29:30,280
Speaker 2: you navigate through the property game. So I would say

556
00:29:30,360 --> 00:29:32,440
Speaker 2: I would I would be speaking to an expert, whether

557
00:29:32,480 --> 00:29:36,040
Speaker 2: you're engaging them as the full service or where you

558
00:29:36,040 --> 00:29:38,880
Speaker 2: know they're sitting behind you as a mentor to guide

559
00:29:38,880 --> 00:29:41,160
Speaker 2: you on how much should you offer? What are the

560
00:29:41,200 --> 00:29:44,479
Speaker 2: prices in the property and that area going for? And

561
00:29:44,520 --> 00:29:46,680
Speaker 2: then yeah, so really it's like what am I buying?

562
00:29:46,760 --> 00:29:50,040
Speaker 2: What am I looking for? That's the following step From there,

563
00:29:50,360 --> 00:29:51,800
Speaker 2: am I answering the question? Actually?

564
00:29:51,880 --> 00:29:53,320
Speaker 1: Is that what youre ask you to keep going?

565
00:29:55,920 --> 00:29:58,720
Speaker 2: So yeah, and then once you've owned that property. I

566
00:29:58,720 --> 00:30:01,040
Speaker 2: would set up the clients so that the first property,

567
00:30:01,360 --> 00:30:03,760
Speaker 2: I would set up the client with a strategy to

568
00:30:03,880 --> 00:30:07,280
Speaker 2: also keep so what they were saving to buy a

569
00:30:07,320 --> 00:30:09,360
Speaker 2: property and get the deposit, I would still have a

570
00:30:09,400 --> 00:30:12,920
Speaker 2: strategy for the client to be actually paying down the

571
00:30:13,000 --> 00:30:16,080
Speaker 2: debt on this first property, whether it's an investment or

572
00:30:16,120 --> 00:30:18,840
Speaker 2: to live in, so that they're building up equity at

573
00:30:18,840 --> 00:30:21,320
Speaker 2: the same time as a little bit faster, you know

574
00:30:21,360 --> 00:30:24,720
Speaker 2: what I mean. So they're paying down the normal repayments

575
00:30:24,760 --> 00:30:28,040
Speaker 2: and they're building up equity by injecting extra whether it's

576
00:30:28,080 --> 00:30:30,480
Speaker 2: through the offset account or another way that we would

577
00:30:30,520 --> 00:30:34,160
Speaker 2: set that up that way, if you buy a property

578
00:30:34,160 --> 00:30:37,040
Speaker 2: in the right area, you've got your equity going in

579
00:30:37,080 --> 00:30:40,920
Speaker 2: as extra payments plus over that seven to ten year period,

580
00:30:40,960 --> 00:30:43,640
Speaker 2: depending on where you've bought in the cycle, you'll you'll

581
00:30:43,680 --> 00:30:47,120
Speaker 2: have an increase in the value, so you'll have you'll

582
00:30:47,160 --> 00:30:50,360
Speaker 2: get there sooner to be able to buy the next property.

583
00:30:50,600 --> 00:30:53,120
Speaker 2: That's kind of the strategy, but that I would keep

584
00:30:53,240 --> 00:30:56,520
Speaker 2: working off for a client as I'm building from one

585
00:30:56,600 --> 00:30:57,200
Speaker 2: to the next.

586
00:30:58,240 --> 00:31:01,480
Speaker 1: I want to touch on that. So me and Ida,

587
00:31:01,640 --> 00:31:06,440
Speaker 1: we do private coaching together, and we were chatting about

588
00:31:06,440 --> 00:31:09,160
Speaker 1: my mortgage, and so at the moment, I'm just paying

589
00:31:09,240 --> 00:31:12,360
Speaker 1: like the basic payment just to kind of get vibe

590
00:31:12,400 --> 00:31:17,080
Speaker 1: that make the minimum payment, that's what it's called. Basically,

591
00:31:17,560 --> 00:31:20,760
Speaker 1: me and Idol were chatting and I just told her about,

592
00:31:20,760 --> 00:31:23,160
Speaker 1: like what's my interest rate and half of mine is

593
00:31:23,200 --> 00:31:26,920
Speaker 1: fixed and half of it is flexible, and she crunched

594
00:31:26,960 --> 00:31:28,880
Speaker 1: the numbers like literally in front of me. It was crazy.

595
00:31:30,200 --> 00:31:33,120
Speaker 1: We realized that if I put I think it was

596
00:31:33,240 --> 00:31:37,160
Speaker 1: only like two hundred dollars extra a month in or

597
00:31:37,240 --> 00:31:40,040
Speaker 1: maybe it was four hundred or something like that, and

598
00:31:40,120 --> 00:31:45,400
Speaker 1: then the difference over the timeline was actually like extraordinary.

599
00:31:45,480 --> 00:31:47,440
Speaker 1: And I was like, oh my god, I've been so

600
00:31:47,480 --> 00:31:50,479
Speaker 1: silly not doing that because financially, like I could do

601
00:31:50,520 --> 00:31:52,200
Speaker 1: that little bit of extra money at the end of

602
00:31:52,200 --> 00:31:54,720
Speaker 1: the month, Whereas if I just like kind of didn't

603
00:31:54,760 --> 00:31:57,720
Speaker 1: have that knowledge and didn't really have specifics on the

604
00:31:57,800 --> 00:32:00,720
Speaker 1: numbers and get advice from her in that regards, I

605
00:32:00,720 --> 00:32:03,120
Speaker 1: would have just like been paying the minimum payment. And

606
00:32:03,160 --> 00:32:06,080
Speaker 1: then also, such a big thing with money is like

607
00:32:06,600 --> 00:32:09,160
Speaker 1: if it's there, you genuinely spend it. Like if you've

608
00:32:09,160 --> 00:32:11,800
Speaker 1: paid your mortgage, you've paid your bills, and you're like oh, yeah,

609
00:32:11,920 --> 00:32:13,760
Speaker 1: like I've got this money, I'm going to go buy

610
00:32:14,040 --> 00:32:17,200
Speaker 1: you know whatever. So I love that you touch on

611
00:32:17,240 --> 00:32:19,840
Speaker 1: that because it's just like even small things like that,

612
00:32:19,920 --> 00:32:22,960
Speaker 1: even though that's not the biggest thing when we crunch

613
00:32:23,040 --> 00:32:25,080
Speaker 1: the numbers over I think it was like the twenty

614
00:32:25,160 --> 00:32:26,080
Speaker 1: years or something.

