How a 25-Year-Old Built $70K Equity in 4 Months 🤯

What happens when a 25-year-old who thought property investing was “way too scary” buys her first investment property… and makes $70K equity in 4 months? 👀📈 

In this episode of the Moves to Momentum podcast, Jason sits down with Ria to talk: 

🏡 Buying her first property in Shepparton 

☕️ The story behind the “Matcha Mansion” 

📈 Why Melbourne units are heating up again 

💰 How Gen Z can actually get ahead financially 

🧠 The mindset shift that changes everything Tony Robbins, life goals & figuring out what you really want 

🚀 Using property as a vehicle to design your future

This episode goes way deeper than property investing.
It’s about creating a life by design instead of just following the script. 👊 

If you’re in your 20s (or honestly any age) and feel like the market is impossible… this conversation will change the way you think about money, investing & your future.

🎧 Listen now & start building momentum  

📲 Want to chat about your own property goals?
Book a discovery call here: https://calendars.buyersedgeproperty.com.au/discovery

Transcript

SPEAKER_00 0:00

We have had this pressure from my parents and my grandparents. Buy this, get a mortgage, pay off your mortgage. I kind of had this realization of the choices I make will dictate my future. Now something needs to change, otherwise, nothing is gonna change. What do I want in my life? How am I gonna get there? And how can I use property to help me get to that rent festing in my perfect world? To be able to see an end goal of, hey, wait, I actually could afford this one day if this is what I want and this is how I get there. And then it doesn't seem as daunting.

SPEAKER_01 0:30

Rhea Marriage, welcome to the Move to Momentum podcast. Long time coming. I know. I feel like it's I've been waiting for this moment. We had one episode with you, and then it ended up in the scrappy. I got bunted immediately. Not you. The episode got punted, right? But you've been with us since September last year. Um, I think it's I wanted to get you on to tell a little bit about your story for you to ask me a bit of questions. Me and you talk regularly about investing, about life, about property. Um and I think our conversations are interesting. And I think I hope I hope so. Maybe we could let some let some people in on it, right? But maybe we'll do a bit of a backtrack. We started working here in 2025. And what was your idea about property investing before you started working in a buyer's agency?

SPEAKER_00 1:27

Yeah. To be honest, I knew the world of property investing just a smidge, only because my siblings and my family had all done it themselves. So I grew up like having this idea ingrained in me like, save your money, invest in property, invest in property. But to me, it was such a foreign concept. I'm like, what do you mean? Like, I want to go traveling. I don't want to have a debt. Like, um, it was scary to me. The idea of it was scary, but I knew it was something good, but I didn't know any more about it.

SPEAKER_01 1:57

Can I dissect that? Yeah. The something good is the growth that you get out of the asset. Yeah. The something scary is the debt and the responsibility.

SPEAKER_00 2:06

Yeah, and also just the whole concept of like, what do you mean I'm gonna have to get a conveyancer, I have to put an offering for a place, I have to hold a place, I have to have renters, like that whole world just seemed so out of touch and yeah, terrifying.

SPEAKER_01 2:23

It it felt out of reach for everyone.

SPEAKER_00 2:25

Yeah, yeah.

SPEAKER_01 2:26

Did was it just that? Like you're like, oh yeah, that's a good idea. It feels out of reach and that's where you leave it.

SPEAKER_00 2:34

Yeah, at that time, that's how I felt. But to be honest, now knowing, looking back, it's just not being educated on it. Once I understood, once I came here and I fully understood the process and you see the value and what it can do for you, it's like, oh my God, I understand why everyone was saying this to me for years and years, like save up, invest. And it's so clear to me now.

SPEAKER_01 2:58

Yeah. You've gone on a rapid journey. You we were in this room when it's not a podcast little room, it's our boardroom. We were in here talking to a mortgage broker yesterday, trying to get an equity release out of your place in Shevidon to buy this unit in Melbourne.

SPEAKER_00 3:13

First second property, which is just crazy.

SPEAKER_01 3:15

When did you buy that place in Shep? Um, it settled in January. In Jane. Yeah. And we're talking, it's May now, and you're like, take a step back. What did you buy? What did you buy?

SPEAKER_00 3:27

I bought a two-bedroom, one-bathroom house in Sheppinnen.

SPEAKER_01 3:31

How big is the land?

SPEAKER_00 3:32

Um, 360 square meters.

SPEAKER_01 3:34

360s.

SPEAKER_00 3:35

Small, but brick, neat, and tidy.

SPEAKER_01 3:37

Um, it's known in the office as the Macha Mansion. The Macha Mansion. Because we're so you you got coined Rhea Macha when you came here because the only drink that you drank was matcha.

SPEAKER_00 3:51

Every single day, different matcha. They got the matcha specials at Rushi. That's right. Every day I would just experiment with matcha. Now, hey matcha. Straight coffee only. Yeah. Caffeine, straight in, none of this. Caffeine in the ice. Yeah. Um, but yeah, no, the matcha mansion. So I bought it for 357,000. Um, yeah, settled in January.

SPEAKER_01 4:18

And yesterday we got a bank foul at 417.

SPEAKER_00 4:23

No. 427. 427. I know the the 427.

SPEAKER_01 4:28

427. If I do some quick maths. 70 grand. 70 grand uplift. January, February, March, April, May. Four months, and you've had 70k uplift.

SPEAKER_00 4:42

I know. And to me, isn't that crazy? And like, honestly, the process has been so much easier than I thought. Like, holding a property has kind of been really smooth sailing for me. And like, I want to get that out to other people as well. Like, yes, obviously, different properties have different things come up and might not be as smooth or or easy, but I kind of don't really have to think about it to be honest.

SPEAKER_01 5:06

Did you have tenants in there when you settled?

SPEAKER_00 5:08

Yes.

SPEAKER_01 5:08

You did.

