# From Debt & Doubt to 3 Investment Properties | Wade & Lainie | CHANGING LIVES | Season 3 Ep 36

An episode of [Money Mentor Podcast™](https://invisiblenetwork.ai/podcast/1632604767), 4 Nov 2025, 1 h 05 min.

Audio: https://episode.flightcast.com/xab6fzc4veubbe9f2fbakuav.mp3

In this episode of The Money Mentor: Changing Lives Financially, we sit down with Wade & Lainie, who joined the Infinity family in April 2024 after years of feeling like advice from “experts” wasn’t really tailored for them. Before Infinity, they had a $528k home loan with 22 years left, two credit cards, a caravan costing over $1,000/month, and a $1,120 weekly budget that left little room for progress. Lainie admits she was skeptical at first, letting Wade take the financial wheel but both felt stuck, overspending, and without a clear direction. Since joining Infinity, everything has shifted. They’ve reduced their home loan to $452k with $42k in redraw, built a portfolio of 3 investment properties, sold their caravan, slashing costs and their mortgage, dropped their weekly budget from $1,120 to $750 (heading towards $650!) and gained control of their finances and confidence in their plan Wade & Lainie’s journey is proof that with the right strategy, even skepticism can turn into empowerment and financial stress can become financial freedom. This episode dives into: ● How they turned doubt into action ● The financial decisions that created instant momentum ● Building wealth while learning to manage spending habits ● Why having the right guide makes all the difference ● What’s next on their investment journey 👉 Watch the free webinar to see how you can start your own journey: https://bit.ly/43V2jKN

## Transcript

[0:00] If you don't make the change, it won't get any better.
[0:05] It's going to be...
[0:06] It's hard.
[0:08] It was hard to actually go, yeah, you...
[0:11] This is what you ought to do.
[0:12] Budget.
[0:14] Don't overspend.
[0:15] Don't go to the shops, but make the change.
[0:18] Don't be scared.
[0:19] Well, what was hard was...
[0:21] That initial step, going from, well, no, we're going to spend this, we're going to spend that, we're going to buy this, to, okay, this is what we've got to play with.
[0:29] And sticking to that.
[0:30] It's making a decision.
[0:31] Yeah.
[0:32] Together.
[0:32] You know what we want.
[0:33] You've got to be a team.
[0:34] Yeah.
[0:34] There's no I in team.
[0:36] And if you, we've always had that saying between the two of us, there's no I in team.
[0:41] Be a team.
[0:42] Yeah.
[0:43] Money isn't rude of all evil, the fucking lack of it is.
[0:45] Not money, the lack of understanding money.
[0:48] When I put that into emphasis, when I realise that psychological effect and how it hit our family, I FTB in the fucking way.
[0:54] You are now watching the Money Mentor Podcast.
[0:57] With Graham Holm.
[0:58] Graham Holm.
[0:59] Graham Holm.
[1:00] Graham Holm.
[1:00] You're fucking gone.
[1:04] See ya.
[1:05] Welcome back to The Money Mentor and another episode of Changing Lives Financially.
[1:10] Today we have some very special guests, Wade and Laney.
[1:13] How are we?
[1:14] Good, thanks.
[1:14] How are you?
[1:15] I'm good.
[1:15] I'm good.
[1:16] They're just picking on me about my heart and now I'm really self-conscious.
[1:21] Go fuck myself.
[1:21] Thanks, Daze.
[1:23] How are we, guys?
[1:24] Good.
[1:24] You're good.
[1:25] Don't be nervous.
[1:26] A little bit.
[1:27] A little bit.
[1:27] Really?
[1:27] Yeah, definitely.
[1:28] We'll figure it out.
[1:29] It's my first time.
[1:31] Yeah.
[1:32] We'll be fine.
[1:33] We'll just go with the flow.
[1:34] Talk some shit.
[1:35] Yeah.
[1:36] Why don't we start with, for people that haven't met either of you or interacted in a communal, maybe they're not even an Infinity family member, give us a bit of background on who you guys are, where you're from, what do you do, who are you?
[1:49] Well, we're family of three.
[1:52] There's our boy and us two.
[1:54] We're from the sunny coast.
[1:56] beautiful part of the world.
[1:57] It is stunning.
[1:58] And we've just started to get good weather again, which is lovely.
[2:01] So that is lovely.
[2:04] Wade works away two weeks of the month.
[2:05] Yeah.
[2:07] And I work down at Sippy Downs.
[2:09] So then our boys just turned 18.
[2:13] So we're a bit of an empty nesters starting.
[2:16] So you're going to kick him out now he's eight?
[2:18] Oh, no, not yet.
[2:19] They're not kicking you out.
[2:22] It's okay.
[2:23] It's okay.
[2:24] He keeps reminding me he lives there rent-free, so yeah, that might change.
[2:27] I was going to say, stop reminding them of that.
[2:31] Just be quiet about that.
[2:32] He hasn't learned that yet.
[2:33] He hasn't learned the silent bit to keep that to himself.
[2:37] He might get, he wants to start paying board soon.
[2:39] Yeah, next year when he starts earning a job.
[2:42] Yeah.
[2:42] Working.
[2:43] Okay.
[2:43] So family of three, sunny coast, FIFO-y work away in our, and locally, semi-locally.
[2:50] Okay.
[2:51] And talk to us pre-Infinity.
[2:54] We, what do we have home loans, cars, credit cards, give us a background on you guys financially as a family of three.
[3:00] Yeah.
[3:00] So financially, uh, home loan under just under 530.
[3:04] Okay.
[3:05] Yeah.
[3:05] Um, two credit cards.
[3:08] Two, okay.
[3:08] Two credit cards, one in each name.
[3:11] Um, made a caravan.
[3:13] I love a caravan.
[3:14] Caravan, I know.
[3:16] Budget of 1,100 ducks.
[3:19] We did have a budget.
[3:21] Of how much?
[3:22] It was like $1,100 a week.
[3:24] So probably no budget.
[3:26] We had the credit card.
[3:27] The main credit card was the one in my name.
[3:30] Okay.
[3:31] And we lived to that.
[3:32] Okay.
[3:33] You know.
[3:34] Thinking that we're doing the right thing by putting all the bills and paying that and then paying that off monthly.
[3:39] Each month clearer.
[3:39] It was a $6,000 credit card.
[3:42] We were living to pretty much that every month.
[3:45] Six grand.
[3:45] Yeah.
[3:46] Yep.
[3:47] Not putting any extra on our mortgage.
[3:49] So six grand, so 60, so 72 grand a year on the card, plus a budget of 1100 a week.
[3:57] Yeah.
[3:57] So another 52 grand.
[3:59] Yeah.
[3:59] Fuck.
[4:00] Yeah.
[4:01] We didn't say that.
[4:02] Yeah, we just had fun.
[4:03] We just spent.
[4:04] Yep.
[4:04] We had fun, right?
[4:05] Yep.
[4:06] How much fun?
[4:07] Oh, like we, we, we lived, we, I went out shopping when I wanted to.
[4:13] He bought whatever fishing lure he wanted.
[4:16] Um, if Jack wanted something, you know, like, yes, we, we made him realize you can't just have it, but we bought it.
[4:22] Right.
[4:23] And we went out for dinners, lunches.
[4:25] So work hard, play hard.
[4:27] Yep.
[4:27] Yep.
[4:28] And working away as well, is there, and I'm assuming, but is it a, when I'm home, shit, we need to do as much as we can while I'm home and we need, cause I've been away and the family hasn't had.
[4:38] Okay.
[4:39] Cause that's a lot of FIFA here.
[4:40] It's like, but I, but I'm away and I bust my guts to earn this money.
[4:44] So when I'm back, we've got to compensate and go out and do this and buy it.
[4:47] And it's like, you just actually circumvented the whole purpose of working away and earning the big money.
[4:52] Yeah.
[4:53] Yeah.
[4:53] It's a bit of a, like, it's almost a juxtaposition.
[4:58] You know what I mean?
[4:58] It's a shit.
[5:00] Okay.
[5:01] Um, so, but happy?
[5:03] Yeah.
[5:03] Happy.
[5:03] Happy, great life, whatever you want, you'd get pretty comfy.
[5:07] Yep.
[5:08] Spending everything we earn.
[5:09] Yep.
[5:10] Okay.
[5:10] What about mortgage wise?
[5:12] Was it, was it coming down at the minimum, a little bit extra?
[5:15] Yeah.
[5:17] At the minimum.
[5:17] There was times there where I was paying extra.
[5:20] Yeah.
[5:21] But for the majority of it was just paying what we had to pay.
[5:24] Okay.
[5:26] With interest rates going up, you know.
[5:28] Yeah.
[5:28] Sort of looked at that and said, okay, well, we'll just pay what we have to pay.
[5:32] Okay.
[5:34] There.
[5:34] Okay.
[5:35] Do you run the house or previously were you running the household finances together?
[5:39] No.
[5:40] No.
[5:40] I had mine.
[5:41] He had his.
[5:42] Separate bank accounts?
[5:43] Yep.
[5:43] Separate bank accounts.
[5:44] Has been for 22 years.
[5:45] Yes.
[5:46] I looked after Elthamorius.
[5:49] Yeah, 22 years.
[5:51] No fucking way.
[5:52] No.
[5:53] Really?
[5:53] Yep.
[5:54] What I earned, I earned.
[5:55] What he earned, he earned.
[5:57] So- And that was it.
[5:58] We'll go back.
[5:59] Okay.
[6:00] So everything was yours?
[6:02] Yeah.
[6:02] Oh, okay.
[6:03] Just to clarify.
[6:04] Yeah.
[6:06] Okay.
[6:07] So what's Laney's is Laney's and what's Wade's is Laney.
[6:09] Yeah.
[6:10] Sorry, it blows like that a lot, yes.
[6:12] Okay, good.
[6:14] I like it.
[6:15] So when the pay was coming, like incomes were coming in back then, what were you doing with your income?
[6:21] Yeah, so my income was paying the bills.
[6:23] Running the household.
[6:25] More wage, insurance, electricity.
[6:27] And then Laney was...
[6:29] Mine paid for the groceries.
[6:31] Yep.
[6:33] If I wanted to go for a shopping spree.
[6:34] Okay.
[6:35] Shopping spree.
[6:36] Yep.
[6:37] I'd pay for everything Jackson needed.
[6:38] If Jack needed anything, I made sure that all was done.
[6:41] Okay.