615
00:32:26,520 --> 00:32:30,240
Speaker 2: Yeah, thirty years. Yeah, it was like seven years or

616
00:32:30,280 --> 00:32:32,360
Speaker 2: something that you would cut off.

617
00:32:32,440 --> 00:32:34,760
Speaker 1: Yeah, and it was like over forty grand or something

618
00:32:34,800 --> 00:32:36,880
Speaker 1: that I would say it was like a ridiculous amount

619
00:32:36,880 --> 00:32:39,320
Speaker 1: of money that it's like, oh my god, what have

620
00:32:39,400 --> 00:32:42,800
Speaker 1: I been doing sort of thing. And I caught that now,

621
00:32:43,440 --> 00:32:44,880
Speaker 1: not you know, in ten years time.

622
00:32:45,400 --> 00:32:47,600
Speaker 2: Yeah. I mean a lot of people don't even think

623
00:32:47,640 --> 00:32:49,440
Speaker 2: about that stuff because you go to a broker, they

624
00:32:49,520 --> 00:32:51,960
Speaker 2: just give you the loan and then you go buy

625
00:32:51,960 --> 00:32:55,080
Speaker 2: the property. You buy the property, but there's that gap

626
00:32:55,160 --> 00:32:57,520
Speaker 2: which we try to feel with clients, which is like

627
00:32:57,640 --> 00:33:00,520
Speaker 2: really reviewing every element of what you're trying to achieve.

628
00:33:01,160 --> 00:33:04,040
Speaker 2: And it's something that I always say is like anyone

629
00:33:04,040 --> 00:33:07,360
Speaker 2: can sell you a property, right, but like anyone can

630
00:33:07,360 --> 00:33:09,520
Speaker 2: buy a property, and anyone can sell you a property,

631
00:33:09,640 --> 00:33:12,840
Speaker 2: but how do you actually own an investment or own

632
00:33:12,880 --> 00:33:15,240
Speaker 2: a property, or how do you actually have residual income,

633
00:33:15,760 --> 00:33:17,520
Speaker 2: right because people are like, oh, I just want to

634
00:33:17,520 --> 00:33:19,719
Speaker 2: live off the rant. I'm like, cool, so how are

635
00:33:19,760 --> 00:33:22,400
Speaker 2: you planning on doing that? Like how did you think

636
00:33:22,440 --> 00:33:25,000
Speaker 2: that you would be doing that? Because everyone just buys

637
00:33:25,000 --> 00:33:27,520
Speaker 2: property and has no understanding as to like how you're

638
00:33:27,560 --> 00:33:30,360
Speaker 2: supposed to actually do it. So that's where we actually

639
00:33:30,360 --> 00:33:32,800
Speaker 2: explain to people what you're required to do during that

640
00:33:32,880 --> 00:33:35,120
Speaker 2: timeframe as well. Yeah, simple thing.

641
00:33:35,200 --> 00:33:38,000
Speaker 1: And I think it's also sorry to keep touching on

642
00:33:38,200 --> 00:33:40,800
Speaker 1: my situation. It's just like easy to resonate. But I

643
00:33:40,800 --> 00:33:45,280
Speaker 1: think it's also I was talking to Eida because we

644
00:33:45,360 --> 00:33:47,400
Speaker 1: were kind of going back and forth about this, like

645
00:33:47,480 --> 00:33:51,640
Speaker 1: I want to buy a new car, and I in

646
00:33:51,760 --> 00:33:54,960
Speaker 1: previous I think it's like something ingrained from my parents

647
00:33:55,080 --> 00:33:57,680
Speaker 1: or something, but I have never got a car loan

648
00:33:57,800 --> 00:33:59,760
Speaker 1: like ed the car I have now, Like I always

649
00:33:59,760 --> 00:34:03,080
Speaker 1: do an upfront payment because a car loan the interest

650
00:34:03,160 --> 00:34:06,160
Speaker 1: is generally a lot higher. And so I have this

651
00:34:06,160 --> 00:34:07,560
Speaker 1: thing in my head that I was like, oh no,

652
00:34:07,640 --> 00:34:09,440
Speaker 1: like I'm not getting alone, Like I would just use

653
00:34:09,480 --> 00:34:12,120
Speaker 1: the money in my bank and then Ida like we

654
00:34:12,239 --> 00:34:15,920
Speaker 1: crunch the numbers of like instead of using that for

655
00:34:16,239 --> 00:34:19,640
Speaker 1: a car loan keeping that for a deposit for a

656
00:34:19,719 --> 00:34:23,799
Speaker 1: possible investment, and then doing like a half car loan

657
00:34:23,880 --> 00:34:26,040
Speaker 1: or something like that. So you punch the numbers together

658
00:34:26,400 --> 00:34:28,439
Speaker 1: and like worked out this way, and yes I will

659
00:34:28,480 --> 00:34:31,839
Speaker 1: be paying you know, interest on the car. But it's

660
00:34:31,880 --> 00:34:33,719
Speaker 1: like going to be through my business and like all

661
00:34:33,760 --> 00:34:35,839
Speaker 1: these sorts of things. And I was just like, it's

662
00:34:35,840 --> 00:34:38,319
Speaker 1: almost like I saw the light a bit and I

663
00:34:38,360 --> 00:34:41,279
Speaker 1: was like, oh, another way to do things that, like

664
00:34:41,440 --> 00:34:42,560
Speaker 1: it makes more sense.