SPEAKER_00 5:09

That's I feel like that is a bit of a that's a big piece of the puzzle.

SPEAKER_01 5:14

Yeah. You you buy a property with existing tenants. Yeah. We bought it off market through one of our connections in Sheppin. Yeah. Yeah. And now all of a sudden you've settled. You've got rent coming in from day one.

SPEAKER_02 5:27

Yeah.

SPEAKER_01 5:28

And you call up broker four months later and say, hey, can you just check how much money I got in this thing? Yeah, you got 70 grand in it and you usable 56 grand usable equity. Uh, what?

SPEAKER_00 5:40

That was a huge moment for me. Literally yesterday. Yeah. Sitting right here. And I went, oh my God.

SPEAKER_01 5:47

Yep.

SPEAKER_00 5:48

That was a moment for me. This is it's very real. Yeah.

SPEAKER_01 5:51

So real. You've been coined as the queen of the south. Your little patch that you work at Buy's Edge, the area specialist is you do, you know, South Yara, Peran, that kind of south of the river, all the across all the way across to St Kilda. The agents that you're talking to on the ground, you we literally had to drag you from your desk in here because you're doing a deal in Peran right now.

SPEAKER_02 6:12

Yeah.

SPEAKER_01 6:12

Um, two bed, one bath. What are what are the agents that you're talking to saying about what's happening in that market?

SPEAKER_00 6:18

Look, to be honest, the agents are really starting to notice the influx of investors interested in purchasing in Melbourne right now.

SPEAKER_01 6:27

Buyers' agents or investors, like just retail investors?

SPEAKER_00 6:31

Investors in general. Okay. Yes, buyers' agents, but also other people coming in. I think people are really starting to see clearly and pick up on. Hang on a second. We're getting two bedroom units, one bath, one car, in good areas, good quality assets as well. Brick, neat and tiny, renovated inside for mid-fives, mid-sixes in a city like Melbourne. Yeah. Um and also purchase prices are sitting where they were 10-15 years ago.

SPEAKER_01 7:06

Ridiculous, eh?

SPEAKER_00 7:07

It's absolutely ridiculous.

SPEAKER_01 7:08

That one that you did yesterday for that client, they bought it for $325. The people bought that are selling it, they bought it in 2011 for $305. So they've held it for 15 years and made $20,000.

SPEAKER_00 7:24

And you know what I've noticed is that a lot of people see that and they use that as a tactic to as of fear. They're like, oh, it hasn't moved in 10, 15 years. It's going to happen again. Like I want to ask you, what do you respond to that? Because I'm hearing a lot of people say that.

SPEAKER_01 7:39

Yeah.

SPEAKER_00 7:39

What do you think about that?

SPEAKER_01 7:40

Um, as a property investor, you're you want to invest in undermarket assets, right? You don't want to buy CBA shares when it's just grown, you know, 100% last year. It's like, oh man, this is a real winner. It's grown so much. It's like, man, it's just gone up so much in value. How much more can it go up still?

unknown 7:57

Yeah.

SPEAKER_01 7:58

Right. And so there's a certain amount of, especially in the property cycle, there's a certain amount of room a property can grow. People say properties double every, what, 10 to 15 years. They double in value. That's true. But it it does, it's not like this linear path to doubling. It has a boom cycle, which is what we're experiencing now in Melbourne, where it's going through a rapid increase. We're talking double-digit growth, 15%, 20% growth, stuff like that. You get that. Then you get a bust cycle when there is an oversupply, like, okay, there's so much demand, bam, bam, bam, bam, let's give the oversupply of housing. Then all of a sudden now it busts because there's so much stock now, and there's it caters for all the demand. And now the demand just uh diminishes, but it just evens out. So now market busts, and then it will plateau for a while. Like it kind of just stabilizes. Supply meets demand, and nothing has happened yet to increase demand again. And and where there's a requirement for more supply. But what does that mean? Look like infrastructure spend is a massive indicator. We're we're buying Foot Square. What's this new hospital or something?

SPEAKER_00 9:11

Huge new development at the new hospital. It's bringing in so many people and the university, right?

SPEAKER_01 9:16

Big government things that's gonna bring tenants, it's gonna bring uh owners, there's gonna be a lot of industry off the back of that.

SPEAKER_00 9:24

Absolutely. So if not only that, it's it's 15 minutes outside of Melbourne CBD.

SPEAKER_01 9:31

What's what's that equivalent of that in Sydney? 15 minutes outside Melbourne, uh Sydney.

SPEAKER_00 9:36

Yeah. Foot's grey, probably like Glebe or something. Yeah, maybe Glebe, Alexandria, yeah. Something. And then South Yara, Turak is like the Paddington Surrey Hills. I always love using that analogy with people. I'm like, okay, you know Sydney, right? Say you're from Sydney. What would you expect to pay for a nice, neat, tidy two-bedroom, one-bathroom unit in Paddington? Oh, at least a mil.

SPEAKER_01 10:04

Oh, a mil is you're still in.

SPEAKER_00 10:05

A mil. Yeah.

SPEAKER_01 10:06

Yeah.

SPEAKER_00 10:07

I'm like, okay, you've got a similar asset in Melbourne City. Yeah. And in South Yara, the equivalent of Paddington. 600.

SPEAKER_01 10:15

The demographics in both of those markets, like the demographics that live in Paddington, the demographics that live in Surrey Hill or in South Yara, similar, right? For the cities. And markets have you've got to consider demographics in a market. Yeah. What's the average income in this area? Is it high? Is it low? Is it going up? Is it going down? Is it young professionals? Is it old retirees? You know, if it's old retirees, more than likely average income's going down. People are paying less for housing. But um you you've I feel like you've you've had the crash course in property investing. You're property investor yourself now. You're looking to group number two. You you bought your first, like, still crazy to me. How old are you? 26 or 25? 25. 25? Yeah. You bought a property at 25 and you're looking to, within 12 months, you're looking to buy two investment properties.