[6:42] That was priority.
[6:43] He had to be like leave school fees, school clothes, shoes, all that stuff.
[6:47] Whatever that left is just whatever.
[6:48] Let's have fun.
[6:49] So what did you just do for fun money?
[6:50] Did you spend your own funny money or you spend it on each other or collaborate or what would you...
[6:57] I'll spend fun money on Laney and Jackson, and then Wade would spend fun money on Wade, Laney, and Jackson.
[7:03] What's mine is Laney's.
[7:05] What's Laney's is Laney's.
[7:06] Got it.
[7:07] Tick.
[7:08] Miss Checker.
[7:08] Very honest.
[7:09] I love it for you, Laney.
[7:10] I love it.
[7:11] I had a ball.
[7:11] Well, actually, I don't, but anyway.
[7:14] Anyway.
[7:14] But we never, but like, no, there was a long period there where we didn't have any money.
[7:20] Okay.
[7:20] And we worked really hard to get our mortgage.
[7:23] Yep.
[7:23] So there was a long period there where if I did need anything and I wasn't working, I was raising Jack, I'd say to Wade, hey, I'd want a new, can I, can I go out and buy this?
[7:32] And he'd say, can you wait till a fortnight's time?
[7:34] Yep.
[7:34] And we would wait a fortnight's time.
[7:36] Okay.
[7:37] So there was a period of time and then all of a sudden we had like money.
[7:41] Yeah.
[7:42] And that's where Polly went to.
[7:45] And that's probably the biggest thing is, you know, having the job prior to, so I'm a tradesman, and having that job prior to FIFA and making ends meet and not making big bucks by any means and then go and get the FIFA job and it's like, holy shit.
[8:02] Got all the cashier.
[8:03] Oh, yeah.
[8:04] It was okay.
[8:05] Yeah.
[8:05] So when did you find, so, okay.
[8:08] So Lainey, no money, obviously raising, you know, raising Jack, that's fine.
[8:13] But then obviously when you were working, so Lainey's Lainey, Wade's Lainey.
[8:17] Who was, so, so there's really no joint management of the finances.
[8:21] So in and out for you, whatever.
[8:23] But when you come up, there's food in the cupboard, all the bills are paid.
[8:26] Happy days.
[8:27] Cool.
[8:27] We're going away for a weekend or I'll cover that.
[8:30] It's pretty unique.
[8:32] For how many years?
[8:33] 20?
[8:33] It's about 22 years.
[8:35] That's what I call happily married.
[8:36] Yeah.
[8:37] We've been together for, yeah, 20, 20, what am I, I'm set, 52.
[8:41] Got together, yeah, 22 years.
[8:43] Yeah, 22 years.
[8:44] And you had some time off work, obviously raising our kids, so you had some time off there.
[8:49] Well, childcare is bloody about the same cost as going to get a full-time job this day.
[8:53] Worse, yeah.
[8:54] Wild.
[8:54] Horrible.
[8:55] Okay.
[8:56] So...
[8:57] If I said who was managing the money then, were you managing the money?
[9:02] As far as the bills, the cash flow, okay, can you wait a fortnight?
[9:05] So you were really managing the household outgoing, so to speak.
[9:09] Yeah.
[9:10] Okay.
[9:11] Okay.
[9:12] And who found Infinity?
[9:14] Oh, I did.
[9:15] Okay.
[9:15] When?
[9:16] When?
[9:17] Last year, would have been last year, I found Infinity, seen it on socials, sort of like we'd procrastinated a long time about buying an investment property and spoke about it and exactly that, just spoke about it.
[9:33] Okay.
[9:33] You know, this would be great.
[9:34] Where do you buy?
[9:35] What do you buy?
[9:36] Who do you buy through?
[9:37] Yeah.
[9:38] And then being out at work with FIFA, so I'd go and do laps of an evening around the camp there.
[9:46] Got onto the socials, got onto the podcasts, listening to the Wilson's weeklies.
[9:51] Yeah.
[9:51] Trying to sort of get those into my head.
[9:53] Yeah.
[9:53] And how does this all work?
[9:55] A lot to get into your head from Doc.
[9:57] That was probably the start of that.
[9:59] And then realizing, well, hang on, there's testimonials here as well.
[10:02] There's real people talking about there.
[10:03] No, no, I tell you, Doc, shit's really cool.
[10:05] Yeah.
[10:06] Even people, not clients of ours, we put it out there with him.
[10:08] It's pretty cool.
[10:09] And I'm glad you're interested in it because a lot of people, which is not even clients, go, I'm going to go listen to this shit.
[10:14] What's going on in the economy, in the market?
[10:17] Yeah.
[10:17] And you've got to sort of keep up with the Wilson Weekly as well to understand what's going on.
[10:21] But to get onto the testimonials as well, and then starting to hear the real stories.
[10:27] Yeah.
[10:27] And exactly that going, shit, that's us.
[10:31] So was there any particular family you went, shit, that's us, or a couple of them?
[10:35] Well, we listened to Bill and Sarah.
[10:37] That's probably a good one.
[10:38] Yeah.
[10:40] I like her and Casey and Lenny.
[10:43] I like them.
[10:44] Yeah.
[10:44] I was a bit starstruck when we were at the last ram in July because I wanted to meet her.
[10:49] Yeah.
[10:49] Okay.
[10:49] And I made a point of hunting her down and we're going up and shaking her hand.
[10:53] Yeah.
[10:53] Okay.
[10:53] So she was, yeah, they're the main ones.
[10:56] Yeah.
[10:56] Yeah.
[10:57] Okay.
[10:57] Very good.
[10:58] All right.
[10:59] And so you found us in, what was it?
[11:02] It was early last year, like April, May last year?
[11:04] Yep.
[11:05] Okay.
[11:06] And you did the free webinar together?
[11:09] No, I did the free webinar.
[11:11] I was out of work.
[11:13] Yep.
[11:13] Did the free webinar early this year.
[11:16] Yeah.
[11:17] So I spoke along and said, oh, I'm going to do this webinar.
[11:19] Yep, whatever, you know.
[11:20] So...
[11:21] I remember sitting there in my room and listening to the free webinar and going, yeah, this is pretty cool.
[11:27] And then you'd obviously spoken about the masterclass as well.
[11:30] Yep.
[11:31] Signed up for the masterclass.
[11:33] Oh, you hadn't even spoken?
[11:35] No.
[11:35] No.
[11:35] Oh, shit.
[11:36] So I'd done it.
[11:37] How'd you go when you got home?
[11:39] You all right?
[11:40] I got him.
[11:41] All right.
[11:43] We'd had some shit weather.
[11:45] So you had the masterclass arranged for, I think, what was that, April-ish?
[11:49] Yeah.
[11:50] We'd done the masterclass.
[11:51] April this year.
[11:52] Yeah, April this year.
[11:53] So we'd had shit weather.
[11:54] It had rained.
[11:55] It had rained.
[11:56] The Sunshine Coast has lots of rain.
[11:57] Yep.
[11:58] So rain, rain, rain.
[12:00] The weekend of the masterclass, it's the bluest skies.
[12:04] The first weekend we've had of absolute blue skies.
[12:07] So you can imagine.
[12:09] I was not happy.
[12:10] No?
[12:10] No.
[12:11] No, I actually said to him, I remember getting up in the morning and I said to him, are you serious?
[12:16] And he said, yeah.
[12:16] I said, no, fuck this, I'm not doing it.
[12:19] And he went, you have to sit down, I've paid for this.
[12:21] I don't give a fuck.
[12:22] And I said, I'm not doing it.
[12:24] And I got Jackson, our son, had a few words at me.
[12:27] I went, right.
[12:28] So I went and shut every curtain in the house because I thought if I have to sit on my lounge, I ain't looking outside at this weather.
[12:34] And I sat there and I will be honest.
[12:37] I sat there and you talked and I kind of just looked at my phone and flipped it through.
[12:42] And then you said something about get that fart brain out or something someone farted in my chat.
[12:47] I don't chat, but it tastes like shit.
[12:49] It smells like shit.
[12:50] Yeah.
[12:50] I only fucking fart in my chat.
[12:51] Yeah.
[12:52] Yeah, and then you said that, and I kind of sat up and I looked at you, and I thought, oh, he sounds funny.
[12:58] And he's going, are you listening to this?
[12:59] And I said, yes.
[13:01] And then that was the moment.
[13:03] And then you brought up about how you can see your figures, your earnings.
[13:07] Yeah.
[13:07] And then we worked out, he worked out a bit of money, and he said, we're living off this.
[13:13] We could actually live off $500 a week.
[13:15] Right.
[13:16] And I said, no, we can't.
[13:17] So this was a kicking, screaming protest.
[13:21] You're going to do it.
[13:22] I've paid for it anyway.
[13:24] We got a money back guarantee, but you've got to turn up first.
[13:26] And you're like, but you're saying even your son got involved.
[13:30] Oh, mum, just listen.
[13:31] Or he was saying, no, fuck it.
[13:32] Let's go out for the weekend.
[13:33] He was against it.
[13:34] Should we be honest, we'd had an argument in the morning, the Saturday morning that, you know, we'd had like this argument cause I said, fuck it.
[13:40] All right.
[13:41] I'll contact them and I'll say, we'll get our money back.
[13:43] You know, no, no, we're going to do it.
[13:44] I said, well, all right.
[13:45] Let's do it.
[13:46] Go in and out and around.
[13:47] Cause I'm, I'm pushing for it.
[13:49] We're going to do it.
[13:49] We're going to make a change.
[13:50] You got to take this leap of faith and you know, get out of your comfort zone.
[13:55] So after this little argument and cause it's blue skies and I'll contact them.
[14:01] We'll get our money back.
[14:02] No, we did it.
[14:04] And the same.
[14:04] And then our son's into us about it.
[14:06] Ah, you've been scared.
[14:07] Yeah, yeah.
[14:08] You know.
[14:08] You're a cult.
[14:09] Yeah.
[14:10] But doing the master class.
[14:11] How much did Jack listen to of it all?
[14:15] None.
[14:16] No.
[14:16] He listened to a little bit.
[14:17] He'd gone out through the day.
[14:19] He listened to a bit in the morning and, you know, and sort of had it in his head that night.
[14:23] None.
[14:24] None.
[14:24] But doing the masterclass, like I say, we'd have this argument.
[14:27] No, we're not going to do it.
[14:28] Yes, we're doing it.
