# From $9k Off Our Mortgage in 1 Year to $17k in Just 90 Days | Andrea & Darrel | First 90 Days | S1E4

An episode of [Money Mentor Podcast™](https://invisiblenetwork.ai/podcast/1632604767), 19 Aug 2026, 23 min.

Audio: https://episode.flightcast.com/01M0C88HWTD0CZ01HGW7BY64Z2.mp3

Darrel and Andrea paid off $9,000 in a year. In their first 90 days with Infinity, they paid off $17,000. For years, Darrel and Andrea felt like they were doing everything right, paying the loan, saving, refinancing, and still going nowhere. When they finally sat down and ran the numbers, they were blown away to learn they'd been losing $200 a week without realising it, and admit they kicked themselves for waiting two years to find out. In their first 90 days, they paid off $17,000, almost double the $9,000 they'd managed in the whole year before. They've since bought their first investment property, started a second through their SMSF, and say it's taken a big weight off their shoulders. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #ChangingLivesPodcast #MortgageFreeAustralia #FinancialFreedom

## Transcript

[0:00] We've just wasted years and years of our life.
[0:03] We thought we were doing the right things.
[0:05] We're earning good money, paying off the loan, money in savings, had refinanced, but we're not getting anywhere.
[0:11] I had started seeing Graham's ads.
[0:14] We're always busy with the kids and we just kept pushing it.
[0:17] And I was like, you know what, Daz?
[0:18] I'm going to do that free webinar.
[0:19] And I was just blown away with what I had learned.
[0:23] We only paid off $9,000 a year.
[0:25] In one year and you've already got 17 now in just over 90 days.
[0:29] Yep.
[0:30] What are some other light bulb moments that you had?
[0:33] Just blew our mind.
[0:35] How's your outlook on the future changed?
[0:36] Oh, the future's good.
[0:38] The future's really good.
[0:42] And today we're joined by Daryl and Andrea.
[0:45] How are we, guys?
[0:46] How are you doing?
[0:47] Good.
[0:47] Very good.
[0:47] Thank you.
[0:48] Good, good.
[0:48] How are we feeling about being here?
[0:50] I'm excited.
[0:51] Good.
[0:52] Good.
[0:52] I mean, you're still very fresh to the Infinity family, but that's the whole point of this new podcast series that we're doing.
[0:58] We just want to interview people that have been with us just for 90 days because we want to know about the start of the journey, not just, you know, the end or, you know, a couple of years in.
[1:06] So let's start there.
[1:07] Let's start before you actually met Infinity, where you were at financially, why you felt like you needed help, what the family was doing at the time.
[1:14] Okay, well, I'll start out.
[1:16] I've done a lot of fly-in fly-out.
[1:19] Having earned that type of money and feeling where is it going seemed to be always like at the end of the week you've where to go.
[1:30] Yeah.
[1:30] And then that roller coaster of going nowhere and either going backwards or feeling that you are going backwards and then we kind of got to a point when
[1:42] Being at that age, you're going, well, probably 56 years' time or something like that.
[1:46] So we need to stop and plan what are we going to do.
[1:50] And we thought about it for ages.
[1:52] And that's where Andrew come in and found you guys.
[1:55] So you found infinity.
[1:57] I did.
[1:57] I had started seeing Graham's ads popping up on social and just putting it in the back of my mind because like Daz said, we thought we were doing the right things.
[2:09] We thought, you know, we're paying off the loan, we're putting money in savings, you know, doing what we've been taught.
[2:16] like from such a young age but not seeing like we're not getting anywhere, if you know what I mean.
[2:23] Like, you know, we could see people, you know, get the houses and get the fancy cars but we thought we're earning good money but we're still only tracking ahead just a little bit step by step.
[2:36] And I thought, you know, I had previously worked in the bank years ago and knowing what I know didn't really kind of sit well with me
[2:46] And then I kind of thought, I'm going to do that free webinar because it just kept coming up.
[2:50] And I was like, you know what, Daz, I'm just going to do it.
[2:53] So I sat myself in the office and I actually did the free webinar and I was just blown away with what I had learned just from, you know, that hour.
[3:03] A free couple of hours.
[3:04] Exactly.
[3:05] Yeah.
[3:05] Not even a couple of hours.
[3:06] Yeah.
[3:07] And I had kept telling Daz, I'm like, you've got to come in here and have a look at this.
[3:10] And yeah.
[3:11] He would come in and then life just happened.