SPEAKER_02 11:00

Yeah.

SPEAKER_01 11:01

Like, I don't know people who's doing that. I actually know one person who did do that, Morgan Holmes. She's been on the podcast recently.

SPEAKER_00 11:07

Yeah.

SPEAKER_01 11:07

She's now sitting on an eight-property portfolio valued at 5.2 million with a 50% LVR.

SPEAKER_00 11:13

Absolutely incredible. I honestly think so many more people, especially around my age group, could do it. I think it's just about education. Like once they're educated on, hey, this is the whole process, this is what it's going to look like for you. This is how it can fit into your life. So you can still live your life and have fun and have your lifestyle and just grow this asset beside you.

SPEAKER_02 11:33

Yeah.

SPEAKER_00 11:34

Once people understand that, honestly, I think it could change so many more lives.

SPEAKER_01 11:39

It's um the media touts it as like it's so, oh, you know, housing marketing. Sydney's really getting away from all these millennials. Yeah. And they're screwed. They're not going to be able to. And it's like, man, you're just about to buy two properties in six months, and that's not on, that's not in the media. Yeah. We need to get you in there. Seriously.

SPEAKER_00 12:03

I know, I know. Yeah. It's just, it's people get so overwhelmed. And I understand it. It's like, how am I ever going to be able to afford to buy somewhere and live in Crenella or live in Bondi? Like, there's just no possible way. But doing it through, like for me, example, rent vesting is my perfect world.

SPEAKER_02 12:23

Yes.

SPEAKER_00 12:23

Doing that and understanding that to be able to see an end goal of, hey, wait, I actually could afford this one day if this is what I want and this is how I get there. And then it doesn't seem as daunting, doesn't seem as scary. And when you break it down to, okay, I might need to save up a certain amount of money for a year, two years, if that's going to change the projectory of my life, of course I'm going to do it. And not enough people my age understand that. I would say that we have had this pressure from our parents and our grandparents buy this, get a mortgage, pay off your mortgage, and that's your goal in life.

SPEAKER_01 13:00

Your parents and your grandparents have told you that. Yeah. So is mine.

SPEAKER_00 13:03

Yeah, and so is old mates and co-mates and everyone's has. And it's like, I feel like that idea has been like put on us our whole lives.

SPEAKER_02 13:12

Yeah.

SPEAKER_00 13:13

And I don't think it's really realistic for us in this modern day and age. Like you look at the prices they were paying and the cost of living for them. And to us, it's like, how the hell are we gonna do that? Yeah. Like, how are we gonna do that? I think yeah, I think if people understand that if you just get started and get in, no matter what that investment looks like, it could be a unit, it could be a small house, like what I did, just anything that you can work towards and afford to get your foot in and have that experience of like I had the other day, of seeing, hang on, that's just sat there. And what do you mean it's gone up 70 grand? Yeah. Like once they have that experience and understanding, and then that gives them the motivation to, hey, hang on, I'm gonna save up and do this again and again and again and again.

SPEAKER_01 14:07

With um, with your portfolio, right? Yeah. Let's say you want to buy this million dollar house. It's to buy a townhouse or a villain in Caramba South, 1.5 mil. Yeah, right? But that's me by the bottom end.

SPEAKER_02 14:19

Yeah.

SPEAKER_01 14:20

You got to save a 5% deposit, which is what, 75, 80 grand-ish, plus stamp duties. Or you get maybe trying to claim some first homeowners stuff, whatever. But like, let's say you're trying to get about 100 grand to buy that, and then you you're gonna be fleased with a $1.4 million mortgage or something, right? Anyway, that's that's daunting to think I've got to save a hundred grand. Most people are making a hundred grand a year.

unknown 14:46

Yeah.

SPEAKER_01 14:47

And so it's like, how are they gonna save what they earn in a year in a couple of years to afford it?

SPEAKER_00 14:54

It's terrifying.

SPEAKER_01 14:55

How how much does your property cost you to hold it per month? Like how much are you out of pocket a month?

SPEAKER_00 14:59

Out of pocket a month? Like $1,200?

SPEAKER_01 15:02

$1200 a month.

SPEAKER_00 15:04

Is that a lot? I feel like it's not that high.

SPEAKER_01 15:07

That should be probably around because you're 100% debt.

SPEAKER_00 15:09

Yeah. I'm like, yeah, $1,200 out of pocket a month.

SPEAKER_01 15:12

Yeah. So that's your insurance, property management fees. Uh, you did very, very low deposit. So you're $1,200 out of pocket. So you're pretty much forcing yourself to save 12, well, no, a bit over like 14 grand a year. You're forcing yourself to save per year. Yeah. I think most people with a full-time job could knuckle down and save anywhere from 10, 12, 15 grand a year if they're like, I'm diligent about this. You have to. You've got no choice. Absolutely. But you bought an asset that's gone up by 70 grand in four months. And so it's like, okay, you're forced to save. Yeah. I'm saying save, but that's the equivalent of what someone would do to buy the asset. And then what extra do they get from their savings? Nothing. They've just saved 15 grand that year. And then they're going to put it into an asset later. You put it into an asset now, and the asset's growing now, and you're still forced to save it. But it's like, how much is that going to do in it by January next, by the end of the year? Oh, I'd be dumbfounded if it's not up 100 grand. I'd be dumbfounded. How do you save 100 grand? Someone's going to say in the comments that you're going to have to sell it and pay tax on it. True. You're going to have to sell it, you're going to pay tax on it. Let's say you pay 25 grand tax on it. And how are you going to save 75 grand in a year? I don't know. It's I don't know how it's possible. Anyway, you don't. You don't sell it because that's silly. You're going to keep it, rip the equity out, go again. You're going to earn more money in your day job, or you're going to work a second job if you have to to hold on to two properties now and make an extra 75 off this one again and the next one. Now you're making your income and you're making an extra 140 a year off your property portfolio. And that's just how it starts to compound. Compound, compound, compound, compound, compound. At some stage you're going to have to restructure and keep moving.