[14:29] We're sitting there listening.
[14:30] And then we get to the point where she's into me going, hey, get on the chat bar, answer this and answer that.
[14:36] Do the yes, do the, you know.
[14:37] I'm like, holy shit, hang on.
[14:38] Because I was getting annoyed because he wasn't hitting the yes button and people are yesing and he wasn't doing anything.
[14:44] You were involved all of a sudden.
[14:45] Yeah, because it was.
[14:46] So I've yelled at somebody and you've gone, oh, this prick's all right.
[14:49] Yeah.
[14:51] I think you said to Lou, didn't you?
[14:53] Get them out.
[14:53] They're out.
[14:54] Give them their movie.
[14:54] Yeah, fuck them off.
[14:55] Yep.
[14:56] And it was another time you came in and you were red in the face.
[15:00] You were cranky.
[15:02] And you said, rah, rah, rah, about this one person.
[15:04] Another one had said something.
[15:05] And I said to her, I went, oh, he's fucked.
[15:08] Yeah.
[15:09] I went, don't say anything.
[15:10] And we just sat there and listened.
[15:12] We don't need the money, right?
[15:13] And you've got hundreds of people there looking for help and one of or both of.
[15:17] And it's always a similar story.
[15:18] One or that both find it.
[15:19] But one person, the other person goes, fuck, this makes sense.
[15:22] One and one equals two.
[15:24] But you do get people on there that are just an absolute fucking flop.
[15:29] And they don't know what they don't know.
[15:31] So I don't have time to suffer it and fuck it up for all of you.
[15:34] So straight away, they fire.
[15:35] I'm like, fuck off.
[15:36] Money back.
[15:36] I don't want your fucking money.
[15:38] Fuck off.
[15:38] Because it just ruins it for everyone.
[15:40] The whole weekend's fucked, right?
[15:41] But I quite enjoy it as well.
[15:43] I kind of get withdrawals if I don't get to boot somebody for being an idiot.
[15:46] Well, I think that's the part that I like the most.
[15:49] Okay.
[15:49] Yeah.
[15:50] So just the realness.
[15:52] Yep.
[15:52] There was no lies.
[15:53] Mm-hmm.
[15:55] You set it the way, and you set it in easy, dumb-ass way.
[15:59] Yep.
[16:00] So you didn't make it all complicated.
[16:01] Because I'll be honest, I'm not tech savvy.
[16:04] I'm tech Davey.
[16:05] Yeah.
[16:05] And when it comes to all this other stuff, and then when it comes to the money and comes to, he says to me, oh, we've got interest rates, this, and I kind of, I'll be honest, I kind of look and then I can see the monkey above my head clapping above my head.
[16:17] The eyes glaze up.
[16:18] Yeah, I've just gone.
[16:18] Not interested.
[16:19] Not, you know, but...
[16:20] Like what I do, all of that.
[16:22] Bec talks to me about other stuff and I'm like, she's usually not listening.
[16:26] I'm like, nah.
[16:27] I just don't have an interest in trying to learn some things, right?
[16:30] So the monkey, the eyes glaze and it's like, and you'd be like, for fuck's sake.
[16:35] It's not that you don't, I get it.
[16:36] You're not, you're just not interested.
[16:37] Yeah.
[16:38] I just don't want to know.
[16:39] It's not my thing.
[16:40] So, but then he talk about money and saving.
[16:45] Now, the biggest end of the day is I want to be able to give not so much everything we earn before we retire to Jackson.
[16:52] I want to give him an idea that, hey, you got to work to get this.
[16:57] but I want you to be able, I want to be able to financially help you.
[17:02] So you weren't on board, kicked and screamed, got on board.
[17:07] Yep.
[17:07] Okay.
[17:08] And then we're driving it.
[17:08] Press yes, say this, do that.
[17:11] Okay.
[17:12] And what were you, were you just having a little chuckle inside?
[17:14] It's like, here we go.
[17:15] What the hell is the person who was kicking and screaming this morning?
[17:18] And now she's into me because I'm not answering in the chat bar and,
[17:22] I'm trying to keep up with the bloody chat bar, let alone put a comment in.
[17:25] Sometimes I think I'm going to have a seizure trying to read it.
[17:27] Shit, yeah.
[17:28] I wish I could ignore it, but I can't.
[17:30] It's not a brace.
[17:31] I'm scanning it.
[17:32] It's funny because you sit there and you look, don't you, and you see some comments in there and you're like, oh, shit.
[17:36] Righto.
[17:37] Keen to see what happens with this comment.
[17:38] Well, I hear the team, because I sit here, right, and the team out there, and I can hear them laugh or giggle or be like, oh, fuck.
[17:45] And then you see my eyes go boom, down to the bottom corner of this.
[17:52] Okay, so that was April this year.
[17:55] What do we owe on the home then?
[17:57] 528.
[17:58] 530, 28.
[17:58] Okay.
[18:00] And what do we owe today?
[18:01] 452-ish.
[18:05] Yep.
[18:06] 452.
[18:06] 50, 67, 80 grand.
[18:09] Yep.
[18:10] 80 grand off the home.
[18:11] That was April you did the masterclass and applied to work with us.
[18:15] So you got approved in April or May.
[18:17] Yep.
[18:18] May.
[18:18] May?
[18:19] Yep.
[18:19] So May, so June, July...
[18:22] And we did the ram angel.
[18:25] July ram.
[18:26] July ram.
[18:27] Who did that?
[18:27] Louis?
[18:28] Yeah.
[18:29] Thank you.
[18:30] I fucking got him.
[18:31] I knew I'd get him.
[18:32] Laney stitched him up.
[18:33] Thank you, Laney.
[18:36] That suck got him.
[18:37] What did I do?
[18:38] Louis fucked.
[18:40] No, you know how I say, please don't, you're not allowed to do the REM for three months.
[18:43] Yeah.
[18:44] But then you go April, May, June, or May, June, July.
[18:48] You're kind of close.
[18:49] It's all right.
[18:50] But I have a bit of, I love, I love Louis, right?
[18:52] But like somebody comes in and they're super keen and do this.
[18:56] I'm like, let them do their loan.
[18:58] Let them pay down more in three months than they ever did in a year.
[19:02] Then month three or four, they can come to REM.
[19:04] Louis is just like, everyone's like, I want to come to REM.
[19:06] He's like, get off you come.
[19:07] He was trying to get us to the June round, but he couldn't do the June round.
[19:11] That was too soon.
[19:12] Roster, yeah.
[19:13] Yeah, good.
[19:14] Got you, Louis.
[19:15] We're here now.
[19:16] Okay, so April Masterclass, May application approved, signed up.
[19:23] July Real Estate Mastery, $80,000 off the service.
[19:28] April, May, so June, July.
[19:30] So three months, you got $80,000 off your loan.
[19:32] Yep.
[19:33] But previously, you were spending everything you earned?
[19:35] Yep.
[19:35] Yep.
[19:36] Okay.
[19:36] Okay.
[19:38] That's a wild number, right?
[19:40] And all of our numbers are wild.
[19:41] You look from the outside in and go, this is a load of shit, right?
[19:44] That's a wild number.
[19:46] How much has your life changed?
[19:49] Because you don't look miserable.
[19:51] So you've got to get smiling.
[19:53] You've got 80 grand off your loan in three months.
[19:56] Yep.
[19:56] Three, four months.
[19:58] And I've learnt to budget.
[19:59] I've learnt to know that, okay, I've got this amount of money for my food.
[20:04] I've got to make that food last me a week.
[20:06] Yep.
[20:07] I thought you didn't manage the money.
[20:08] You just spent the money.
[20:09] No, no, no.
[20:10] I got a WG.
[20:12] What's a WG?
[20:13] A wellness guru.
[20:14] Who's your wellness?
[20:15] What's a wellness guru?
[20:16] That's Sam.
[20:17] Sam.
[20:18] Sam's the Chang.
[20:19] Yeah.
[20:19] He's my WG.
[20:21] So he, like, I didn't understand that when we started our accounts, like you've got your FFF, then you've got your E. Yeah.
[20:29] Yeah.
[20:29] So I didn't understand.
[20:30] I couldn't get it in my head how I worked this.
[20:34] And he more or less, I said to him, just tell me in pictures.
[20:38] Yeah.
[20:39] So he did it in pictures.
[20:40] I then knew I had this much money for food, this much money for petrol, and this much money for fun.
[20:45] And I literally made a point of writing out my food, knowing exactly what I needed.
[20:52] And I would go out and buy that food on my Saturday instead of going every fortnight and spending whatever I wanted on groceries.
[20:59] And instead of like, you know, I'll be honest, we wasted food.
[21:03] I chucked food.
[21:03] Yeah, you can order in or deliver or whatever.
[21:06] Yeah, but I also have groceries that I go, oh, I'm not going to eat that, so we'll chuck it.
[21:09] So for anyone who's wondering what this wellness guru, Sam's one of our relationship managers because the missing link Beck and I acknowledged years ago in financial services, instead of selling you alone, right, is having an ongoing mentor or coach, i.e.
[21:24] a personal trainer for your money.
[21:25] Like you go to the gym and they're like, oh, what are you eating for lunch?
[21:28] And I'm like, shut up.
[21:28] Yeah.
[21:29] You know, like, but having someone on the shoulder to help you understand and manage what's not your day-to-day skill set.
[21:35] Yeah.
[21:36] Because we're all good at something.
[21:37] So you're saying that Sam's your guru.
[21:39] He's helping you manage the day-to-day and you're enjoying it.
[21:43] I love him.
[21:44] You look like you're getting some sick sense of fulfillment out of budgeting.
[21:47] Well, it's for the first time, like I've never, like I had parents that.
[21:53] You're in this.
[21:54] She talks to you more than she talks to me.
[21:59] I did love it.
[22:00] Look how he doesn't message me.
[22:02] Message is me.
[22:04] He's in the house.
[22:06] Oh, it's, I don't know.
[22:07] Like I grew up in a time where no one taught you how to look after your money.
[22:10] Like everyone did.
[22:13] He taught me how to do it.
[22:14] And he also said to me, if you have problems, call me.
[22:17] SMS me.
[22:18] He goes, I might not get back to your ASAP, but I'll get back to you.
[22:20] And he does.
[22:22] But it's knowing that I've got $350 and I've got to get that groceries.
[22:26] And I'm now not spending even close to $350 on groceries a week.
[22:30] You've turned it into a sport.
[22:31] Yes.
