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The Real Biz Life Chronicles
Unedited stories of Business, Branding and Life.
Banish boring as Tracy Fryer and her guests take a ride on the rollercoaster of being a business owner - or of simply being human! Get ready to learn exactly what it takes to grow with distinction and show mediocrity the middle finger. In this podcast Tracy interview’s authentic business owners, who share their story of building a successful business, their strategies behind their success and leading the way.
RAW. Honest. Unedited.
The Real Biz Life Chronicles
#095 Money Truths with Andreas Kettemann
What does financial freedom really look like, and why do so few ever get there?
Andreas Kettemann didn’t just move to a new country. He built a life and a business from the ground up, no network, no shortcuts. Today, he runs 3D Wealth, a financial advisory firm that quietly helps professionals make smarter financial decisions.
This episode isn’t about stock tips or the next big trend. It’s about what happens when you stop chasing the hype and start playing the long game.
We talk about money and mindset, wealth and worth, and the unseen risks business owners take when they tie their identity to income. Andreas shares what most finance ‘gurus’ won’t, including the biggest myth about getting rich, and the real reason couples argue about money.
If you’ve ever felt behind financially or wondered whether it's too late to start, this one’s for you.
In This Episode:
(04:57) The true story behind launching 3D Wealth
(10:18) The three parts of life and why you can only master two
(16:31) Advice for business owners chasing freedom
(25:11) What’s really changed since becoming a leader
(38:06) The worst reason to make an investment
Mentioned in This Episode:
Royal Flying Doctor Service (36:50)
About Andreas Kettemann
Andreas Kettemann is a Chartered Accountant and the founder of 3D Wealth, a boutique financial advisory firm based in Perth. With over a decade of experience in the financial services industry, Andreas specialises in helping professionals, medical specialists, and business owners build sustainable wealth through long-term strategy.
Known for his calm, considered approach, Andreas combines technical expertise with a deep understanding of the emotional side of money. He holds qualifications in accounting, financial planning, and mortgage broking, and is a member of CAANZ and the Association of Financial Advisers.
Andreas’ work centres around a simple truth: your personal, professional, and financial lives are deeply connected, and when one thrives, so can the others.
Connect: 3dwealth.com.au | LinkedIn
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About Tracy: Tracy Fryer is a branding powerhouse, speaker, and founder of Design Studio Perth and Trace Designs Bespoke. She’s dedicated to helping business owners and creatives build brands that truly reflect their values, passions, and long-term vision. As the host of The Real Biz Life Chronicles, Tracy brings raw, insightful conversations that push entrepreneurs to embrace bold growth, develop strategic branding, and lead with unapologetic confidence. Her approach is refreshingly real—blending deep expertise with a passion for authenticity, creative excellence, and business success.
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