SPEAKER_00 17:02

Yeah. But that's that's what I want to ask. In two years. So, like for me personally, I go from one to potentially two, hopefully three in 12 months. In three years' time, where am I sitting with that? Like, how many properties do I have? Is that gonna cost me like yes, my income needs to go up? I need to be earning more money, and I'm hopefully investing in like high-yielding properties. Correct. But what's the point?

SPEAKER_01 17:33

Yes. Oh, that's when we're working with any client, it is what's your goal? Do you just want to accumulate to no end? It it there's no steam in that train to keep going hard. Like for what end? The end has got to be something, right? You want to buy a Christian Gilmore is a great case in this. His podcast, I get heaps of great feedback on Christian Gilmore's podcast when he talks how he broke down his how we got to 80k a year passive from his portfolio by 28. He was obsessed about it for seven, eight years. That's all he did. He was just earning income. I need to make this amount of money in my job to service this amount of loans. This amount of loans will get me this amount of properties. They need to grow out a 15 to 20% growth rate. So I need to buy in these type of markets to get this amount of equity to buy a commercial asset that will give me 80 grand a year passive.

SPEAKER_02 18:21

Yeah.

SPEAKER_01 18:21

He obsessed over it. Bang, bang, bang, bang, bang, bang, got there. And now he's there and he's like, I actually don't know what my goal is anymore. Yeah. Because I've got to the goal. What do I do next?

SPEAKER_00 18:32

Yeah.

SPEAKER_01 18:33

I also started like you.

SPEAKER_00 18:34

Yeah.

SPEAKER_01 18:35

Got into the industry. Yep, makes sense. I understand how the game works. I'm gonna buy an investment property. Bang, goes up in value. Okay, I've made some equity pretty quickly. Rip it out, boom, let's go again. Second property. Okay. Sweet. Another deal comes up three months later. Hey, I've got some equity. Can I take it out? Go again? Yes, you can. Boom, go. It was like three deals, 18 months. What for? At the time I didn't know. I was just like, I know I want to make money to get myself in a better position. I remember there was it was my first ever goal was I didn't want Jamie Lee to work. My mum was a stay-at-home mum, and I wanted to give that to my kids that they're one of their parents was their sole caregiver. We've taken that to another step now and done the homeschooling and everything, but that was one of my first goals. I remember when we had Jij, we were JL wasn't working, and we're living at my parents' house trying to save, trying to save, trying to save, trying to save.

SPEAKER_00 19:30

And it was like, I remember she went to this for the Were you saving for a deposit or were you just trying to save money in general?

SPEAKER_01 19:36

We actually were trying, I was actually saving, but when I say saving and actually mean paying debt off because we had this extravagant wedding at fucking Watson's Day, and we're like 30 grand in the hole after our wedding. And now we've got a baby, it's like, gosh. Oh we just spent 110 grand on that wedding. Why did we do that? Um anyway, that's another story.

SPEAKER_02 19:57

Yeah.

SPEAKER_01 19:57

But yes, I say saving, but I that's code in this conversation for paying off debt.

SPEAKER_00 20:04

Yeah.

SPEAKER_01 20:05

Um, so I I figure I was now because we're just laughing about the bloody debt we're in.

SPEAKER_00 20:14

What's your end goal?

SPEAKER_01 20:15

You didn't know. Yes. It was just like, I we gotta be better off than that. Yeah, right? And I'm in a place where I'm making some money and I I know I gotta invest to start making a bit more money to get ahead. And I remember Rock Bottom for me, it was like Jay O went to like some TAFE to get a haircut one time, and it was terrible, mate. It's terrible.

SPEAKER_00 20:36

I still went to a TAFE because it's a cheap haircut and their haircut was bad.

SPEAKER_01 20:40

It was like we just had Jij, we'll stand at my mum's house, we're trying to say pay off debt, and we're living at my parents' house, and she's like, Oh, I saw this thing, like these TAVE students are doing like this this haircut.

SPEAKER_00 20:51

Yeah, they do like $20 haircut.

SPEAKER_01 20:53

She was like, I'm gonna give it a go. Like, you know, I I need a haircut and I don't want to pay the you know couple hundred, so I'll just go there. She'd come home and it was pooched. It was pooched, you know. And that was your turn. Like, I still say those.

SPEAKER_00 21:08

You've got it, you've got a piece of the hair just like pinned up on the wall. It's your reminder. It's my reminder.

SPEAKER_01 21:13

What's the uh at it at that point when I first started property portfolio, it was just getting me out of survival. Like I need to get out of survival, and then it started to become like okay, living a life by design. And that's what I love talking to clients about now the most is like, what do you want? Like I had a client, I have I'm talking about this one client, but it's always the same conversation. It's almost every week. We've got a couple of investment properties, it's do it's all doing pretty well. We're thinking about retiring or buying a nicer house. Should we sell our own occupier and go all in and go hard? You can, yeah, but what do you want to do? Yeah, what life do you want to live? I had a client that just recently is like, you know what, we're selling them. We're selling them all and we're buying a camp event, we're going to. Australia. Mad incredible. That's what they want. And that's the life that they want to live. Some people want to go live in hotels, some people want to do the caravan, some people want to just work all the time. But once you pick what you want to do, that's when it becomes. And Christian Gilmore is a great example of that. He picked and he obsessed over it for years. And he got to the goal. And he got he got there and he he said in the podcast, it's actually a lot less satisfying than what I thought it was. Because like I thought that I'd get it, and then like I'm in, and then like life is just like the best. Yeah. And it's just like now what? Life kind of just continues, and you just got other things to manage and deal with.