[22:32] It's a game.
[22:33] Challenge on.
[22:34] Okay.
[22:34] So, and it's the challenge to actually make sure I do it.
[22:38] And then the first month or so I would call him because he was out at work and I'd say to him, have I spent, have I, have I done, have I done good?
[22:45] Have I done good?
[22:45] He goes, you're fine, babe.
[22:47] Don't worry about it.
[22:47] You're fine.
[22:48] Yeah.
[22:49] And then the following week I'd go, okay, well, I only need to get.
[22:52] This milk, this, this, this, this.
[22:54] And I literally made sure everything went, and I cooked food in the kitchen.
[22:58] Well, actually, who is that?
[22:59] And you.
[23:00] Yeah, we're not, we're saving money in a sense that beforehand we were bloody, well, we were going out for dinner.
[23:06] Oh, we're going out for dinner.
[23:07] We're going out for dinner.
[23:08] Well, we had a, we had a kitchen fire a year, two years ago or something.
[23:13] So we've got a new kitchen.
[23:15] You know, it's for insurance.
[23:16] We've got a new kitchen.
[23:17] So we've got this nice kitchen.
[23:18] Whenever you use the bloody thing, boil water.
[23:20] That's about all we do in the kitchen.
[23:22] Or, you know, chuck something in the air fryer.
[23:24] So now, while doing this and not going out for dinner, not doing that shit, you save the money because you're not spending our premium.
[23:31] You're healthier.
[23:32] And you're spending quality time at home cooking the feed up.
[23:36] And I get Jackson.
[23:37] I do a lot of cooking as well.
[23:38] And, you know, we get Jackson in the oven of yarn.
[23:41] You cook them.
[23:42] You feed.
[23:42] Having some coffee.
[23:43] Chips in him how to cook.
[23:44] Things like that, you know.
[23:45] Just that meal preparation.
[23:48] So are you surprised?
[23:50] There's a bit of a transformation here.
[23:52] Have you been sitting back going, fuck, what's going on here?
[23:55] Or...
[23:57] I think he's a bit proud.
[23:58] I've got to say, he's got me a little bit proud.
[24:02] We get the tissues out as well.
[24:03] He won't say it out loud, but I know he's proud because like I, we used to have, I'll be honest, we used to have arguments over it.
[24:10] There was arguments over money and I'd get cranky at him.
[24:15] He'd get cranky at me.
[24:16] So your whole fucking household dynamic is better.
[24:20] Yeah.
[24:20] Relationships.
[24:21] Well, hang on.
[24:22] Does Jackson still think it's a scam?
[24:23] He thinks we're weirdos.
[24:25] He does think we're weirdos.
[24:27] He calls us weirdos.
[24:28] He's joined a cult.
[24:29] Yep, yep.
[24:31] He said to me, you've joined a cult, Mum.
[24:32] I said, I know I've joined a cult.
[24:34] You've done this, Mum.
[24:35] I said, it's all right.
[24:36] I said, you a benefit of this.
[24:38] You benefits.
[24:39] He was out all Sunday, I think, on day two of the masterclass.
[24:44] So he was out, and then he'd come back and...
[24:46] And we said, oh, yeah, you know, we've bought into it.
[24:49] How much have you spent?
[24:50] You know, you're a bloody, you know, this.
[24:52] And I'm like, oh, oh, oh, remember whose house you're?
[24:54] Yeah, whose roof you're over here.
[24:55] So, yeah.
[24:56] So, and he's come around.
[24:59] And we've had conversations on why we're doing this and, you know, to teach him as well.
[25:03] And exactly like you said before, you know, we didn't have financial issues
[25:08] Lessons growing up.
[25:09] And they don't teach that in school or anything.
[25:10] You know?
[25:11] So it's hanging around the right people to learn those things as well.
[25:15] Yeah.
[25:16] Okay.
[25:17] Yep.
[25:17] So we're at 80 grand off the mortgage.
[25:21] Caravan gone.
[25:22] Gone.
[25:22] Gone.
[25:23] Selling that dog.
[25:24] Yeah, she gone.
[25:25] Caravan gone.
[25:26] Expenses gone.
[25:27] Do you miss it?
[25:29] No.
[25:29] No.
[25:30] Did you even use it?
[25:31] 12.
[25:31] Not as much as we'd like to.
[25:33] Yeah.
[25:33] They got a bargain, I tell you.
[25:35] Yeah, so.
[25:35] Twice.
[25:36] Twice.
[25:37] And so you got your wellness, caravans gone, tidied up some shit, cooking, spending time together, having family banter, households better, interactions, happy life, happy wife, all that stuff.
[25:51] starting to teach your son by the sounds of it?
[25:53] He's starting to pick up on a few things or at least you drip feeding them as well?
[25:58] I think he's going to be a pro.
[26:00] Like he's, he's always, we've always told him you have to save, you have to save, you have to save.
[26:06] And he has saved.
[26:07] Okay.
[26:07] Like nowhere near like what we would, you know, he's just a young fella.
[26:11] But what he's learned, what we want, he's starting to listen to us.
[26:16] And eventually I'll give him next year and all of a sudden he'll say, hey, I've got this amount of money, what do I do?
[26:22] Okay.
[26:23] So, and then you guys did REM as well.
[26:27] Mm-hmm.
[26:28] How was that?
[26:29] That was fun.
[26:29] Loved it.
[26:30] Loved it?
[26:31] Mm-hmm.
[26:31] Absolutely loved it.
[26:31] You walked in loving it or you walked in going, oh, I don't know about it.
[26:34] No.
[26:35] I walked in loving it with him.
[26:37] Okay.
[26:37] Yep.
[26:38] Well, we sort of walked in and like everyone's there and you know that everyone's there with the same mindset.
[26:44] Yeah.
[26:46] And then we had straight up, we had a meeting because we'd had a phone call.
[26:49] We were driving there.
[26:50] We drove down from the sunny case.
[26:51] Yeah.
[26:51] Traffic was horrendous.
[26:52] It took us bloody four hours for a two-hour retreat drive.
[26:55] We got a phone call.
[26:58] Can you catch up with the wealth strategist earlier?
[27:00] Yeah, we can do that.
[27:02] And then we walked in, we caught up with Lou and basically sat down and said, okay, this is what we've got to offer.
[27:10] So what are we doing?
[27:12] What do we got?
[27:13] Three properties.
[27:14] Three new properties.
[27:15] Yeah.
[27:16] And I cried.
[27:17] Did you?
[27:17] Yeah.
[27:17] I was a bit overwhelmed.
[27:19] He says, I've got three properties for you.
[27:21] And I said, what to pick from?
[27:22] He goes, no, no, you've got three properties.
[27:23] And we're like, holy shit.
[27:25] Righto.
[27:27] So that was interesting to have that straight away.
[27:29] Were you surprised?
[27:31] Yep.
[27:32] Yeah.
[27:33] Yeah.
[27:34] Do you, do you as a couple or individually understand how we're able to achieve that now because our spending is measured in control?
[27:45] Yeah.
[27:46] So to a bank, our serviceability now, our outgoings don't look as rabid.
[27:50] Does that make sense?
[27:51] Yeah.
[27:51] You understand that?
[27:52] Yep.
[27:52] Yep.
[27:53] Yep.
[27:53] But was it that hard to go from where we were to where?
[27:57] Because all this sounds great, right?
[27:59] We've paid 80 grand off our house in a couple of months.
[28:02] We've bought three new properties.
[28:04] You know what I mean?
[28:05] Like people are going, ah, fuck, what a load of shit, right?
[28:08] You didn't earn any more money.
[28:09] No.
[28:09] It's the same amount of money you're earning.
[28:11] Yeah.
[28:11] We just told you to change everything you were doing.
[28:13] Yeah.
[28:14] You're having a better relationship and household.
[28:16] You've got three new properties.
[28:18] Like it seems a bit surreal.
[28:21] What made it work and what made it easy to understand was the black and whiteness of it.
[28:27] There was no grey in between of what you were saying.
[28:30] The thing that I could see was once we had set up our accounts and our budget, how much money was going into that account.
[28:38] So I didn't want to touch that account.
[28:40] I didn't want to spend any money.
[28:41] Yep.
[28:42] Like we went to the shops today and there was like...
[28:46] three months ago, I would have gone in and gone, Oh, I'll have that.
[28:48] Oh, I'll have that.
[28:49] I'll have that.
[28:50] I kind of walked in and walked out.
[28:53] So I knew that, but if I had spent that money, that money's not going to be there.
[28:56] So you're not tempted to touch the money in the regional?
[29:00] No.
[29:01] How, let's be honest.
[29:02] How hard was it in April, May to make this change?
[29:07] It wasn't hard at all.
[29:08] It was easy.
[29:09] I found it.
[29:10] Mind you, he had done the legwork.
[29:12] Yeah.
[29:12] He had organized it all.
[29:14] Then by meeting the actual people, like meeting, we met Zach online.
[29:18] Yep.
[29:18] Zach was our first person.
[29:19] He's now our national head of.
[29:21] I know.
[29:22] And now he's absolutely amazing.
[29:26] He's got my title, the little prick.
[29:27] Oh.
[29:28] Number one broker in Australia.
[29:29] You've trained him.
[29:31] Well, you look at the awards, there's six Infinity.
[29:34] Yep.
[29:34] There's the top brokers in Australia out of that top 15 or so.
[29:37] And I actually sit back like a proud parent.
[29:39] I'm like...
[29:40] And I know it pisses off heaps of people.
[29:42] So like, it's not like we got one, it's like six are all.
[29:46] I was like, success leaves clues, right?
[29:48] You do something which we are very different to the entire industry.
[29:52] Proof's in the pudding.
[29:53] People can hate me.
[29:55] Your people like yourself statements prove that I'm fucking killing it for customers and other people are selling loans.
[30:01] So there's a difference between selling a loan and giving advice.
[30:03] Exactly.
[30:04] But Zach's crushed it.
[30:05] I mean, he took me my whole fucking career to get broker of the year in 2021 with FB.
[30:10] He did it in like six or seven years of little shit.
[30:13] He's amazing.
[30:14] He made it.
[30:15] I'll tell you.
[30:15] Yeah.
[30:16] He made it easy.
[30:17] He made it simple.
[30:18] Those Sams and Zaks, that's what makes this really, it's not me anymore.
[30:23] It's this beast of amazing, brilliant people.
[30:27] Yeah, we taught them, but it's not me anymore.