[3:13] We kind of just forgot about it.
[3:15] Because when did you find us?
[3:16] What was the month?
[3:17] Oh, it would have been like two years ago.
[3:20] Oh, wow.
[3:21] Yeah, like two years ago.
[3:22] And it was kind of like we're always busy with the kids.
[3:26] Yeah.
[3:27] And it was just like we were always going to do it.
[3:29] We were just like, we'll do it.
[3:31] And we just kept pushing it.
[3:32] And I was like seeing him working as hard as he does and just, I don't know, not, like I said, not getting ahead in life.
[3:41] And not like, I don't know, making a dint in the loan I think was the big thing because, you know, you think, oh, we're going to pay this loan off and then we'll refinance.
[3:50] So we did.
[3:51] We ended up going to a broker, thought we were doing the right thing, had refinanced.
[3:57] And then we just sort of was like, I'm so sick of just being basic.
[4:02] Yeah.
[4:03] Let's just give this a go.
[4:05] Like what?
[4:06] you know, what is it going to do?
[4:07] Yeah.
[4:08] And when you say give it a go, you mean sign up from the masterclass from the webinar?
[4:11] Yeah.
[4:11] 100%.
[4:12] So she kept on asking because I'm in a fairly high position in construction sort of thing and I just didn't have time.
[4:19] Like even when she was doing the webinar, can you come in?
[4:21] Oh, I've just got to answer this call.
[4:23] And half an hour later I'm off that call and come in and go, oh, where's it up to?
[4:27] Oh, this, this, this, this.
[4:28] And I went, oh, okay.
[4:29] Oh, just wait.
[4:30] I've got another call.
[4:31] I just didn't have time to connect and just do it and then,
[4:35] Finally got another job where I was doing a bit of driving and I could actually connect with the podcasters.
[4:40] Listen to it in the car.
[4:41] Yeah, so I had time.
[4:42] I had nothing else to do.
[4:44] I was driving.
[4:45] So the hour of driving in the car gave me a chance to listen to it.
[4:49] And it only took about, I don't know, three times, three or four times.
[4:52] And I said, oh, I need to find time to do this webinar.
[4:55] So I found time to do it.
[4:56] I went, yes, let's sign up for Masterclass.
[4:59] And then again, oh, there's one this week.
[5:01] I went, oh, no, I can't do that.
[5:04] Let's make it the next one.
[5:05] And we finally did the next one and then...
[5:07] Yeah.
[5:08] Ball rolled from there.
[5:09] Yeah.
[5:09] So it was two years from when you found it.
[5:11] Then when you finally got to do it, how long in between from when you finally watched it to actually doing the master class?
[5:16] It would have been a month.
[5:19] Month.
[5:19] Yeah, probably about a month.
[5:20] Because every podcast that he listened to just cemented our yes.
[5:26] Yeah.
[5:27] It was just how Graham explained it and...
[5:30] He was just and then he does told me to listen to the podcast.
[5:33] So I had started to listen to the podcast and I'm like, I don't need to listen to any more.
[5:37] Let's just sign up.
[5:38] And then when we did the master class and we saw the figures and wrote our own figures down and visually could see it.
[5:46] On how quickly you can pay your home and I think.
[5:48] Do you remember what it was?
[5:50] It was like five years.
[5:52] Yeah, five and a half years or something.
[5:55] Did you believe it at the time?
[5:57] Well, I didn't believe that part but when we're living this in the podcast and some of the information just coming out of that, I'd actually get to work and just be mind blown and go on annoyed with myself and then I'd get on to whatever I've set up and said I'd cancel that, put money across here because I had the thought process that,
[6:16] My pay every week, I put money in a high interest rate account.
[6:19] Yeah, you were doing something really bad.
[6:22] Really stupid.
[6:23] So I listened to this one, I can't remember which one it was, and they said, well, technically whatever you're putting in there, you're paying tax on that.
[6:29] Yeah.
[6:30] Plus whatever interest you're paying tax on that.
[6:33] If it was in your loan, then you're actually, anyway, it worked out to be $200 a week.
[6:39] I was behind.
[6:40] I went, this is stupid.
[6:42] So I parked, got to work, did my pre-starts with all my construction stuff and then I actually went back in the office and changed that straightaway, cancelled that account, put it on that loan.
[6:51] Yeah.
[6:51] Because it just blew my mind going, okay.
[6:53] Yeah, because like you said, you're trying to earn, you know, 3% when you're paying 6% on a home loan.