665
00:34:43,120 --> 00:34:45,360
Speaker 2: Yeah, that's right, that's right. But the thing is is

666
00:34:45,400 --> 00:34:47,520
Speaker 2: you only know what you know, right, yeah, And this

667
00:34:47,600 --> 00:34:49,920
Speaker 2: is this is the thing is like why I'm so

668
00:34:50,080 --> 00:34:53,560
Speaker 2: passionate about getting like trying to get my message out

669
00:34:53,600 --> 00:34:56,920
Speaker 2: so much more because it's like people just don't know

670
00:34:57,280 --> 00:34:59,480
Speaker 2: that there's people that can help you with these things.

671
00:35:00,080 --> 00:35:03,960
Speaker 2: It's like that's why I get like frustrated when I

672
00:35:04,040 --> 00:35:07,239
Speaker 2: hear things that people have done, you know, and I'm like,

673
00:35:07,320 --> 00:35:09,960
Speaker 2: oh my god, I wish I knew you you know. Yeah,

674
00:35:10,000 --> 00:35:12,879
Speaker 2: So it's you only know what you know. But through

675
00:35:12,960 --> 00:35:15,440
Speaker 2: I mean, what you're doing with your podcast and everything,

676
00:35:15,480 --> 00:35:18,600
Speaker 2: it's it's sharing so much knowledge about different things that

677
00:35:18,640 --> 00:35:21,960
Speaker 2: people don't have access to. So it's it's awesome, But

678
00:35:22,000 --> 00:35:24,040
Speaker 2: once you know it, it's what you do with it,

679
00:35:24,280 --> 00:35:26,200
Speaker 2: so you can't say no one told you after.

680
00:35:26,000 --> 00:35:28,279
Speaker 1: That, Yes, one hundred cent, And that's like that is

681
00:35:28,320 --> 00:35:30,799
Speaker 1: a big thing about a podcast is like I love

682
00:35:30,920 --> 00:35:34,160
Speaker 1: talking about my health and my manifesting and all my

683
00:35:34,280 --> 00:35:37,000
Speaker 1: different topics and like this, And the reason why I

684
00:35:37,000 --> 00:35:38,680
Speaker 1: want to get you on the podcast so much is

685
00:35:38,719 --> 00:35:42,040
Speaker 1: like this stuff is so important guys, and to take

686
00:35:42,080 --> 00:35:44,839
Speaker 1: this seriously and like I'd have said, like make your

687
00:35:44,880 --> 00:35:48,000
Speaker 1: money work for you by these little like little tips

688
00:35:48,000 --> 00:35:51,160
Speaker 1: and tricks so important, so it make sure you're educating yourself.

689
00:35:51,520 --> 00:35:53,959
Speaker 1: I also want to chat about you kind of touched

690
00:35:54,000 --> 00:35:56,360
Speaker 1: on this before, but I know a lot of people

691
00:35:56,360 --> 00:35:59,759
Speaker 1: can kind of have a negative idea surrounding property, so

692
00:35:59,800 --> 00:36:03,080
Speaker 1: you know, stuff like people are scared about mortgages being

693
00:36:03,200 --> 00:36:06,400
Speaker 1: tied down or what if the property market changes and

694
00:36:06,719 --> 00:36:08,439
Speaker 1: all that sort of thing. Can you kind of run

695
00:36:08,800 --> 00:36:12,000
Speaker 1: us about your mindset and that those sorts of things.

696
00:36:12,520 --> 00:36:16,600
Speaker 2: Yeah, Look, I think again what you said is perfect mindset.

697
00:36:16,680 --> 00:36:20,560
Speaker 2: It's all around your money mindset. That what you've exactly

698
00:36:20,640 --> 00:36:24,480
Speaker 2: just said is around people's negative thoughts around money in

699
00:36:24,560 --> 00:36:26,840
Speaker 2: general or things that happened to you as a kid.

700
00:36:27,160 --> 00:36:30,680
Speaker 2: So people that usually have a real negative around being

701
00:36:30,800 --> 00:36:34,360
Speaker 2: stuck or tied down is because they saw their parents

702
00:36:34,360 --> 00:36:37,320
Speaker 2: struggle in a way, or they heard their parents talk

703
00:36:37,360 --> 00:36:41,480
Speaker 2: about things like not having enough money, or when I

704
00:36:41,800 --> 00:36:44,680
Speaker 2: dig deep around these these things that people come up,

705
00:36:45,040 --> 00:36:48,240
Speaker 2: I actually usually find that you know, their parents couldn't

706
00:36:48,360 --> 00:36:50,799
Speaker 2: couldn't meet their payments, they had to sell stuff, and

707
00:36:51,160 --> 00:36:54,360
Speaker 2: so it actually isn't even their stuff. It's coming from,

708
00:36:54,760 --> 00:36:57,760
Speaker 2: you know, their parents or something they saw someone else

709
00:36:57,800 --> 00:36:59,960
Speaker 2: that they that was supposed to be a role model

710
00:37:00,360 --> 00:37:07,600
Speaker 2: suffer through. But it's all about priorities, discipline, mindset. So

711
00:37:08,120 --> 00:37:13,120
Speaker 2: when we talk about property being tied down, that's really