[30:29] And that's the cool thing.
[30:30] What do you say about the Baker Bake?
[30:34] You know, that's what we've done.
[30:35] Like I said, we're procrastinating about buying a property and we're not, we're not mortgage brokers.
[30:40] We're not real estate owners.
[30:42] We don't know what to buy.
[30:43] Let the baker bake.
[30:44] And that's what we did.
[30:45] Um, you know, realizing our finances, getting the workbook, filling out the workbook, looking at the workbook going, holy shit.
[30:53] You know, we're spending money on this and that and yeah.
[30:58] Mind you, that workbook sat on the table that sits between him and I at the lounge room.
[31:02] And every time that he would leave it there, I'd turn it over or put something on it.
[31:06] I didn't get, like, I never looked at it.
[31:08] You didn't like Harold Bishop?
[31:09] No, didn't.
[31:10] Just find a way.
[31:11] I put something on it like that all the time and he would move it and I'd put it back.
[31:16] And it wasn't until that day.
[31:18] You've got to give him a bit of kudos now because look where you are now.
[31:21] So tell me, what was the, let's, let's go from all the fucking, oh my God, this is amazing and fuck, it's too good to be true.
[31:29] Let's talk about the hard shit.
[31:30] What's been hard?
[31:34] Starting a budget hard is merging your finances after 22 years, all of a sudden hard.
[31:40] What's been hard?
[31:41] I will admit that was hard for me.
[31:43] Oh, good.
[31:44] Okay.
[31:44] It was hard to, like, you know, cause I know it sounds weird, but that's my thing.
[31:49] That was my money.
[31:51] Um, we share everything else.
[31:53] Yep.
[31:53] That was mine.
[31:54] Okay.
[31:55] And then to actually put it into an account where I had to share it.
[31:59] I know like we share it anyhow, but I'm sorry, it's trying.
[32:02] I was cheering because I'd had these conversations previous saying, you know, like, I'll pay for all this.
[32:08] Your wage could go onto the mortgage or half your wage could go onto the mortgage and we could offset some of that.
[32:18] I was like, no, no, I've got this to spend and I've got this to spend.
[32:21] And Kuro, 22 years of no.
[32:25] to overnight yes, I want to give you a fucking badge or a trophy or something.
[32:33] Honestly, I know people that take months or just go, no, no, that's my money.
[32:39] And they never work with us and they never fucking change.
[32:42] And they just continue spending everything they earn.
[32:44] And then one day they contact us again when they're 58 or 62 and go, is it too late to help?
[32:51] And I'm like, you're a dumb fuck.
[32:52] It's not too late, but you fucked up.
[32:54] So psychologically, to live a lifetime doing one thing and be comfortable, to break that, it's interesting.
[33:02] Yeah.
[33:03] Well, I wanted a future for us.
[33:05] Like, I'll be honest.
[33:06] I want to retire at 60.
[33:08] I've got eight years left in me.
[33:09] And it's not because I want to retire at 60 and sit on my ass and do nothing.
[33:14] I want to go and do those things that everyone else is doing, but I don't want to be doing it at 70 or 80 and can't do it physically because my body won't work.
[33:23] Yep.
[33:24] And I want to be able to go and swim with the whale sharks at the Ningaloo.
[33:28] I want to be able to go to...
[33:30] He wants to go overseas one day and see places he hasn't seen.
[33:34] That's my goal.
[33:36] And to do...
[33:39] It was hard to take a step back and realize that he is, you were right.
[33:47] Oh, shit.
[33:48] Are we recording?
[33:50] Bobby, you were right.
[33:52] You were right to do this and it works.
[33:55] Okay.
[33:55] Like, and it's proven.
[33:59] It's proven.
[33:59] Like, you're not only with us, but with so many other people you've done it with.
[34:03] We've met hundreds of them.
[34:04] Yeah.
[34:04] And like, and you know, there's people out there that you might take a step back and think, oh, I'm watching this guy.
[34:09] He's an idiot.
[34:10] He's not an idiot.
[34:12] He actually- Liver's a little bit of an idiot.
[34:14] Yeah, he's a bit wild.
[34:15] He's a bit crazy, but that's okay.
[34:17] But he knows what he's talking about.
[34:19] That's why he's a bit of an idiot, because he doesn't fucking care.
[34:21] Yeah, yeah.
[34:21] Listen or don't listen, I don't fucking care.
[34:24] I love that.
[34:25] And that's what you've got to do.
[34:26] You've got to actually take a step out of your circle and go to the square.
[34:32] Because until you do that, you won't know what's out there.
[34:35] So you found this really easy, but you're fucking balls to those.
[34:38] You're invested.
[34:39] Yes, absolutely.
[34:41] You're owning this.
[34:42] I'm in it because this is our future.
[34:45] And I want...
[34:45] He's a griller camp for him.
[34:46] Oh, yeah.
[34:47] He is.
[34:47] He's not going to tell you, but...
[34:48] He is.
[34:49] He is.
[34:50] Well, it's just that.
[34:51] You know, to hear it from someone else, wasn't it?
[34:52] Like, you're sort of giving the message that, like, I've been trying to push for, but it's your delivery.
[34:57] He's tried for 20 years.
[34:58] It's the...
[35:00] What was it?
[35:01] The dial up that- You've been putting the bullets in the gun.
[35:03] Yeah.
[35:03] It's just someone else pulled the trigger under his hand.
[35:05] You know, and that realisation and that shit, this is going to work.
[35:08] So, yeah.
[35:09] It's pretty powerful.
[35:11] So if we've done 80 odd grand in such a short amount of time, what are you aiming for to be debt free on the home loan?
[35:20] Have you got a target in mind?
[35:22] Three years.
[35:22] Three years.
[35:23] Three years.
[35:24] Yep.
[35:25] Okay.
[35:26] Three years and another three properties.
[35:28] Okay.
[35:29] And another three.
[35:31] That can be arranged.
[35:32] Yep.
[35:33] Okay.
[35:34] Three years and another three and three.
[35:35] Yep.
[35:36] He wants 16.
[35:37] Someone else says they had 16.
[35:38] I was like, yeah, let's go for 17.
[35:41] Steve and Sue, Dr. Steve?
[35:42] Yeah.
[35:43] Steve and Sue Ann?
[35:44] Yeah.
[35:45] He's into me.
[35:45] No.
[35:45] No.
[35:46] Okay.
[35:47] Six is good?
[35:48] Yep.
[35:49] Six is good.
[35:49] Yep.
[35:50] Three years and three new homes.
[35:52] Okay.
[35:53] So that's the challenge.
[35:54] Yep.
[35:55] Okay.
[35:56] And we're committed to it.
[35:57] Yep.
[35:58] This is a big shift here.
[36:01] This is more, who's running the household finances now?
[36:04] Us.
[36:06] Ah.
[36:07] So we're in a boat together?
[36:08] Yep.
[36:08] We're accountable.
[36:11] The pair of us are accountable for our money.
[36:14] Because we're pretty fortunate because we've got a fully transactional account.
[36:20] Yep.
[36:20] So we don't, at the start I was sort of like questioning the sweep and I wasn't, what I had in my head, what the sweep was, was a bit different.
[36:29] So obviously with that fully transactional, we don't have to worry about our sweep working for us.
[36:35] Um, so really like we're doing the same thing.
[36:39] We're, we're obviously being a lot more conscious on what we're spending our money on.
[36:43] Yeah.
[36:43] You know, and we're not buying shit.
[36:44] We're not going out and, and, um, you know, having dinners all the time and shit like that.
[36:49] Does it make it, um, easier when you've got to haul ass out for a couple of weeks?
[36:53] Does it make it easier to pack the bag and go knowing that you don't have to do it forever now?
[36:57] Yeah.
[36:58] Cause I know it's, it's a fucking ass log.
[37:00] It's, it's not fun out there.
[37:01] People think, ah, it's fucking tough.
[37:03] It's miserable.
[37:04] Yeah.
[37:05] That's right.
[37:05] It's what we're coming up to.
[37:07] I think you said it was a bit more.
[37:09] It's 12 years this year.
[37:10] Yeah, you miss out a lot of stuff.
[37:12] I've missed out a lot of things with the young fella.
[37:15] Um, you know, but doing those 12 years and, and sort of at the start, just getting ourselves back up to speed on, on where we're at.
[37:23] Um, you know, enjoying it, making the most out of earning a decent wage for a bloody change and, and not being used to that.
[37:29] Yeah.
[37:30] To now going right, eh, well let's make this work for us.
[37:33] Cause jobs like this don't last forever as well.
[37:36] It doesn't last forever.
[37:38] Yeah.
[37:38] They start a project, it ends, it shuts down, shit happens.
[37:41] Yep, that's right.
[37:42] So, you know, you get these little coals all the time at where I work and you think, shit, you know, when's that going to happen?
[37:50] So make the most of it while we can.
[37:51] Yeah.
[37:52] You know, I've got a trade in the background there as well, so that's a plan B.
[37:57] So I'm curious then because we've talked about it, we're like, oh, what's hard, what's this?
[38:01] But for someone listening to me and going, fuck, that's us.
[38:04] Like there's so many people in a family dynamic of FIFO, right?
[38:07] Yeah.
[38:07] They're busting their ass.
[38:09] They're spending everything they earn because they come home and feel guilty.
[38:12] There'll be hundreds of thousands of people that see this.
[38:15] They go, fuck, that's us.
[38:17] Some of them are not prepared to change.
[38:19] You're going to go buy a new jet ski, a new SS Maloo.
[38:21] They only give a fuck.
[38:22] They work hard, play hard until there's a downturn or a redundancy.
[38:26] Touch wood.
[38:26] I hope that doesn't happen to any of them, but we see that, right?
[38:30] Especially in certain areas and industries.
[38:31] Yeah.
[38:32] For these people listening at home going, shit, that's us.
[38:34] We were that.
[38:36] You've turned it around that quick.
[38:37] What are a couple of things each of you could tell them that you've learned in this process from us, from Sam, from Zachy?
[38:44] What are some things you can say for free for people listening at home and go, you should try this, you should do that?
[38:49] What are some simple things you've learned that have just changed your life?
[38:52] I mean, they're going to be on a similar income.
[38:55] You know, mum might be working at home, part-time, full-time, dad's doing FIFA or vice versa.
[39:00] You got 80 grand off in a couple of months.
[39:03] People earn pretty similar money in these roles.