SPEAKER_00 22:41

So I have a question for you. Sorry. Yes. So how rude you just wouldn't cut me off.

SPEAKER_01 22:45

I've had enough of that. It's probably because we're talking about Christian Gilbert. He's boring.

SPEAKER_00 22:52

He's not on this episode, mate. He's sad. True, true, true. No, but I'm I understand where you're coming from and I see that lifebar design and I love that concept. I'm thinking selfishly for me, right? And for someone in my age group, what if we don't know what we want yet? Like that's a big part of it. Like, can you get your foot in the door knowing that there's potential without having that end goal inside? And just get started and get started and then work towards something that you don't know. Because you're saying all these things, and I'm sitting here like, oh yeah, I I want to be financially stable in my life. And to yeah, and to live, you know, a good life and a certain lifestyle that I want. But my end goal, I don't know that yet. I'm still figuring that out.

SPEAKER_01 23:38

The crazy thing is, I think if you gave yourself unobstructed, I reckon in two or three days you'd know. I'm talking. Go to Byron. Maybe don't go to Byron because you're tired. Go to like Palm Beach or something where like they're all old. And you could go to sitting at a cafe and no one would want no one would want to talk to you. And don't have your phone and just have a piece of paper and a pen. And just let it all come out. Let it come out. Jayle and I have done this multiple times. I've I haven't done it for a little while, and I'm trying to figure out in my calendar where where I can when I can do it next in the next three months. Jay all did it in November. Booked a room at the W three nights.

SPEAKER_00 24:22

Wow.

SPEAKER_01 24:23

No phone, notepad, and a book. A book for like things. A really good man of mine. When I lived in Dallas, a phenomenal musician. In Dallas? In Dallas. I lived in Dallas. You lived in Dallas? Lived in Dallas back in 2018. No, not 2018. 2013.

SPEAKER_00 24:38

That needs to be that needs to be another episode.

SPEAKER_01 24:40

That's another episode. A mate of mine, Joel. I remember he's he was I was living at his house at the time, and he was about to start writing, like go through a season of writing a new album.

SPEAKER_02 24:54

Yeah.

SPEAKER_01 24:55

And I remember he said to me, bang, no music. I'm fasting music for three months. Complete radio? Gone. Never any music at all. Because he wanted to, once he sat down and got into the recording studio and started to write and produce music, he wanted it to come out of himself. Not he just listened to Bieber and that melody is in his head. And he just produces or creates something like that, but with a bit of a twist. He's like, I don't want to hear anything, and I don't want to hear anything for a significant amount of time. So that when I'm put into that place of producing, it's purely him. Pure. Yeah. Like I was like, that even just giving me chills him talking about that, right? And that is Jamal Lee and I had that experience when we went to Tony Robbins in 2024. Loved a busy, we had two kids, and blah, blah, blah. And you know, I was I was working at this amazing company, and we'll I was getting the success I'd always wanted. And it's just moving, moving, moving. And it's just like pushing you along. But you never stop. You never stop and be like, what do I want?

unknown 26:06

Yeah.

SPEAKER_01 26:07

And what does that look like? And what don't I want? And is this the life that I've designed, or is this the life that I've been like shoved down? And honestly, like we're there for six days. Within the first two or three days, you're like, I know what I want. Because you you're not doing anything else, you're just focusing on who am I? We're being asked a question from Tony. What is your primary question? What's that? What's your primary question? And he explains it to you. Your primary question is the question that you've had success in asking yourself in your life, and it has produced a good outcome in something, and then you just apply it to everything. That's what the brain does. We generalize everything. If that's that, then that's like that in everything. So my primary question is I've been in sales my whole career. Is this worth my time? That's the question that I enter every single like scenario in. Is this worth my time? And if you're on a sales call and someone calls you and it's like, is this worth my time? Yes. Because I'm doing sales that's going to produce some type of revenue. If I'm talking to a real estate agent, is this worth my time? Yes, it is, because they'll give me an off-market opportunity. I'll present that to a client and bang, that is good. But my desire is that I want to have more connection with my friends and family. Then my brother calls me during the day. Hey, mate, what's going on? I'm just driving, driving home. You're free to chat. Oh, Luke, um, not right now. I'm I've I've got to go. This isn't worth my time. Yeah. And it's so stupid that I do that. And it's just such a muscle. I'm trying to try and try and catch it and stop it. Yeah. Because what I want is more connection with my friends and family. Yeah. But my primary question is only giving me is this going to produce some type of revenue during business hours? No, it's not. It's like, my primary question isn't serving me. Tony shared that his primary question was, how do I make this better? And in his business, phenomenal. How do I make this better? All right, we're doing this. How do I make it better? Make it better. Boom. Or it's better? Great. How do we make it better? Again. Bang, bang, bang. And it's like when you apply that same question, because that's what the brain does, to your relationship, how do I make this better? It also comes with the presupposition of this isn't good enough. And in your relationship, it burns them. And it's like we're going to analyze our primary questions and rewrite them. And train, you're going to train yourself when you go back home to ask yourself the correct primary question that serves where you want to get to, not this. Just stuff like that. Like we did all of this work of just figuring out, like, oh yeah, true. What I want, what I want and what I'm doing isn't connected. But I'm just so used to doing it. I don't know if this is answering your question, but for some reason I felt like it's important to talk about it, right? It is. You don't know what you see. You're saying I'm saying I don't know what some Gen Z are out there. I did the Zoltan. Gen Zs.

SPEAKER_00 29:19

I can't even do it.

SPEAKER_01 29:20

Gen Z's. They don't know what they want. Yeah. But they're also not stopping from the scrolling on their phone. And just like nothing's changing. Be there in the moment. And like all of the stuff that we experienced at Tony is online. Like you can just go through some of the stuff on Tony. But you're in the atmosphere and you've paid to be in the room and you've got nowhere else to be. So you're like, I'm here for the next six days. I may as well do it. And then you you're forced to do the work. What's the work? Ask yourself the question and sit there.