712
00:37:13,160 --> 00:37:16,720
Speaker 2: got to do with you feeling stuck and not safe

713
00:37:17,040 --> 00:37:21,200
Speaker 2: or insecure, right, But a property doesn't really do that. Like,

714
00:37:21,520 --> 00:37:26,239
Speaker 2: if that's what you're afraid of happening, then you can

715
00:37:26,320 --> 00:37:28,920
Speaker 2: break that all down to make it be as comfortable

716
00:37:28,920 --> 00:37:32,560
Speaker 2: as possible. So generally what we look at is, well,

717
00:37:32,560 --> 00:37:35,120
Speaker 2: what are you currently spending So if you want to

718
00:37:35,120 --> 00:37:36,720
Speaker 2: buy a property to live in, what are you currently

719
00:37:36,760 --> 00:37:39,200
Speaker 2: spending on rent and other costs? And then you just

720
00:37:39,280 --> 00:37:43,200
Speaker 2: buy within what you're comfortable with the reason people, you know,

721
00:37:43,360 --> 00:37:46,239
Speaker 2: the only way you would feel stuck or tied down

722
00:37:46,360 --> 00:37:49,239
Speaker 2: is if you went outside of your true affordability. So

723
00:37:49,880 --> 00:37:53,440
Speaker 2: if you're clear on what your affordability looks like, and

724
00:37:53,480 --> 00:37:55,719
Speaker 2: you buy within your means, and you touched on this

725
00:37:55,840 --> 00:37:59,600
Speaker 2: before about going lavish and going extreme when maybe that's

726
00:37:59,600 --> 00:38:02,399
Speaker 2: not necess curly what you should be doing within your

727
00:38:02,440 --> 00:38:07,680
Speaker 2: income levels, right, So that's where I don't agree with

728
00:38:08,239 --> 00:38:10,560
Speaker 2: the whole thing. It's just that people are buying things

729
00:38:10,600 --> 00:38:12,960
Speaker 2: outside of their means or spending money they shouldn't be.

730
00:38:13,360 --> 00:38:17,160
Speaker 2: But owning and property is not actually something that ties

731
00:38:17,200 --> 00:38:18,920
Speaker 2: you down. And if you want to travel and you

732
00:38:18,960 --> 00:38:20,799
Speaker 2: want to do all these things, then that's where the

733
00:38:20,840 --> 00:38:23,719
Speaker 2: strategy around rent vesting, which I've done myself for a

734
00:38:23,760 --> 00:38:28,280
Speaker 2: long time, works really well because you're actually not locked

735
00:38:28,320 --> 00:38:31,360
Speaker 2: in to your place and your mortgage. You get someone

736
00:38:31,360 --> 00:38:33,560
Speaker 2: else rented out, you get someone else to pay for it,

737
00:38:33,600 --> 00:38:37,120
Speaker 2: and everything is tax seductible. You're paying right now like

738
00:38:37,280 --> 00:38:39,960
Speaker 2: nothing because the bank loans you can get are like

739
00:38:40,080 --> 00:38:43,200
Speaker 2: in the twos now and the return you can get

740
00:38:43,320 --> 00:38:47,359
Speaker 2: is like four to five, so you're basically getting money

741
00:38:47,400 --> 00:38:50,880
Speaker 2: for free. Now it's like the best time to buy property.

742
00:38:51,320 --> 00:38:54,280
Speaker 2: So there's you know, there's not really a tie down.

743
00:38:54,400 --> 00:38:56,880
Speaker 2: It's that comes down to people's mindset which you need

744
00:38:56,960 --> 00:39:00,720
Speaker 2: to work through. But you can actually work through the numbers.

745
00:39:00,800 --> 00:39:03,080
Speaker 2: Earlier I said, we go through a step which is

746
00:39:03,080 --> 00:39:06,840
Speaker 2: called number crunching, where I actually look at the numbers

747
00:39:06,880 --> 00:39:10,480
Speaker 2: and how much things cost all different scenarios, and then

748
00:39:10,520 --> 00:39:13,800
Speaker 2: you're buying based on the numbers of what you're comfortable

749
00:39:13,840 --> 00:39:14,520
Speaker 2: with outlaying.

750
00:39:15,440 --> 00:39:19,280
Speaker 1: Yeah. Yeah, so you go through everything and one hundred

751
00:39:19,280 --> 00:39:21,480
Speaker 1: percent what you said about like when you actually can

752
00:39:21,520 --> 00:39:24,880
Speaker 1: see when you do country numbers and you can see like, Okay,

753
00:39:24,960 --> 00:39:27,880
Speaker 1: I can actually afford that you will be able to

754
00:39:28,080 --> 00:39:31,800
Speaker 1: sort of if you're a structured, sort of logical person

755
00:39:31,920 --> 00:39:35,440
Speaker 1: like me, you do like kind of overcome that mindset.

756
00:39:35,680 --> 00:39:38,439
Speaker 2: Yeah, But like it's not like when we run through

757
00:39:38,480 --> 00:39:40,680
Speaker 2: the numbers in the workshop and show people how much

758
00:39:40,680 --> 00:39:43,120
Speaker 2: an investment property will cost you, they're like, I'm like,

759
00:39:43,880 --> 00:39:46,120
Speaker 2: so it's positive, gear like it's going to make you

760
00:39:46,200 --> 00:39:48,480
Speaker 2: fifty dollars a week? Can you afford to make fifty

761
00:39:48,520 --> 00:39:50,840
Speaker 2: dollars a week? And it's like yeah, like you know,

762
00:39:51,200 --> 00:39:52,840
Speaker 2: or even if it was like one hundred dollars a

763
00:39:52,840 --> 00:39:55,440
Speaker 2: week or fifty bucks a week, I mean, it's not.