[39:05] There's some people in big money that are fucking struggling that could be just like you.
[39:09] What do you reckon they need to consider?
[39:13] Something I did beforehand was I got the bank statements out and I got the highlighter out and I went through and I like to sit around shit and get the calculator and you're like, holy shit.
[39:25] This is how much I've earned in a month because I get paid monthly.
[39:28] This is what I'm earning a month.
[39:30] This is what I threw away.
[39:32] And that's what we were doing was throwing away.
[39:34] So going through that, going through your statements, that would be a good start.
[39:37] Like if you're serious about it, it's not a hard thing.
[39:41] You know, go through your statement, mark off that stuff.
[39:43] You got your needs and your wants.
[39:46] You know, for us, the FFF is basically our needs, food, fuel, fun.
[39:50] Yep.
[39:51] Sticking to that.
[39:52] Going through that statement, doing a meal plan, working out what you're going to eat for the week and buying and shopping to that meal plan.
[39:59] You know, don't go shopping when you're bloody hungry and, yeah, shit like that.
[40:04] What else?
[40:05] Don't be scared.
[40:07] Scared of what?
[40:08] Don't be scared of making the change.
[40:09] Change.
[40:10] Don't be scared of change.
[40:11] Yeah.
[40:11] That's probably a big one.
[40:12] Everyone's scared of change.
[40:14] Because it's...
[40:15] I mean, if you're feeling like that, it can't get any fucking worse.
[40:17] No.
[40:18] It could only get better, right?
[40:19] You can't break it more than it's already broken.
[40:23] If you don't make the change, it won't get any better.
[40:27] It's going to be, it's hard.
[40:30] It was hard to actually go, yeah, you, this is what you got to do.
[40:34] Budget.
[40:36] Don't overspend.
[40:37] Don't go to the shops, but make the change.
[40:40] Don't be scared.
[40:41] What was hard was...
[40:43] That initial step.
[40:44] Well, not going from, well, no, we're going to spend this, we're going to spend that, we're going to buy this, to, okay, this is what we've got to play with.
[40:51] And sticking to that.
[40:52] It's making a decision.
[40:53] Yeah.
[40:54] Together.
[40:54] You know what we want.
[40:55] You've got to be a team.
[40:56] Yeah.
[40:56] There's no I in team.
[40:58] And if you, if you, we've always had that saying between the two of us, there's no I in team, be a team.
[41:04] Yeah.
[41:05] And that is the thing.
[41:07] And we've been a team on everything else.
[41:11] Bank accounts.
[41:13] And then I think by putting them together, it has proven that how strong we actually are.
[41:19] This is just a well-oiled machine now.
[41:21] Yeah.
[41:21] Yeah.
[41:22] Well, you guys are going to have enough to have a deposit on a new property every six months.
[41:26] Yes.
[41:26] It's just going to be like, boom.
[41:28] Oh, yeah.
[41:29] Chink.
[41:30] Boom.
[41:30] Yep.
[41:32] It's going to roll on.
[41:33] Yeah.
[41:33] You've got to listen to what you've got, what the team says to you.
[41:36] That is the one thing.
[41:37] If you, you can lead a horse to water, but you cannot make that horse drink.
[41:42] And the team that you got, that you have put in place for us have been absolutely amazing.
[41:48] I can go retire now.
[41:49] This is great.
[41:51] And you have done a fantastic job of picking these people in their industries and putting them into place.
[41:58] Yes, you've given them tools and everything, but without you picking them and putting them there and matching them,
[42:05] We also work very hard now.
[42:07] We've had a lot of people come and go.
[42:08] It's taken years to get to this position.
[42:11] But we hire the human, not the skill.
[42:13] Yes.
[42:13] I can teach the skill because what I do is completely fucking unique to the rest of the industry.
[42:18] So I can teach the skill because it's different, and I prefer to teach the skill.
[42:21] I can't teach to put your fucking trolley back.
[42:23] No.
[42:24] Do you know how many people still don't do that, but we do that now?
[42:27] Oh, yeah, I do that now.
[42:29] Fucking lucky.
[42:32] I took a photo of you doing it.
[42:33] You start putting other people's trolleys back.
[42:36] Yeah.
[42:37] Oh, no, not yet.
[42:38] I tell them to do it.
[42:39] Oh, yeah, good.
[42:39] Yeah.
[42:40] I'm the dickhead that if somebody does it, I'll put it behind their boot just before they reverse and stand there and go, put your fucking trolley back.
[42:48] It's the ultimate test, right?
[42:49] Because it's like of a human being's laziness, capacity, capability.
[42:54] There's no laws.
[42:55] You don't have to put it back unless you've got the coin operated one.
[42:57] All right.
[42:58] But the ones that aren't, so you don't have to put it back.
[43:00] It's the ultimate test of, are you rushing to an emergency as you're packing the groceries or are you just putting your stuff in the car and you're just fucking lazy and prepared to inconvenience someone else?
[43:11] Yep.
[43:11] The latter.
[43:13] That's the one thing that works.
[43:15] Yeah, it's a good test.
[43:18] Okay.
[43:18] Well tell me, tell me this.
[43:20] Wes, you said six, we've got three.
[43:23] You said six is the goal.
[43:25] I think it's probably a bit bigger.
[43:26] You just don't realize what you're capable of yet, but that's okay.
[43:30] What about travel, holidays, all that sort of stuff?
[43:33] He turns 50 next year and that's one thing I was, I said, we, we've got to go away for your 50th.
[43:39] Yep.
[43:40] I said, I don't.
[43:40] That's, that's one thing that I think he deserves.
[43:44] Like he works hard.
[43:45] He works away from us for such a long period of time.
[43:48] And the last time we did have a holiday like that was my 50th and we went up to Cape York and traveled back through Queensland.
[43:56] It was.
[43:56] Oh, you're a toy boy.
[43:58] Yeah.
[43:59] I did well.
[44:00] Oh yeah.
[44:03] I scored, baby.
[44:04] I got the boy.
[44:07] And I knew who I was going to get him too because I saw him and I knew I was going to get him.
[44:10] Yeah.
[44:13] We won't go there yet.
[44:18] But I want him to have that adventure that I had too.
[44:22] So funny enough, I said to him yesterday, last night when we were having dinner before he coming here, I said to him, you've got to figure out what you want to do.
[44:29] Do you want to travel to Northern Territory or do you want to go overseas?
[44:33] Yep.
[44:34] So you've got to figure it out because we've got 12 months to save for your birthday.
[44:38] You've got all the money sitting in the redraw.
[44:40] Yeah, but...
[44:41] The quicker you pay the deposits, the cheaper it is, right?
[44:44] So whether you book Northern Territory now, or whether you book international flights now, all that shit gets dearer as it's the last room or the last seats.
[44:52] You've got to book it now.
[44:53] You have to make up your mind now.
[44:55] No, I like this.
[44:56] This is offsetting the body.
[44:59] Interest is calculated daily, dude.
[45:01] Oh, yeah.
[45:02] Bye.
[45:03] Let's do a fucking ewe game.
[45:05] He's in third.
[45:06] He's on third.
[45:07] I've created a monster.
[45:12] So, but in all seriousness, you really are.
[45:14] Like, I'd love for you this weekend to be like, what do I want to do?
[45:18] What would I absolutely love?
[45:19] And Jackson's, how old are you, 18?
[45:21] 18.
[45:21] He's not going to want to do shit with mum and dad for much longer.
[45:25] I know.
[45:26] Or whether you just go alone, whatever, have a wild week together.
[45:30] You need to book it.
[45:31] Yeah.
[45:31] Just pay a deposit.
[45:32] Just book it.
[45:33] It's just a matter of figuring it out, like...
[45:36] Wade's the sort of bloke that will sit there and just go, oh, do I or don't I?
[45:44] And you've more or less got to kick him up the arse and say, make the fucking decision so that we can go.
[45:49] Well, he didn't.
[45:50] He the fuck we are.
[45:51] What do you mean?
[45:52] Well, he got us here, but now I've got to get him to make the decision of going on a holiday.
[45:55] They took me 12 months, didn't it?
[45:57] Yeah, they'd be cooked.
[45:57] All right.
[45:58] Analytical.
[45:59] Yeah.
[45:59] What's your trade background?
[46:01] Machete.
[46:02] I trade fabrication.
[46:03] Yeah.
[46:04] Yeah.
[46:04] Okay.
[46:04] So.
[46:05] Okay.
[46:06] Yep.
[46:06] So what, not holding you to, what would be the ideal 50th?
[46:12] Not thinking too hard.
[46:13] I'd love to go to, I'd like to go to Europe.
[46:16] I'd like to go to Scotland.
[46:18] Okay.
[46:19] You know, because you've got some really good history.
[46:22] There's some cool shit to see over there.
[46:25] Yeah.
[46:25] I mean, there's plenty of cool shit to see on our own bloody continent here, and we've just crushed on that.
[46:30] Yeah, but once you're in the world, you want to go to Scotland and do some, then you go Ireland, UK, everywhere.
[46:36] Yep.
[46:37] Oh, a trip to Europe it is.
[46:38] Mm.
[46:39] Ha, ha, ha.
[46:40] And definitely that, we will save money booking the flights now compared to the interest of having it out of the loan because they're so much cheaper now to sell the seats.
[46:50] There you go.
[46:51] Well, there you go.
[46:52] And if you don't believe me, Casey and Lenny, you were talking there, they've done three podcasts with me maybe now about the white Christmas.
[46:59] And if you don't book it, I'll fucking sack you.
[47:02] Yes.
[47:02] So there you go.
[47:03] If you don't book your birthday, I'll fucking sack you.
[47:05] Oh, no, please book the fucking birthday girl.
[47:08] The fucking birthday girl.
[47:10] Sarah, I mean, I'll put you a bit of pressure there.
[47:13] It doesn't have to be like that, but it sounds like it's a trip to Europe.
[47:16] Yeah.
[47:16] And whether Jack wants to go or not or do part of it with you or something, you know, maybe he does part of it.
[47:21] Maybe you do part of it on your own.
[47:23] He probably doesn't want to go to fucking Venice in a gondola with you and all that sort of shit, but you know.
[47:28] I think if we did that, he could stay at home.
[47:31] Well, he needs someone to look after the dog, so.
[47:32] Yeah, he can stay at home, look after Flo.
[47:34] Yep.
[47:36] 50th.
[47:36] Yep.
[47:37] Leave him some money for some pizza, he'll be fine.