[6:58] You're like, it just mathematically doesn't make sense.
[7:00] It doesn't.
[7:00] And then you go, why didn't I think of that earlier?
[7:03] Yeah.
[7:03] Yeah.
[7:04] So it was the mind-blowing there and then plus there, the masterclass, just the figures come out at you and you go, holy, what?
[7:11] You can be debt-free in less than 10 years, less than six years for you guys.
[7:14] Yeah.
[7:15] And you kind of feel stupid too with the amount of years that you've wasted.
[7:19] Yep.
[7:19] Like that's how I felt.
[7:21] I was like...
[7:22] We've just really wasted years and years of our life.
[7:27] Yep.
[7:27] Did it make you reflect back on when you'd found us two years prior and then you'd taken a bit of time as well to watch the webinar and kind of make you go, oh, why don't we do that?
[7:36] As soon as we found G. You just kick yourself.
[7:39] Yeah, and I'd probably apologise a few times already kind of thing.
[7:44] If only I had time.
[7:45] In my head, well, I don't have much time with my work but you've got to do
[7:50] personal stuff first before you do work stuff and I just go, well, why didn't I do that for myself?
[7:54] Like it's important to prioritise it.
[7:56] Yeah, do myself first and then work will come.
[8:00] Yeah.
[8:00] Yeah, it's a bit annoying.
[8:02] Well, you're here now.
[8:03] Yes.
[8:03] You've done the masterclass.
[8:04] What are some other lightbulb moments that you had from the masterclass?
[8:09] Pretty, well, like I said, that saving one was massive.
[8:13] That was the biggest one.
[8:14] It just blew our mind of where it's from.
[8:16] But the budget side of things, again, because we were earning what we were earning, we didn't have, never had one.
[8:25] Yeah.
[8:25] We just go and buy whatever and...
[8:27] The big one I've myself have learned as well is don't buy it straight away because you want it because you'll buy it and it just sits there because you just wanted it right then.
[8:38] But we've learned a lot from the budget.
[8:41] So we signed up and we said that our FFF will be $1,200 a week.
[8:50] What?
[8:50] Yeah.
[8:51] And the other end of the line when we said it, going, ah.
[8:55] Because hang on, how many people do we have in the household?
[8:57] So five.
[8:58] I've got three boys.
[8:59] Three boys.
[8:59] Three teenage boys.
[9:00] And we know Casey and Lenny have four kids and they're doing it at 780.
[9:04] Yes, we know.
[9:07] Well, we've now reduced it down to 850.
[9:10] Yeah.
[9:11] That makes me feel a bit better.
[9:12] I can breathe a little bit.
[9:13] Well, yeah, the echoes in the back of the phone call when we said 1,200,
[9:20] I'll get sacked if I let you do that.
[9:21] Yeah, literally.
[9:23] Yeah, can we bring it down to 900, 900?
[9:25] Oh, no.
[9:25] What about 950?
[9:28] Okay, we'll agree on that.
[9:29] Yeah, but I think we could probably go lower now.
[9:32] Yeah.
[9:32] Just implementing...
[9:34] what we've learned, we're literally putting money away.
[9:39] We're sweeping it every month.
[9:41] Yeah.
[9:41] Like it just makes us so proud of, and also teaching the kids too.
[9:45] Yeah.
[9:46] So you've already got them on board as well.
[9:47] Yeah.
[9:48] So from day one, we've told them that it had to be a budget and we have to stick to this certain budget.
[9:54] We have to meal plan.
[9:55] So obviously trying to feed them, you know, because they're quite active.
[10:01] Yeah.
[10:01] It's been a big, big change.
[10:04] But how's it felt though?
[10:05] Have you felt, feel like you're missing out on anything?
[10:07] No.
[10:07] No.
[10:09] I feel really good because, you know, I'm in construction.
[10:13] There's a plan.
[10:14] I've got to plan every work that I do to make sure it runs correctly.
[10:18] So having the plan with our meals and our budget now makes me a lot comfortable at home because I'd come home for a busy day and go, all right, whatever's happened and we'll get takeout.
[10:27] Yeah.
[10:28] I don't want to think.
[10:29] I want to.
[10:30] just chill for a bit.
[10:32] But, yeah, having this structure has just calmed you when you come home and going, well, it's all sorted.
[10:37] It's all I can see it's right in front of me.
[10:40] This is happening.
[10:40] This is happening.
[10:41] Yeah.
[10:42] Yeah.