SPEAKER_00 29:55

I think that love that, by the way. That was great.

SPEAKER_01 29:58

And I think Tony.

SPEAKER_00 30:00

I think it becomes a lot less daunting when if you do sit down, you're like, okay, what do I want? And it seems so out of reach. But then when you do that and you work backwards and you break it down, and it's like, hang on, I can put a plan in motion here to work towards that. And for me, I know the start of that is property investing.

SPEAKER_01 30:21

That's it. And you you just take a step at a time. A step at a time. Do I know? Like we had some goals that we set at that time in 2024, and we've gone past those goals now. And now we're in this season of like, do we just enjoy surpassing the goals for a little bit?

unknown 30:37

Yeah.

SPEAKER_01 30:38

We drove up to Newcastle on the weekend and we're like, maybe it's time we get locked back in. Yeah. What's the new goals? New goals. What's the new goals?

SPEAKER_00 30:48

Um and that's just getting me too.

SPEAKER_01 30:51

Do the aircraft up here. Um, but that is um, I think the goals is important, and I think knowing where you want to get to is important. And I definitely do not discourage people in their 20s giving something a crack.

unknown 31:06

Yeah.

SPEAKER_01 31:06

But if if you have got some beacon, it should be based on what you don't want. People make decisions best to weight towards or away from motivators. I don't want to be fat and overweight, so I'm going to exercise. It's not like I want a six-pack. Uh it's not, I want it, but it's not compelling enough to like go and get it.

SPEAKER_00 31:30

To go and yeah.

SPEAKER_01 31:32

Don't want to be fat and overweight. That's compelling. I'm moving away from that and I'm moving towards the other. I'll go to the gymbo. And that's people. Yeah. We just move away from something or we move towards something. Yeah. And the away from is always the most powerful. And if you can picture, and it's very easy. We normally have two role models in our lives. Our parents, I know the path that they walked. Am I gonna walk that path? Because if I am, and you more than likely are in your life because you just model, you do what you've been modeled. Do I want that life and that outcome? Yes. Great, you're on the path. I didn't want that life. And so I'm making some changes. More than likely, most people don't want the lives. And I don't think you should. Each generation should step it up a level or two each time. Yeah. And I think that's mankind.

SPEAKER_00 32:26

I think so. I saw this thing on Instagram the other day, and it was like, my worst fear is the day I die, my fullest potential, meeting who I was, not my fullest potential, and explaining everything that they did in their life. And that just straightened the heart. I'm like, wow. That point of what you don't want is so much more motivating to make a change. Yeah.

SPEAKER_01 32:56

And we we don't allow ourselves to sit in that, you know. I'm going back to Tony a lot today. I didn't I don't mean to do this.

SPEAKER_00 33:03

Shout out to Tony.

SPEAKER_01 33:04

Shout out to Tony. Um he gets you to sit in, he's like, tell me your worst nightmare. For me, my worst nightmare was another guy walking JG down the aisle. Yeah. And he's like, okay.

SPEAKER_00 33:16

That's your tissues. That's your tissues. Alright.

SPEAKER_01 33:19

Um, he's like, all right, close your eyes, live it. Live it. And he's like, all right. What's worse than that? How does it get worse than that? You know? And it's like jail making out with some other guy. Like, oh, you're just walking down the aisle with someone else. Like, shit. Oh my god. He's like, make it worse. And you you're fucking bawling. You're just bawling because you're like, and he's like, great, what are you gonna do so that you don't live that life? And you you experience it because you you you're just sitting there in this room, and he's just like, you're doing the work, right? And you're just closing your eyes, just like visualizing yourself like Gigi walking down the aisle with some other guy, and you're like, what the hell? How do I not live like this? Yeah, so that is you drill down into the away from motivators. I definitely don't want that life. Great. What have I got to do? I've got to be there for my wife, first and foremost, to keep this union together. What's stopping me? And then all of a sudden you're so motivated to be just like, that's gone, that's gone, I'm not doing this anymore. We're okay, we're okay. Yeah. But that's not none of this stuff is that difficult. But we just don't allow ourselves the time because we're consumed with the scrolling, with the sports updates, and the the for me, it's sports updates, and all these things, and it's like it's the constant input of distraction, entertainment information.

SPEAKER_00 34:48

It's addictive. It's very addictive. We have a moment to ourselves, and then all the thoughts come in and it's like, oh, this is scary. Let me distract ourselves again. That's right. Yeah. And that is that's the power in that.

SPEAKER_01 34:58

That's where it's that's why the Z do not know what they want because they don't know the border. When I was, Shawnee, you probably know this too. When I was younger, you'd put on a uh laying on your bed and just listening to some type of music was a thing. Like that was like a pastime, right? And it's like I don't think Gen Zs have got that. I I didn't have it for very long because then very quickly it was MSN Messenger and then you're on the computer and then you're just chatting to people. But um, I do remember I would have been in primary school just listening to some type of music. Yeah. And it's like And that was your form of entertainment. That was it. Yeah. You're just laying there, just listening to music. Doing what?

unknown 35:42

Yeah.

SPEAKER_01 35:42

Like if you raw dogged to just listening to an album now, people would go insane.

SPEAKER_00 35:48

So I mean, people probably start crying because they're like, oh shit. Oh my god.

SPEAKER_01 35:53

I'm depressed. And that is a big thing. And there's there's a period of the first day or two at Tony that you experience all these things. You're like, oh stop. I've I've got a lot of things that I'm not dealing with. I drove with no music to the office home and back for a few months.

SPEAKER_00 36:09

A few months.

SPEAKER_01 36:10

Game changer.

SPEAKER_00 36:11

World doctor.

SPEAKER_01 36:12

Game changer.