[47:40] We could do it.
[47:40] He should be working by then, so it's all right.
[47:42] Yeah.
[47:43] All right.
[47:44] Well, I'm going to throw it out there.
[47:45] Six is not aiming high enough.
[47:50] You've got way more capacity.
[47:52] Seven aim.
[47:55] I'll let you think on that for our next podcast together.
[47:58] Okay.
[47:59] Yeah?
[48:00] But you should be bloody proud of yourselves.
[48:02] I can see you're proud of each other, which is really cute.
[48:04] That's really, really special.
[48:06] And I'm glad you convinced each other of certain things and came together as a team.
[48:13] It's really interesting that...
[48:15] Almost everyone that comes to these masterclasses could look like they've got perfect lives.
[48:21] They actually don't.
[48:23] It's weird.
[48:24] Like they're living separate lives almost and raising kids and doing jobs.
[48:28] But I'd say, I think on the last masterclasses, like 86% of people applied to work with us.
[48:34] It was a record.
[48:34] It's usually about 83%.
[48:36] And then we say no to about 20%, right?
[48:39] Yeah.
[48:40] But out of those people, you typically find out of the 86%, we say yes to about 65, 66 out of that group.
[48:49] But out of that, I reckon only 10% are living these most amazing, beautiful, perfect lives.
[48:53] Because they're coming because they've got a financial issue.
[48:56] And it's funny.
[48:58] So people say, oh, money's the root of all evil.
[49:00] The lack of understanding of money is the root of all evil because once you fix your money problem... Everything's fixed.
[49:06] Everything fucking falls into place.
[49:08] It's just a tool or it's a pain point.
[49:11] Yep.
[49:11] And once you fix it, you're as happy as a pig in mud.
[49:13] You don't just teach how to fix money.
[49:16] You fix everything.
[49:19] Mm.
[49:19] I'm starting to realize.
[49:21] You're not just...
[49:21] Pretty deep.
[49:22] You kind of...
[49:24] The flow-on effect, that ripple effect, that rocking to fix the money, those ripple health, wealth, you know, it's wild.
[49:32] We're only, Beck and I are only truly just starting to grasp the impact.
[49:37] It's pretty special.
[49:38] We're not sad.
[49:39] Sorry?
[49:40] You go.
[49:40] We're not earning more than what we were earning before as well.
[49:44] But, like, you can just say that we're financially better off already because...
[49:49] We're just managing that money a hell of a lot better.
[49:51] And that's through your team, you know, with Sam and Zachy at the time.
[49:55] And yeah, just making us realise.
[49:58] You can go to sleep easy.
[50:01] You can go to sleep easy and you can wake up and you can feel, like I know Wade used to stress, like he wouldn't sleep.
[50:07] He was not there, he wouldn't sleep.
[50:09] He was not there before FIFA and, you know, earning the single income because we were raising a kid and we got these bills coming in and just laying there awake, stressing about.
[50:20] money so someone heard that right now all the good fluff then it's all amazing and then right then you get a bit fuck it was bad it was stress i can see it in your faces and that shit's gone we don't have to feel it anymore but if someone's listening and watching that now and just went that's us what do they need to do i mean don't forget come watch me but what should they do fucking straight away
[50:42] Put it all in one account.
[50:44] Make two accounts.
[50:45] Don't listen to all the other shit that everybody else says.
[50:48] Like, honest to God, get your salary and bills.
[50:50] Put all your bill money into there.
[50:52] Well, your salary money into there, pay your bills from that, work yourself out what you need to get you through and then watch your segment, watch you on Facebook and watch you on Instagram.
[51:02] Don't pay us, just do the free shit.
[51:04] That's what I mean, just watch.
[51:05] I don't need the money, do the free shit.
[51:07] Because there's some really good points that you make up.
[51:10] Like, you know, we're thinking that we're doing the right thing.
[51:13] I had the pay account, the bills account, the savings account, then another savings account and...
[51:19] You know, all these things, right, we're doing the right thing here.
[51:21] And then you say, well, no, you don't have savings because you've got a mortgage.
[51:26] Yeah.
[51:27] Make that work for you.
[51:28] So there's a way to see what we put it in there.
[51:30] You've got savings earning 5% tax free.
[51:32] That's right.
[51:32] That's right.
[51:33] So, you know, for someone out there, I guess...
[51:38] The big thing would be to have a look at, like I said before, have a look at those statements.
[51:42] Yeah.
[51:42] Go through what you're spending your shit on.
[51:45] Go and talk to your bank manager.
[51:46] Go and talk to your mortgage broker that you're dealing with and sort of see where you're at.
[51:51] Yeah.
[51:51] You know, and reach out to yourselves as well.
[51:53] So...
[51:54] Go see someone.
[51:55] I know.
[51:56] Do something.
[51:57] If you don't like the responses you get when you're listening to real people who are crushing it, you said the right, go see your banker, go see your broker.
[52:03] And if they tell you fuck all, come see us.
[52:05] Yeah.
[52:05] Watch our free shit.
[52:06] If they help you, I don't care.
[52:08] Just fix your shit.
[52:10] If you don't want, you know, if you don't like the answers that you're getting, then you don't want to change anything really.
[52:15] Yeah.
[52:16] You know, if you want to change it, then you're going to take on board the people who know what they're doing.
[52:21] Well said.
[52:22] Yeah.
[52:22] I want to hear about this holiday booking before we get together again.
[52:26] It's a big thing.
[52:26] Otherwise you're fired.
[52:28] And before we finish, I want to know if you've got any questions for me that you've been dying to ask since you started earlier this year or anything that's popped up today or yeah.
[52:38] Just out of curiosity, do you suffer from menopause?
[52:42] Menopause.
[52:43] Menopause.
[52:44] Because every room I go into when you're in it, it's freezing.
[52:47] Oh, no, I'm just fat.
[52:49] Oh.
[52:49] Yeah, but that's the equivalent of menopause, yeah.
[52:52] So I love it because I am post-menopause.
[52:55] And I probably do.
[52:56] All your rooms are beautiful.
[52:58] They're always like 21 degrees, perfectly, never higher, never lower.
[53:03] If it's a cold, if I'm a bit cold, when I lose a bit of weight, I'm like, oh, we'll go 22, 23.
[53:06] Yeah.
[53:08] But when I'm a bit chunky, 23, that's like a hot summer's day for me.
[53:11] Oh, I love it.
[53:11] I'll be honest.
[53:12] It's beautiful.
[53:13] Yeah, I've definitely got a bit of manopause.
[53:15] And I'm just cranky and grumpy and tired all the time.
[53:19] Well, I don't think you are.
[53:21] Cuddly great.
[53:22] Cuddly.
[53:23] That's a good one.
[53:24] I like that one.
[53:24] Sorry.
[53:25] That's a goodie.
[53:26] Anything else?
[53:27] Well, somebody else asked me if they could use my en suite before in my office.
[53:30] I don't know.
[53:30] So as I realised everyone's been said, ask Jeeve if he can take a number two in his toilet.
[53:36] I'm very protective over my toilet.
[53:38] I'm like, for fuck's sake.
[53:39] Did they get to use it?
[53:40] Somebody took a pee in there today.
[53:42] They're like royalty now.
[53:44] There you go.
[53:45] What's for yourself?
[53:47] I know you've got this fast-paced life.
[53:49] You're a very busy person.
[53:52] You know, you're doing all this, obviously, for a reason like the end goal as well.
[53:57] What's the end goal?
[53:59] What's the retirement plan?
[54:01] Yeah, I'll never retire as such.
[54:04] I mean, I could have retired ages ago.
[54:06] We're doing really well, thankfully.
[54:08] Touch wood.
[54:08] That's great.
[54:09] But for me, like growing up, you know, single mum, house-o's,
[54:15] Other friends, parents helping, you know, raise me, take me to sport, all that stuff.
[54:18] And then a popper raised me.
[54:20] For me, it was lacking that father figure.
[54:23] So if I get real deep on it without trying to get emotional, I want to make sure, and that's why we're working on health again, I want to make sure I'm a super present parent.
[54:31] I don't want to, you know, you've had to go away and you said so you miss things.
[54:35] I want to, and mind you, since 2012 when Becca and I started, I have missed fucking almost everything.
[54:42] Everything.
[54:42] Yeah, I mean, my grandfather passed away.
[54:45] I got the phone call.
[54:46] It was an hour before one of our REMs.
[54:50] Everyone's flown in from all over the country.
[54:51] There's 600, I don't know, five, six, 700 people there.
[54:54] What do I do?
[54:55] I show up.
[54:56] I can't do anything at the moment.
[54:58] No time to grieve right then and there in the moment.
[55:02] So for Beck and I, I've always said from day one when we met, we both, when we met, come out of bad relationships.
[55:09] We both told each other exactly what we didn't want.
[55:12] And we both told each other exactly what we did want and how we operate.
[55:16] And we don't really, I say, I don't fuck with no one.
[55:19] Like we don't really socialize with anyone.
[55:22] We don't do a lot of, if we do something, we do it well for three days and we get bored.
[55:28] I mean, I can float in a pool for two days and then I'm fucking back working.
[55:31] And I like driving my car for two hours, one of my car, like, so it's always been to make sure that, you know, when we do start a family, super present parent, I'm going to be one of those weirdos at homeschool, but I'll make sure they're heavily involved in sports.
[55:45] So they're not the weird homeschool kid, if that makes sense.
[55:47] I get their interaction and friends and normal life from sport.
[55:51] But I want to raise children and teach them real life shit.
[55:53] Yeah.
[55:54] And, you know, hopefully take over the business or businesses and teach them real life shit.
[55:58] Two hours a day is enough.
[56:00] Hey, this, this, this, that, the other.
[56:02] And teach them skills that actually fucking matter.
[56:04] Not to stop, drop and roll when you're on fire.
[56:07] I've never fucking been on fire, but boy, do I need to learn about tax.
[56:11] I play three blind mice on the fucking recorder.
[56:15] I've never had to use that either.
[56:17] Some of the shit they tell you.
[56:19] You can do Star Wars and movies and shit in the school teacher scene.
[56:23] Like, fuck off.
[56:25] So I think...
[56:26] I want to be a super present parent.
[56:28] I know that.
[56:28] I want to be a super present parent.
[56:30] Also, Beck's gone without a lot, like of each other for us and me.
[56:34] I've put most of the things I want in life on hold to build this community.
[56:40] And it's become a beast of it.