[10:42] Yeah.
[10:43] And talk me through what your first 90 days has looked like.
[10:46] So you've signed up from the master class, you've gone through the strategy process and had your first strategy written for you and delivered.
[10:52] Yeah.
[10:53] What has happened since then?
[10:54] What have you achieved?
[10:55] So we've got our first investment property.
[10:58] Yep.
[10:59] And we're literally currently in the works of our second investment property through SMSF.
[11:05] Yep.
[11:06] Which is another thing that's kicking me.
[11:08] We did our meeting and they said, oh, we'll catch up with your Smurf and sort that out.
[11:15] And then they said, oh, there's a lot of paperwork with it.
[11:17] And I said to them, look, I don't have time for that.
[11:20] Yeah.
[11:20] There's a lot of signing you've got to do through this.
[11:22] She said no at first because of all the paperwork.
[11:24] I said no because, well, the first initial said, oh, you need to fill this out and then we'll do what they're doing.
[11:30] I said, well, I don't have time for that.
[11:31] But then we come to REM, got our first investment.
[11:35] Went and seen Mayank and he said, well, no, the first paperwork isn't the big stuff.
[11:42] It's just to do your assessment on that point.
[11:44] Yeah.
[11:45] Oh, are you serious?
[11:46] And he goes, yeah, yeah, just fill out all this and then we'll do the assessment and come back.
[11:50] And then that's the paperwork.
[11:51] I went, God damn it, I've just missed a month and a half of not doing it because I thought... And then you hear about their self-managed super fund changes as well.
[12:00] Three days after our okay meeting.
[12:01] Yeah.
[12:02] So we had the meeting with him.
[12:04] He went through all the plan and everything and said, yep, that is perfect.
[12:07] Let's do it.
[12:08] And then two days.
[12:09] It was a Monday and then Wednesday they announced it went...
[12:12] hello, is this going to affect us?
[12:17] So, yeah, he asked a few questions and settled us down and he goes, no, you should have time.
[12:22] Yeah.
[12:23] Yeah.
[12:24] Yeah, we moved very quickly for everybody who needed us to in that time.
[12:28] Yeah.
[12:28] But it's a true testament to, you know, when you just sit and you wait and you just.
[12:32] Yes.
[12:33] Yeah.
[12:33] Sitting on the, like, again, like you're saying, was there anything you regret for that much time you'd, that much time?
[12:41] It happens like you're going, oh, maybe, maybe, maybe, and then in a month it goes past and you go, oh, actually we should be doing this.
[12:47] Yeah.
[12:47] What just happened?
[12:49] Yeah.
[12:49] And then the government does what it does and you go, oh, I shouldn't worry me because I've already done it.
[12:55] Yeah.
[12:55] But obviously you guys stepped in and hopefully get us through.
[12:58] It's all going to be okay.
[12:59] Yeah.
[13:00] Yeah.
[13:01] And what was the home loan balance when we started?
[13:02] Yeah.
[13:04] So the balance was about 570 when we swapped over and today I think it's currently sitting at 513.
[13:16] No, yeah, we've got 13 in there or something like that.
[13:20] No, no, there's actually 17 in there.
[13:24] Okay.
[13:25] So we've put an extra 17 in there.
[13:28] And you've done that in 90 days?
[13:29] Yeah.
[13:30] Just over, yeah.
[13:32] Do you remember what you did last year?
[13:33] You highlighted that.
[13:34] When we did the calculations, when we did the masterclass, we had only paid off $9,000 in a year.
[13:41] In one year and you've already got $17,000 now in just over 90 days.
[13:46] If this story has inspired you to take control of your financial future, your journey starts with our free educational webinar.
[13:53] Click the link below this video to get started today.
[13:56] Can you even like comprehend that?
[13:59] Yeah, I say it every sweep, like every month.
[14:03] I'm like, we've literally just about doubled what we would have just normally paid in a year.
[14:08] Yeah.
[14:09] And again, it just, yeah, why?
[14:12] Why didn't we sign up sooner?
[14:16] oh, we're only sweeping this much or this bill has come in but then you look back at those actual figures and go, holy hell, we're three months into this year and we're already a year ahead of what we were.
[14:31] calculate that.
[14:32] The calculations of having it paid off in six years is pretty correct.
[14:36] Yeah, I'm pretty sure the balance is 5.30.
[14:38] Yeah, 5.30 I think I saw.
[14:41] And we had equity on our house obviously with this to get our investment and sorted all that out for us.