764
00:39:55,920 --> 00:39:58,880
Speaker 2: It's just that people don't understand how that works. And

765
00:39:58,960 --> 00:40:02,120
Speaker 2: when you break it down, and that's with anything in life,

766
00:40:02,239 --> 00:40:04,720
Speaker 2: like if you don't understand how something works, it seems

767
00:40:04,800 --> 00:40:08,080
Speaker 2: really hard to do. But once you break it down

768
00:40:08,400 --> 00:40:12,000
Speaker 2: and simplify it, yeah, it's actually not that difficult. And

769
00:40:12,400 --> 00:40:15,759
Speaker 2: you've got to understand your personality and your lifestyle. So

770
00:40:16,360 --> 00:40:19,320
Speaker 2: when I speak to clients, if someone's like really terrible

771
00:40:19,360 --> 00:40:21,640
Speaker 2: with money, I would say, you're not ready to buy

772
00:40:21,640 --> 00:40:24,320
Speaker 2: a property yet, but let's fix that first, you know

773
00:40:24,360 --> 00:40:26,760
Speaker 2: what I mean. Don't try to put pressure on yourself

774
00:40:26,760 --> 00:40:27,560
Speaker 2: if you're not there yet.

775
00:40:27,640 --> 00:40:31,360
Speaker 1: One hundred percent. I love that. Let's setch gears a

776
00:40:31,400 --> 00:40:33,760
Speaker 1: little bit. And so, like I was kind of saying

777
00:40:33,800 --> 00:40:37,920
Speaker 1: in the episode previously, so Tim and I are thinking

778
00:40:38,080 --> 00:40:43,040
Speaker 1: about buying an investment property this year, and previously we

779
00:40:43,120 --> 00:40:46,560
Speaker 1: have always lived in our houses, and there has definitely

780
00:40:46,600 --> 00:40:49,920
Speaker 1: been like a sort of an emotional attachment to like, oh,

781
00:40:50,000 --> 00:40:52,839
Speaker 1: I'm going to live here. I really want to like it,

782
00:40:52,920 --> 00:40:55,040
Speaker 1: and you know, is the light coming in and all

783
00:40:55,120 --> 00:40:57,799
Speaker 1: those like sort of personal things. But I know when

784
00:40:57,800 --> 00:40:59,759
Speaker 1: you're buying an investment property, it's going to look a

785
00:40:59,760 --> 00:41:02,960
Speaker 1: little bit different. Could you kind of run us through

786
00:41:03,480 --> 00:41:07,480
Speaker 1: of what the steps are going to look like initially

787
00:41:07,680 --> 00:41:09,000
Speaker 1: with an investment property.

788
00:41:09,880 --> 00:41:13,120
Speaker 2: Yeah, so the first steps would be just really looking

789
00:41:13,160 --> 00:41:17,200
Speaker 2: at your current properties. I would do like a review,

790
00:41:17,239 --> 00:41:19,080
Speaker 2: which I've kind of half done, but I would do

791
00:41:19,120 --> 00:41:21,200
Speaker 2: a full review on what you're doing now and look

792
00:41:21,239 --> 00:41:24,640
Speaker 2: at how you're structuring things, and then I would probably

793
00:41:24,680 --> 00:41:28,120
Speaker 2: find out, like, what what's the outcome you're trying to achieve.

794
00:41:28,280 --> 00:41:31,680
Speaker 2: So going back to that roadmap, which we would probably

795
00:41:31,719 --> 00:41:34,680
Speaker 2: do so that we know why we're buying, what we're buying,

796
00:41:35,080 --> 00:41:38,080
Speaker 2: and what the roadmap's going to look like. So I

797
00:41:38,160 --> 00:41:39,879
Speaker 2: mentioned to you a little bit in the past as

798
00:41:39,920 --> 00:41:41,960
Speaker 2: to when you're building a portfolio, if you want to

799
00:41:42,000 --> 00:41:45,200
Speaker 2: be able to use that to have a residual income,

800
00:41:45,239 --> 00:41:47,640
Speaker 2: you have to have strategies that's actually going to be

801
00:41:47,680 --> 00:41:49,920
Speaker 2: able to help you pay down the debt so that

802
00:41:50,000 --> 00:41:52,680
Speaker 2: when you get to retirement you actually can live off

803
00:41:52,719 --> 00:41:56,080
Speaker 2: that income or sell the asset. So for you guys,

804
00:41:56,120 --> 00:41:58,720
Speaker 2: I would be sitting down going through a lot of numbers.

805
00:41:58,760 --> 00:42:02,000
Speaker 2: Initially find at how much you can borrow for your

806
00:42:02,000 --> 00:42:05,799
Speaker 2: next property, so that would be the first step, and

807
00:42:05,840 --> 00:42:08,560
Speaker 2: then looking at how much equity you have how much

808
00:42:08,640 --> 00:42:11,640
Speaker 2: cash you have to buy the next property, So that

809
00:42:11,680 --> 00:42:13,880
Speaker 2: would be the first step, and then we would crunch

810
00:42:13,920 --> 00:42:16,600
Speaker 2: the numbers around that, and then we would start showing

811
00:42:16,640 --> 00:42:20,760
Speaker 2: you types of investments that would fit into those numbers.