[56:42] You know, the community days we're doing, even a while, the events we're doing, you know, all sorts of stuff.
[56:47] So for me, I want to continue to build that community.
[56:50] Um, but I'm doing it globally.
[56:52] I have this weird legacy thing of who's going to show up to my funeral.
[56:57] I know it's sick and twisted.
[56:58] I've got more issues than Vogue, but I always think about who would show up to my funeral.
[57:03] If you actually know me, like you've met me once or twice, what would you say about me if I'm not in the room?
[57:09] A lot of people have a lot of opinions of me because I'm out there in my industry.
[57:13] None of them fucking know me.
[57:15] They don't know me at all.
[57:17] They take an impression from social media or some of their clients became my clients.
[57:21] But what would people who actually know me, who would turn up to a much younger or how big would it be?
[57:25] Yep.
[57:26] How many people do I impact?
[57:28] If I impact you, do I impact Jack?
[57:30] Yep.
[57:31] And that's the big, you know, the cherries and then Oscar.
[57:33] Yep.
[57:34] So how many people can I touch globally?
[57:38] Where for me, you know, mum never would have owned a home for us growing up.
[57:42] You know what I mean?
[57:43] We've got a home for her now.
[57:45] For me, it's like I'm the one, I'm breaking the cycle.
[57:48] Yep.
[57:48] For generations.
[57:50] But I'm also going to make sure for generations to come, our family is looked after.
[57:56] Not a free ride, but they want to have a home, they want to have a roof over, they'll learn the value of a dollar.
[58:00] This is a big legacy and impact thing for me.
[58:05] And I'm obsessed with it.
[58:07] And there's one thing about people that are obsessed with something.
[58:11] You can't slow them down.
[58:13] You can't, it's an obsession.
[58:15] It's an infatuation.
[58:17] It's an adrenaline.
[58:18] Yeah.
[58:20] Yeah, it's my natural.
[58:22] I maybe drink once every couple of months if I'm off my training or one of the programs.
[58:26] I'm not going to go and drink every single night when I get over.
[58:29] It doesn't interest me.
[58:29] I've got too much shit to do.
[58:31] By the time I fall asleep at the computer, I go to bed.
[58:34] So I'm absolutely obsessed with taking what I call just the everyday average family and turning them into more of a higher net wealth, more financially literate, sophisticated family for a couple of generations to come.
[58:50] That's my big play.
[58:51] And we're doing it.
[58:52] We've got thousands, thousands.
[58:54] I can't even imagine how many people are going to be at the Christmas party this year.
[58:57] It's going to cost me a fucking bomb.
[58:59] Looking forward to it.
[58:59] Yeah, we're going.
[59:00] Fuck, have you got your costumes yet?
[59:02] No, not yet.
[59:02] We're slowly getting there.
[59:03] I saw there's going to be plenty of skin, so we'll see, eh?
[59:06] Yeah.
[59:06] Oh, yeah.
[59:07] I asked one of the boys the other day if they were going to get them infinity nipple tassels.
[59:11] Those boys go to festivals and they're all jacked and they've got their shirts off and this infinity fest in Coachella.
[59:16] I love it.
[59:18] Somebody said the other day they reckon we should be doing infinity tattoos.
[59:22] Oh, that's a good idea.
[59:23] That's why everyone keeps telling me.
[59:24] I think one of them.
[59:25] That's why everyone's saying...
[59:26] I know where I'd put it.
[59:27] I'd put it right there.
[59:28] Yeah, everyone's telling me they're going to get little... See behind you there, that changing lives gift I was given from Jeremy.
[59:35] Everyone's like, I want a blended blue and red little infinity tattoo.
[59:39] That would look wicked.
[59:40] And I'm like, I don't know the legal ramifications of this before everyone drinks, but do I get 50 tattooists there during the day or something?
[59:48] I don't know.
[59:49] Thank you.
[59:50] I'll put it in the Facebook group or school or something.
[59:53] Who wants tattoos at the Christmas party?
[59:54] Oh, you'd have them, everyone lined up.
[59:56] That's fucking very weird and culty.
[59:58] Very weird.
[1:00:00] Then I can say to Jackson, hey, I did join a cult.
[1:00:03] So yeah, but I think the short answer to your question is I'm very, very driven by the things that I lacked growing up.
[1:00:10] Hence the Salvo's Christmas party, you know, tinned food.
[1:00:13] Like those things you see me do, I do a lot privately, but the things you see me do publicly at, you know, issue a moment for 500 grand and thousands of presents.
[1:00:22] Those things are very deep seated in me and drive me every day when I wake up.
[1:00:27] And I want to do that at scale.
[1:00:29] Like, you know, we've got maybe 8 million mortgages in Australia.
[1:00:32] There's 85 million in America.
[1:00:35] Hence why I've gone there to fuck shit up because BlackRock came here and said, we'll save you.
[1:00:39] We'll give you a 40 year mortgage.
[1:00:40] So your payment's lower and you save money.
[1:00:43] No, you're 500 to borrow.
[1:00:44] That's 1.1 in 30.
[1:00:46] Over 40, it's fucking one and a half.
[1:00:48] I'm not copping that.
[1:00:49] So you want to come here and fuck with us?
[1:00:51] I'll come fuck with you.
[1:00:53] And I can, these days with technology, I can do it.
[1:00:55] I can turn a webinar on in America and fucking touch everyone everywhere.
[1:01:01] That'd be very interesting.
[1:01:02] Fucking game on.
[1:01:04] So that's that.
[1:01:04] That's that.
[1:01:06] We're to and fro it on it.
[1:01:08] We're like, fuck.
[1:01:09] we're really comfortable.
[1:01:11] Enough people already don't like me.
[1:01:13] They've got an opinion on me, but I don't have an opinion of anyone in the industry that says shit about me.
[1:01:17] I just block them or I sue them.
[1:01:20] And that's funny.
[1:01:21] I've got a drawer full of letters signed saying, I'm sorry that aren't confidential.
[1:01:25] So I didn't sue them.
[1:01:26] So if they ever say shit again, I will sue them because if you don't know someone, you can't say shit.
[1:01:31] Yeah.
[1:01:31] So I think we really, really had to take a strong approach of what drives us, what are we doing?
[1:01:38] And I'm super obsessed with this.
[1:01:40] There's no downtime.
[1:01:42] And it was, we nailed it in Australia.
[1:01:45] We're super happy.
[1:01:46] We're changing lives in so many ways.
[1:01:50] Why take any more risk?
[1:01:52] Why let anyone throw another rock at you?
[1:01:54] I don't want to be on my deathbed going, I could have had global impact.
[1:02:00] I would fucking die miserably.
[1:02:03] I would fucking be miserable.
[1:02:05] Miserable.
[1:02:06] So, fuck it.
[1:02:08] We'll have impact globally.
[1:02:10] And it won't just be the US.
[1:02:12] I know what my brain's like.
[1:02:13] It's a European further on.
[1:02:15] Yep.
[1:02:16] Maybe multiple.
[1:02:17] I mean, it transcends borders.
[1:02:19] We've just come back from there.
[1:02:20] I did a couple of presentations to a few hundred people just to test it with partners and industry people.
[1:02:26] And everyone was like, fuck, hair standing up on their arms and neck.
[1:02:29] We had staff, team members go that were, you know, shared and coached and did interviews for team members and stuff to see if it's the right fit.
[1:02:37] And this transcends borders.
[1:02:39] And it's actually more powerful there because they have 15 and 30 year fixed loans.
[1:02:43] So it's just really, whilst people look at this and go, fuck, it's one of the biggest finance companies in the country.
[1:02:50] Definitely the biggest coaching, budgeting, there's nothing like it.
[1:02:54] I mean, we're spending millions a year just on putting fucking community events on.
[1:02:58] Right?
[1:02:59] Like, I mean, who does that?
[1:03:00] It's weird.
[1:03:02] So watch this space.
[1:03:04] Whilst everyone thinks, fuck, it's wild, it's only just getting started.
[1:03:09] And we're here for the journey Well that's the cool thing I say to many people You don't realise everyone's kind of Even now they're kind of the foundation member Of a global movement So you look at those things like fire Financial independence No one wants to fucking retire early And be brain dead You die People want to have the choice to slow down Or stop work early But you get these global movements And that's the thing I'm going to turn this into a global movement Or die trying
[1:03:38] I reckon you'll do it.
[1:03:39] Oh.
[1:03:40] You'll achieve it.
[1:03:41] I know.
[1:03:42] You will achieve it and we're all here part of it going with you.
[1:03:44] Okay, and that's the thing.
[1:03:46] People will be looking overseas or looking at this podcast and creeping you on social going, hey, are you real?
[1:03:52] Are you a paid actress?
[1:03:54] And it's part of a global movement.
[1:03:56] You'll help one other family in some other side of the world or here and they'll get their shit together because they're FIFA.
[1:04:03] Yep.
[1:04:03] And they'll go, fuck, that's just like us so I relate to that.
[1:04:06] Yeah.
[1:04:07] Yeah.
[1:04:07] So, but you should be very proud of yourselves, guys.
[1:04:10] Thank you.
[1:04:11] Very proud.
[1:04:11] To see- You've done it.
[1:04:12] You come together and to see the results you're achieving is, it's really special.
[1:04:18] And I can get a thousand fuckwits, send a nasty message or comment, dumb shit, and we'll just block, block, block.
[1:04:23] It's always a guy with a picture of a dog or a fish in social media.
[1:04:27] We get dick pics.
[1:04:28] We get weird.
[1:04:29] I'm like, there's so many broken men.
[1:04:31] It's always these weird people.
[1:04:32] We just block and move on.
[1:04:33] But I can get a thousand shit messages and I can have one conversation like this that trumps the thousand dickheads.
[1:04:39] So you should be really proud of yourselves.
[1:04:41] Thank you.
[1:04:42] Very proud of it.
[1:04:42] I bet you've got it right.
[1:04:43] The holiday will be fine.
[1:04:45] Bandy.
[1:04:46] You're on holiday.
[1:04:47] I've got to get Sammy to check in on that.
[1:04:49] And we're going to do this again in a couple of months.
[1:04:52] All right.
[1:04:52] It's been a pleasure.
[1:04:53] Thank you for having us.
[1:04:54] Thanks, guys.
[1:04:55] Cheers.
[1:04:55] Thank you.
[1:04:56] You're fucking gone.
[1:04:57] See ya.

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