[14:48] It was smooth.
[14:49] It was really good.
[14:50] And what surprised you the most in your first 90 days?
[14:55] Literally what we've achieved, I think I'm still mind blown.
[15:00] Like I never would have thought we would have ever had one investment property, let alone now two.
[15:06] And I think just seeing the difference in not just our loan balance but family as well, like seeing the difference in the boys.
[15:17] Yeah, because you said you're bringing the boys into it as well now.
[15:20] Yeah, massive.
[15:20] So just teaching them because obviously nothing gets taught
[15:24] at school or nothing gets taught, you know, in general conversation, I suppose.
[15:30] It's just...
[15:31] And whatever we get from you guys, it just, we echo it through to our kids because, geez, we're learning now at 40-odd.
[15:39] So we want that to be instilled within a lot earlier and they should do better for themselves.
[15:46] That's all parents want really, to better their kids and this will go leaps and bounds.
[15:53] Yeah, absolutely.
[15:54] And the...
[15:54] the help from the Infinity team to if you have a question, you text it through and it's like I get texts back on the Sundays sometimes and I'm like,
[16:04] you probably shouldn't be working.
[16:05] Like I'm only texting it through so when you come in on Monday.
[16:08] Because you're just thinking of it.
[16:10] Yeah.
[16:10] And I was texting someone at like 9 o'clock last night.
[16:13] Yeah.
[16:13] And she's like, why are you responding?
[16:15] Yeah, that's exactly right.
[16:16] I text Nina Sunday kind of thing because it's in my head and then comes back straight away and went, oh.
[16:21] Yeah.
[16:22] I've said to her a couple of times that you can wait until Monday when you're at work and go, oh, no, no, I'll sort it out.
[16:26] Yeah.
[16:26] Oh, okay, cool.
[16:28] That's so smooth, so quick and if you need an answer, it's fair.
[16:33] And I think also too you think you get your service from your banks and you think you get service from brokers but knowing what true service and the value of you guys actually care is,
[16:47] for us and not only us but so many families is just amazing.
[16:53] And it just.
[16:54] Yeah, it was pretty cool.
[16:55] It's just, yeah, you know that they've got your backs.
[16:58] Yeah.
[16:59] Yeah, not just your money.
[17:00] Yeah.
[17:00] You know what I mean?
[17:01] Like, you know, brokers and banks, they just want your money.
[17:05] Yeah.
[17:05] They don't want, you know, they don't want to see you succeed and they don't want to see you pay your home loan off.
[17:10] But you guys, like you want money.
[17:13] you want us to pay your home, like you want us to pay our home loans off and, you know, that's just so, I don't know, the gratitude.
[17:21] Yeah, the first three months of especially being new, like a lot of the companies they look after, they're old school guys that have been there for years with them, they'll look after them more because they're loyal and all that kind of thing.
[17:32] But it seemed to not matter if you're one day in the company or an hour into the company or...
[17:39] 10 years, you're still getting that same information, that care, that everything back from infinity.
[17:47] That was pretty cool.
[17:49] Yeah.
[17:50] And how has your outlook on the future changed?
[17:52] What does that look like as well for you?
[17:54] Oh, the future's so good.
[17:57] I stressed about my work and getting older and working until I'm 70 and flat out I'm at the stage where now I'm...
[18:06] I'm semi-talking about in 10 years' time I'd love to half work and do something else and not have to think that I need to do 14-hour days every day, seven days a week to do.
[18:20] provide or pay loans and that and you go, if I can pay this off then, if I get enough investments then I should be able to cruise through the rest of it.
[18:30] The calculations that were done for our SMFS and just everything above it, you know, future's good.
[18:38] Yeah.
[18:38] Future's real good.
[18:39] Because that's a real reality for you now.
[18:41] Yeah.
[18:41] And you can believe it.
[18:42] Yeah.
[18:42] Yeah.
[18:42] Because you've seen the numbers in front of you.
[18:45] It's been laid out for you both.
[18:46] Yeah.
[18:48] And, yeah, like I said, the numbers, the calculations that I used to, because I'm in construction, the construction job finishes and then you stress big time because you need to get the next one.
[18:56] Yeah.
[18:57] Find the next job and then you go, I need a holiday as well, but I can't take a holiday between jobs because what if I don't have one for another month?
[19:04] Yeah.
[19:05] So in this stage you go, well, yeah.
[19:08] what if I don't have a job for two months?