812
00:42:21,200 --> 00:42:24,880
Speaker 2: So for example, if you can buy a property another

813
00:42:24,880 --> 00:42:27,880
Speaker 2: property for say six hundred, we would look at what

814
00:42:27,920 --> 00:42:32,080
Speaker 2: are the options for six hundred thousand within your affordability,

815
00:42:32,120 --> 00:42:36,160
Speaker 2: So we'll look at Queensland and Victoria. I'm not doing

816
00:42:36,239 --> 00:42:39,600
Speaker 2: New South Wales because I'm still very in belief that

817
00:42:39,320 --> 00:42:42,680
Speaker 2: that's still over market at the moment. So we would

818
00:42:42,680 --> 00:42:45,120
Speaker 2: look at the options and say, okay, these areas this

819
00:42:45,239 --> 00:42:48,600
Speaker 2: type of property, house, townhouse, unit, right, and then we

820
00:42:48,640 --> 00:42:53,279
Speaker 2: would present those numbers and start educating you around the

821
00:42:53,360 --> 00:42:56,080
Speaker 2: different types of assets that you can buy and what

822
00:42:56,160 --> 00:42:58,160
Speaker 2: one returns and these type of things. So then we

823
00:42:58,160 --> 00:43:01,400
Speaker 2: would start from there look an actual property with you,

824
00:43:02,239 --> 00:43:04,160
Speaker 2: and that's probably the fun step that you would love

825
00:43:04,320 --> 00:43:06,000
Speaker 2: because you're going to be looking at a lot of

826
00:43:06,040 --> 00:43:09,480
Speaker 2: cool property and then once we know what the property is.

827
00:43:09,760 --> 00:43:13,000
Speaker 2: From there, that's where we actually will then facilitate the

828
00:43:13,040 --> 00:43:16,600
Speaker 2: steps to proceed with a property. But there's a lot

829
00:43:16,640 --> 00:43:21,080
Speaker 2: of work involved pre actually looking at property with you guys,

830
00:43:21,200 --> 00:43:23,040
Speaker 2: with anyone really amazing.

831
00:43:23,120 --> 00:43:25,279
Speaker 1: Thank you for sharing that. And I was chatting to

832
00:43:25,320 --> 00:43:28,200
Speaker 1: Ida before and I'm thinking, if me and Tim do

833
00:43:28,320 --> 00:43:31,080
Speaker 1: decide to do something like this year, I'll probably share

834
00:43:31,120 --> 00:43:33,120
Speaker 1: that process with you guys, just so you can have

835
00:43:33,160 --> 00:43:35,919
Speaker 1: a bit more insight, because it would be my first

836
00:43:35,960 --> 00:43:39,440
Speaker 1: time doing an investment property and like going full like

837
00:43:39,520 --> 00:43:41,600
Speaker 1: with a professional and doing that way too, which might

838
00:43:41,640 --> 00:43:44,640
Speaker 1: be interesting for you guys. But who knows, just a little,

839
00:43:44,760 --> 00:43:47,279
Speaker 1: we'll see. I do want to go on to the

840
00:43:47,320 --> 00:43:50,560
Speaker 1: final question and wrap this up, and so this kind

841
00:43:50,600 --> 00:43:53,160
Speaker 1: of touches on what I was saying at the start.

842
00:43:53,200 --> 00:43:55,880
Speaker 1: But in times like this, I know it's super uncertain.

843
00:43:55,960 --> 00:43:58,160
Speaker 1: I know people are feeling like just a little bit

844
00:43:58,239 --> 00:44:02,080
Speaker 1: uncomfortable with it all. What do you think in regards

845
00:44:02,160 --> 00:44:06,120
Speaker 1: to the opportunity to buy, to enter the market. Do

846
00:44:06,160 --> 00:44:08,200
Speaker 1: you think it's a good time. Do you think there's

847
00:44:08,239 --> 00:44:09,720
Speaker 1: going to be more opportunities?

848
00:44:10,239 --> 00:44:13,920
Speaker 2: Let us know, Yeah, this is where millionaires are made

849
00:44:15,120 --> 00:44:20,719
Speaker 2: in downturns. No shit like this is where you know

850
00:44:20,840 --> 00:44:25,400
Speaker 2: the people. And I always refer back to Warren Buffet

851
00:44:25,480 --> 00:44:28,960
Speaker 2: Intelligent Investor, which is like around you know when when

852
00:44:29,000 --> 00:44:33,360
Speaker 2: people are fearful, then be greedy. When people are greedy,

853
00:44:34,239 --> 00:44:37,880
Speaker 2: be fearful. And I've followed that all my life in investing,

854
00:44:38,400 --> 00:44:42,360
Speaker 2: and I've been through multiple downturns. Obviously not a pandemic,

855
00:44:42,440 --> 00:44:45,480
Speaker 2: but I've been through multiple different downturns in the industry

856
00:44:45,600 --> 00:44:49,440
Speaker 2: in this in the finance and property markets, and it

857
00:44:49,560 --> 00:44:53,080
Speaker 2: always will recover. How long that takes is uncertain at

858
00:44:53,080 --> 00:44:57,399
Speaker 2: this time. But there is so much opportunity because when

859
00:44:57,600 --> 00:45:01,520
Speaker 2: more people are scared, then less people are buying, and

860
00:45:01,560 --> 00:45:04,160
Speaker 2: it just goes back to the demand and supply rules.

861
00:45:04,160 --> 00:45:07,160
Speaker 2: So you can actually get properties that you would not

862
00:45:07,280 --> 00:45:10,000
Speaker 2: normally be able to negotiate at those prices because there's

863
00:45:10,120 --> 00:45:13,880
Speaker 2: less people fighting for that property, and there's also going

864
00:45:13,960 --> 00:45:16,319
Speaker 2: to be a definite percentage of people that have to

865
00:45:16,360 --> 00:45:19,960
Speaker 2: sell unfortunately, so there's going to be those type of opportunities.