SPEAKER_00 36:13

Wow.

SPEAKER_01 36:14

No phone calls, no nothing.

SPEAKER_00 36:15

What did that do to you? Or for your mind?

SPEAKER_01 36:18

You realize it's just racing with what? And then every morning you you you're like, yep, it's racing. Yep, it's racing. Then observe. How do I observe the thoughts?

SPEAKER_02 36:31

Yeah.

SPEAKER_01 36:33

Rhea's buying a lot of macho at the office. I should tell her to tease back on that. Yeah. What's my action? What do I do about that? Alright, I've got to have a call. I'll gotta have a chat to her. Right, Rhea. I think you're having too much macho. I agree.

unknown 36:47

Bang.

SPEAKER_01 36:48

Then tomorrow, that thought's gone. It's not in there anymore. Because I observed it and I did something about it. But like we I'm I'm putting myself, I'm not a Gen Z, but I'm throwing myself in there too. I get caught in the busyness of life and clients and this and that emails and text messages. It's like I don't observe this anymore. And is this aligned to what I want?

SPEAKER_00 37:12

What I want and my goals.

SPEAKER_01 37:14

So I I am throwing that out there for the Gen Zs.

SPEAKER_00 37:17

Yep.

SPEAKER_01 37:18

Take some time, turn it off, have a notepad, have a pen, and there is a trauma that you're going to experience for the first few hours of just raw dog in the silence.

SPEAKER_02 37:30

Purge.

SPEAKER_01 37:31

Purge, like just let all of the things out. After some time, you're gonna observe. You can start to observe. Once you start observing, write them down. Write it all down. Then what can I do about any of these things? I can do stuff about this, this, this, this, this. Can you action it then and there? You could you might be able to. You might be able to just text someone, I hate you. And I I don't ever want to talk to you again, or I just need to let that out.

SPEAKER_00 37:55

Yeah. Bang, tick, done, tick, done, cross it off. Yeah.

SPEAKER_01 37:58

It could be anything. But um I think that's great advice, and I think knowing what you want is definitely important. I'm sitting here also saying I haven't done that exercise recently because the last 18 months has been supercharged for me, and I've blown I've gone past my goals that I thought I was possible. Reset, bang, go again.

SPEAKER_00 38:19

Isn't that amazing? And do you think writing those goals and doing that exercise really changed the trajectory and everything that you were doing?

SPEAKER_01 38:30

Honestly, those six days changed my whole life. Yeah, those six days changed my whole life. And it's so stupid to think that it's it's that easy. You know, it's it's honestly that easy to just sit there and be like, what life do I want?

SPEAKER_00 38:45

Yeah, what do I really want?

SPEAKER_01 38:46

But then it's like most people stop and I don't know. They don't sit there long enough and listen, right? Or you can just go through a basic um elimination. Yeah, oh I'll I'll I definitely don't want that. Yeah, I don't want that, you know? Like the the first person you dated is not like the first the person you end up with. There some people that is true, yeah, you know, and they are very lucky, but it's like I definitely don't want that anymore. Or I want someone with that type of characteristics, but I don't like that. And bang, you meet someone else and they're like, oh, they've got that and they've got this. This is good, and then you learn something else about it, and you're like, oh, but they've got no hygiene. Yeah, it's like I don't want that. So you're like, well, those two were important, but now hygiene is definitely the most and then all of a sudden, such a structure. This is what it looks like. So, and you're at such a stage of your life. I kind of woke up at 25. Yeah, it was just like, I'm it's it's all my fault. Whatever happens from here is actually my fault. Yeah, like I made the decision, it it's because of me. And then you're like, okay, that can be either liberating for some people or it can cripple some people. Um, which is you're in an interesting time.

SPEAKER_00 40:08

Yeah, I had that similar experience when I turned 25. I kind of had this realization of, oh, hang on now, I can't just, you know, keep having fun. And I absolutely can keep having fun, but getting all I will always have fun, let me preface. No, but it was just like, hang on now, the choices I make will dictate my future. Yeah. More importantly, now than ever. And yes, I've cruised and I've traveled and I've done everything in my early 20s, and yeah, that's great, but now something needs to change, otherwise, nothing is gonna change.

SPEAKER_01 40:41

I've seen you change so much, and it like you're you're constantly you've jumped in the deep end and you're putting yourself in the deep end. Most of our clients are sophisticated property investors. Not there's a few people on our I I think it's because a lot of the branding that we're doing is around me and my property portfolio, and I'm a dad, and blah blah blah. We we normally attract the 40-year-old family, yeah, you know. You're talking to families about investing in South Yara, right? Investing in units in Melbourne Metro, these people who are 15 years your senior.

unknown 41:17

Yeah.

SPEAKER_01 41:18

And how do you do that? Like, how do you kind of manage that or deal with that? Or I think it's impressive, but like, give us some insight into that.

SPEAKER_00 41:28

To be honest, I don't really think it's got much to do with me. I think it's got to do with the opportunity that we're providing them. When it's you're in such a market that it's at the start of the growth cycle, and you know that there is a lot of potential of growth within it, and you show them that. And you show them, hey, this is what we're buying. We're getting it at this price. They bought it 10 years ago for this price. There's not a lot of um, there's infrastructure spend in the area, low building approvals, population growth to the max in these areas. And it's like, you know, we predict that it's gonna grow like this. It's following, yeah, it's cooking. Yeah. Um, and it's following places like Brisbane.

SPEAKER_01 42:11

Yeah.

SPEAKER_00 42:12

I think presenting that and, you know, as an opportunity for a family, people, you know, they've got kids, they're they're all working hard, but again, it's it's not enough in this day and age. And you show them the potential, why wouldn't they?

SPEAKER_01 42:29

No, that's that's very true. It's about the numbers. Yeah. It's about the numbers.

SPEAKER_00 42:32

Yeah. Um, is that what you are asking?