[19:11] You're okay.
[19:11] Yeah, I'm okay.
[19:12] Yeah.
[19:12] I can do that.
[19:13] Yeah.
[19:13] So that's what, that's a lot less stress for me as well.
[19:17] Yeah, big weight off your shoulders.
[19:18] Yeah, and you enjoy more time with the family and the kids and that because you're not stressing all the time.
[19:24] Don't worry, I do stress about a lot of things but this has really chilled it out a bit.
[19:30] Yeah.
[19:30] Yeah.
[19:31] Yeah.
[19:31] And what would you say to someone who might be sitting on the fence, they've watched the webinar but they're just umming and ahhing about doing the masterclass?
[19:38] I see.
[19:38] I've got a mate at work now and one of my supervisors, he's the same.
[19:42] He's, oh, yeah, I'll do it this weekend.
[19:43] Oh, yeah, I'll do it this weekend.
[19:44] I said, oh, I'll be in there, mate.
[19:46] Yeah.
[19:46] You're like, don't be arsed.
[19:48] Don't be arsed.
[19:49] Don't wait for it.
[19:51] Yeah, we share it everywhere.
[19:53] We're excited to share it because we're living the story.
[19:59] Like I said, the relaxing, the chilling, you know that part of it's covered.
[20:04] Jump, just jump pretty much.
[20:07] Yeah.
[20:08] I say do it.
[20:08] It's free.
[20:09] Yeah.
[20:10] What have you got to waste?
[20:11] You're on your phone or you're on your device anyway.
[20:13] Yeah.
[20:14] Just do it because you're going to be mind blown and you're going to want to know more after that free webinar because after that there's so much more to explore.
[20:24] Yeah.
[20:25] Like there's so much more that's going to excite you.
[20:29] Knowing like we've done it, like anyone can do it.
[20:33] Yeah.
[20:34] The coolest thing is the masterclass can relate back to you and your circumstances because you crunch your own numbers.
[20:40] All the worksheets and the workbooks that we go and put you through, the activities that I put you through in the masterclass, it's all based on you and your numbers.
[20:47] 100%.
[20:47] Yeah.
[20:48] So you'll be able to see for yourself that it actually works.
[20:51] Exactly.
[20:52] And that was the biggest thing, just you physically working
[20:55] Doing the calculation with you and you physically writing that own dollar value down, that was what, yeah, that's what really mind-blown.
[21:06] It was just wow.
[21:08] And seeing that interest saving too.
[21:10] You're like, oh, my goodness.
[21:12] Yeah.
[21:13] It was crazy.
[21:14] Yeah, the webinar is just free.
[21:17] All it is is time.
[21:18] Find that time and it'll be.
[21:21] It'll click for you.
[21:22] If you do that webinar, I would assume 90% of people, maybe more would do the Masterclass afterwards because they click and go, wait, let's do it, which happened to us.
[21:34] And I also too think that do banks or do your brokers, do they give you these free workshops?
[21:41] Yeah.
[21:42] Like thinking about it, do they actually call you like you guys do and are in constant contact with you?
[21:48] We actually had friends of ours the other day say, oh, we're with this broker.
[21:52] I said, well, when was the last time you spoke to him?
[21:56] Oh, a while ago.
[21:56] Oh, I can message my now on a Sunday and then.
[22:01] So it's just the little things.
[22:04] Yeah, and when you say like workshops as well, you know, we think back to when we did the budget night when we broke down, did that presentation, broke down what does the budget mean, what are they doing, how does it relate to you.
[22:14] We did the SMSF presentation as well.
[22:16] Like that's just all the extra stuff we do as well.
[22:18] Exactly.
[22:19] Yeah.
[22:20] And you've just got to think if you're with a normal big-time bank,
[22:24] Are they doing anything for you?
[22:26] Yeah.
[22:27] Like because I can guarantee that we've been with a bank and we've been with a broker and none of them did anything that you guys actually did.
[22:34] Doesn't compare.
[22:35] Yeah.
[22:35] Well, it's so incredible to have you guys on board finally.
[22:41] Finally.
[22:41] You gave it a go.
[22:43] But thank you so much for coming to share on our new series, the 90-day series.
[22:47] We'll definitely be having you back.
[22:48] So stick with it.
[22:49] Keep to the strategy because we're going to share an incredible story, hopefully in about a year or so time, to really share and reflect on how far you've come.
[22:56] Absolutely.
[22:57] Too easy.
[22:58] Thank you.

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