866
00:45:20,040 --> 00:45:24,040
Speaker 2: The interest rates are the record low ever in history,

867
00:45:24,160 --> 00:45:26,920
Speaker 2: and I've touched on that before, where you know you

868
00:45:26,960 --> 00:45:29,920
Speaker 2: can get rates you know in around the twos, you know,

869
00:45:30,040 --> 00:45:33,360
Speaker 2: two and a half to two that is like almost

870
00:45:33,440 --> 00:45:36,880
Speaker 2: free money. So when you're able to get such a

871
00:45:37,000 --> 00:45:40,360
Speaker 2: low rate and still a return of say four to

872
00:45:40,440 --> 00:45:45,320
Speaker 2: five percent, commercial seven to ten, you're like buying something

873
00:45:45,640 --> 00:45:49,000
Speaker 2: and leveraging debt at the best time possible. So the

874
00:45:49,040 --> 00:45:50,879
Speaker 2: main thing that I would say is one hundred percent

875
00:45:50,880 --> 00:45:53,680
Speaker 2: there's opportunity. You have to have a long term view

876
00:45:53,680 --> 00:45:55,319
Speaker 2: on it, though, so don't think you're going to buy

877
00:45:55,320 --> 00:45:57,279
Speaker 2: the property and then make money in a year, because

878
00:45:57,280 --> 00:45:59,200
Speaker 2: if you're doing it with that mindset, you're going to

879
00:45:59,200 --> 00:46:02,719
Speaker 2: get pissed off, and you should never buy property like that.

880
00:46:03,120 --> 00:46:05,840
Speaker 2: You should always have more of a view of long term.

881
00:46:06,120 --> 00:46:08,320
Speaker 2: But if you're in a secure job and you haven't

882
00:46:08,320 --> 00:46:11,080
Speaker 2: been affected and you've been waiting to buy property, it

883
00:46:11,120 --> 00:46:13,840
Speaker 2: is the best time to buy property. But I wouldn't

884
00:46:13,840 --> 00:46:16,360
Speaker 2: be going out and doing it if you've lost your

885
00:46:16,440 --> 00:46:18,920
Speaker 2: job and you don't have certainty around what's happening with

886
00:46:18,960 --> 00:46:20,760
Speaker 2: your work. But there's a lot of people I'm still

887
00:46:21,160 --> 00:46:23,399
Speaker 2: I'm working with so many people right now that were

888
00:46:23,440 --> 00:46:25,640
Speaker 2: ready that we're going to buy this year anyway, and

889
00:46:25,640 --> 00:46:28,200
Speaker 2: they're like, freakin' this is the best thing ever. Because

890
00:46:28,239 --> 00:46:30,840
Speaker 2: we were doing numbers based on four percents, four and

891
00:46:30,840 --> 00:46:34,319
Speaker 2: a half percent, and now it's two, so everything is

892
00:46:34,440 --> 00:46:38,600
Speaker 2: just incredible. So definite opportunities there will be mortgaging and possessions.

893
00:46:38,600 --> 00:46:41,160
Speaker 2: There'll be people having to sell and they will be

894
00:46:41,239 --> 00:46:45,920
Speaker 2: realistic with their negotiation, and yeah, it's just great, great

895
00:46:45,920 --> 00:46:47,399
Speaker 2: in terms of opportunity there.

896
00:46:48,600 --> 00:46:51,440
Speaker 1: Yeah, and I think it's also like we've chat about

897
00:46:51,440 --> 00:46:54,400
Speaker 1: this previously, but this year, like it was supposed to be,

898
00:46:54,960 --> 00:46:57,080
Speaker 1: me and Tim had this big Europe trip planned. It

899
00:46:57,160 --> 00:46:59,440
Speaker 1: was our first time going to Europe, and so we

900
00:46:59,440 --> 00:47:01,879
Speaker 1: were going to go for over a month. We had

901
00:47:01,960 --> 00:47:03,960
Speaker 1: a bit of money saved for that, and obviously that

902
00:47:04,080 --> 00:47:07,080
Speaker 1: is so sad that that's not happening. We will go

903
00:47:07,280 --> 00:47:10,360
Speaker 1: another time, but you know, even looking at things a

904
00:47:10,400 --> 00:47:13,520
Speaker 1: different way is now with that money save. That's why

905
00:47:13,800 --> 00:47:16,280
Speaker 1: I talk about me and Tim might buy investment property

906
00:47:16,280 --> 00:47:18,200
Speaker 1: because we do have this little bit of money saved

907
00:47:18,239 --> 00:47:21,560
Speaker 1: and we're like, oh, it's actually a really great opportunity

908
00:47:21,920 --> 00:47:25,160
Speaker 1: at the moment. So one hundred percent. I love that

909
00:47:25,200 --> 00:47:28,279
Speaker 1: you touched on that, and thank you so much for

910
00:47:28,360 --> 00:47:31,520
Speaker 1: coming on the show as always and just giving us

911
00:47:31,560 --> 00:47:37,480
Speaker 1: so much knowledge and empowerment. I always feel like you're like, yes,

912
00:47:37,520 --> 00:47:39,439
Speaker 1: I'm gonna go ohuad and buy a property right now.

913
00:47:41,400 --> 00:47:42,440
Speaker 2: Guys, don't do that.

914
00:47:44,480 --> 00:47:48,359
Speaker 1: Don't do a Georgia. No, I do it. Just I

915
00:47:48,400 --> 00:47:52,320
Speaker 1: love that you really chat about you know, people our age,

916
00:47:52,440 --> 00:47:57,239
Speaker 1: having opportunities and choices and options, and you know, giving

917
00:47:57,320 --> 00:48:00,200
Speaker 1: people this education so they do have options to live

918
00:48:00,239 --> 00:48:02,279
Speaker 1: the lifestyle they want and all that sort of stuff. So,

919
00:48:02,840 --> 00:48:05,760
Speaker 1: as always, I just can't thank you enough for coming

920
00:48:05,760 --> 00:48:08,480
Speaker 1: on the show, Eida. I will make sure I put

921
00:48:08,520 --> 00:48:12,000
Speaker 1: all the links in the description for you guys if

922
00:48:12,000 --> 00:48:14,520
Speaker 1: you need to check that out. Oh and of course

923
00:48:14,640 --> 00:48:18,440
Speaker 1: at the big webinar coming up. Yes, usually it's a workshop,

924
00:48:18,520 --> 00:48:21,680
Speaker 1: it's now an online webinar, which is actually amazing because

925
00:48:21,680 --> 00:48:23,680
Speaker 1: so many more people will be able to get involved

926
00:48:24,200 --> 00:48:26,439
Speaker 1: as so make sure you check out that link too.

927
00:48:26,960 --> 00:48:28,560
Speaker 1: And do you want to say any last words?

928
00:48:29,440 --> 00:48:31,640
Speaker 2: No, I just yeah, I'm the same. I love chatting

929
00:48:31,680 --> 00:48:33,200
Speaker 2: to you about it, and I could just go on

930
00:48:33,160 --> 00:48:36,480
Speaker 2: and on agent about property and I'm just I'm like,

931
00:48:36,719 --> 00:48:39,400
Speaker 2: I'm you know, all the listeners that have been listening,

932
00:48:39,560 --> 00:48:41,719
Speaker 2: you know, it's it's so good. I get a lot

933
00:48:41,760 --> 00:48:44,600
Speaker 2: of people coming back and saying how helpful it is.

934
00:48:44,719 --> 00:48:47,160
Speaker 2: So if there's anything that people want to know that

935
00:48:47,160 --> 00:48:49,840
Speaker 2: we haven't shared, I'd be happy to come on and

936
00:48:49,840 --> 00:48:51,800
Speaker 2: talk about anything to do with property and money.

937
00:48:52,800 --> 00:48:57,239
Speaker 1: I really appreciate that. Also, Guys, before we go, I

938
00:48:57,239 --> 00:48:59,120
Speaker 1: do want to let you know, like I Hada said,

939
00:48:59,200 --> 00:49:01,440
Speaker 1: is there you know anything specific you want us to

940
00:49:01,520 --> 00:49:05,000
Speaker 1: chat about? Is come into the Rise and Conquer Podcast

941
00:49:05,080 --> 00:49:08,719
Speaker 1: Facebook community group because we have a lots of like

942
00:49:08,880 --> 00:49:11,160
Speaker 1: direct sort of chats in there, and we do polls

943
00:49:11,200 --> 00:49:13,200
Speaker 1: before me and I did do episodes and stuff like that,

944
00:49:13,280 --> 00:49:15,560
Speaker 1: so that's probably a really good thing to come into.

945
00:49:15,800 --> 00:49:18,880
Speaker 2: Yes, perfect, and yeah, I'll look forward to seeing anyone

946
00:49:19,000 --> 00:49:20,120
Speaker 2: at the webinar.

947
00:49:20,960 --> 00:49:28,280
Speaker 1: Thank you so much coming on the show. Ida Bye,

948
00:49:29,000 --> 00:49:31,160
Speaker 1: And that's a wrap on another episode of the Rise

949
00:49:31,200 --> 00:49:34,000
Speaker 1: and Concer Podcast. I hope you got something valuable from it,

950
00:49:34,040 --> 00:49:35,759
Speaker 1: and I want to say a big thank you for

951
00:49:35,800 --> 00:49:38,680
Speaker 1: tuning in. I really really do appreciate it. If you're

952
00:49:38,719 --> 00:49:41,400
Speaker 1: craving more than don't worry. I've got you sorted. We

953
00:49:41,520 --> 00:49:44,600
Speaker 1: have our very own Rise and Conquer Community Facebook group

954
00:49:44,719 --> 00:49:47,600
Speaker 1: where hundreds of like minded women joined to share in

955
00:49:47,719 --> 00:49:51,560
Speaker 1: on stories, ask advice, and everything in between. I'd love

956
00:49:51,560 --> 00:49:54,000
Speaker 1: for you to join us. Just search Rise and Conquer

957
00:49:54,040 --> 00:49:56,720
Speaker 1: Podcast Community or find the link in the show notes.

958
00:49:57,120 --> 00:49:59,279
Speaker 1: And if you loved listening as much as I loved

959
00:49:59,280 --> 00:50:02,440
Speaker 1: recording this ep then please subscribe and leave a review.

960
00:50:02,560 --> 00:50:05,160
Speaker 1: It really helps us out and if you think of

961
00:50:05,239 --> 00:50:08,640
Speaker 1: anyone who would benefit or enjoy this episode, please share

962
00:50:08,640 --> 00:50:11,600
Speaker 1: it with them. You can also find more on Instagram

963
00:50:11,640 --> 00:50:15,400
Speaker 1: at Risinconquer dot podcast and more from me your hosts

964
00:50:15,400 --> 00:50:18,399
Speaker 1: at Georgie Stevenson. Once again, guys, thank you so much

965
00:50:18,440 --> 00:50:21,600
Speaker 1: for tuning in. This is a totally independent podcast, so

966
00:50:21,640 --> 00:50:24,400
Speaker 1: we really do appreciate every bit of support. Hope you

967
00:50:24,400 --> 00:50:26,840
Speaker 1: guys have an amazing day or night whenever you're listening,

968
00:50:26,920 --> 00:50:29,360
Speaker 1: and I'll talk to you soon. Your j

969
00:50:33,880 --> 00:50:37,520
Speaker 2: Jesday paying