SPEAKER_01 42:35

Yeah, it's like it's it's uh an interesting thing of like you you've come in as a new property investor and you're working with most about like most of these guys have got 10, 10 properties, five properties, six properties already, you know. You've only got the one, but you're having these high-level conversations with property investors every day. Yeah, you know, and you're just started the journey and they're on the journey.

SPEAKER_00 42:55

They're on the journey, yeah. But I see it. I've seen what it's done for our past clients. And I I hear the stories, I see the actual results. And that gives me so much confidence to present something to someone with confidence and say, hey, I think this, this, and this, these are all the numbers, these are the data. Ultimately, it's up to you.

SPEAKER_01 43:18

What's some of the trends that you've seen, or maybe some of the similarities with the clients that you've worked with?

SPEAKER_00 43:23

Um, well, I'm glad you asked me that, actually, because I wanted to ask you about one bedroom units. Because we obviously purchase a lot of two-bedroom, one-bathroom units, and to most people, that's a safe, neat, tidy investment.

SPEAKER_02 43:39

Yeah.

SPEAKER_00 43:40

We're seeing an opportunity for strong capital growth in the one bedrooms with super strong yields. And so we're getting excited and we're getting into this hey, I think we've got something here in a new tub market. Yeah. But I notice I'm getting quite a bit of pushback of just unfamiliarity with people.

SPEAKER_02 43:59

Yeah, yeah.

SPEAKER_00 44:00

With one betters.

SPEAKER_01 44:01

Um, it's got to be the right client. Not every client should buy a woman better. Yeah. Right. It's like back in the day, granny flight deals are massive. You know, you buy a house, 700 square meter corner block, you put a granny flat out the back. That's a good deal. But should everyone do it? No, not everyone, you know. It depends on where you're at in your property portfolio. Um, I think what it's right for. I think there's two kinds of camps. The first camp would be they're early on in their property investing journey. It's not going to be an anchor property in their portfolio, but it is going to give them a property in their portfolio that is going to give them access to the market, access to some capital growth in the next two to three probably months, they'll get growth in a few months. But let's say they hold it for a one to three year window and get capital growth. The most important thing at an early stage investor that I try and focus on is the cash flow. If you're buying an asset for a client and they're negative two grand a year off the bat, it's their first investment property, it's a drastic change to your lifestyle, to a lot of things. But if you're doing something that's maybe out of pocket, two, three hundred bucks a month, and you've you're understanding the whole process, bang, it's in. It is also what I like to call a stocking filler for some people who are building serious portfolios. Hey, I want to go, I want to go hard this year. I want to buy 10. Sweet. I don't think you're gonna buy 10 700 square meter blocks in uh Melbourne Metro Boba. And now all of a sudden you're gonna be out of pocket 200 grand a year. Yeah, I don't think that's if you can afford it. I still actually don't think it's the best thing for you, even if you can afford it. Um, there needs to be a decent blend of you know, some units and give you different exposure to different types of assets when you're building a proper portfolio. I don't know if that answers your question, but I think it's always got to be right asset for the right person at the stage of their portfolio. I think that's what I'd like to think sets us apart is that we know that and we are talking to the clients and understanding where you're at in your portfolio, what do you currently have, what are you currently saving per month, where I what can you? The biggest question I get on discovery calls is I've got 120 grand and we save four grand per month. What can I what do I do with it? What do I do with it and what can I afford? Like they just know they need to buy buy an investment property, and it's like, oh, I can buy that 100%. How much is it gonna cost me? Yeah, maybe a thousand bucks a month.

unknown 46:34

No brainer.

SPEAKER_01 46:35

Let's go. Yeah, and it's like these are normally very well-educated people who have got some serious jobs, but they're just not educated about the property market. And you one deal, like one, like my first property I ever bought, four bed, two bath, eight hundred square meter block in Perth. You can't build a whole property portfolio of those. You you at some that was bought in my personal name, right? I'm gonna rip the equity out of that, go again. I've I've ripped equity out now, and I've started to buy trust from that property. It like, and I've started to buy stuff where I can balance a trust so it's actually positive or close to positive with a couple of mechanics to do so. But that property right now is worth a mil. I can't buy that property today at a mil and pop it in the portfolio. I still think it's gonna grow. Yeah, it did 25% last year. But I I don't I you can't keep adding those things. It's you need to you need to diversify it. Yeah, some cash flow, some growth assets, some cash flow assets. And that's I'm talking about I've just started doing this thing six years ago. It takes time. Yeah, I had a couple of those, I've done a couple of reno deals. You can't build your whole property portfolio off reno deals either. But there's a time and a place to do different types of deals in people's portfolio. The more money you earn, the easier it is. And sometimes that's a bit of a blessing and a curse. Yeah. Oh yeah, I can do it, I can afford it. I'll do it.

SPEAKER_00 48:06

Would you think for say a young Gen Z?

SPEAKER_01 48:10

Yes.

SPEAKER_00 48:11

A one better with a strong yield is a good option for them to get their foot into the investing world.

SPEAKER_01 48:16

How much are they saving per month?

SPEAKER_00 48:19

Let's say they're saving three grand a month.

SPEAKER_01 48:22

Three grand a month. How much cash do they have?

SPEAKER_00 48:27

70k.

SPEAKER_01 48:30

Yes. Like you you'd have to qualify it down a little bit, right? And then the other pieces of the puzzles are are they the young couple? Uh how old they're how long they've been dating, blah blah. Is it serious? Are they gonna get engaged soon? What's the marriage situation look like? That those things are going to not destabilize the situation, but it's going to be factors that it's a factors to to keep your mind. Yeah. So it's like right now, yes, you've got four thousand dollars a month that you save, and maybe we're only gonna spend now five, six hundred of that, or maybe even less than that into this one by one unit. They could do a guarantor loan and keep the 70 grand and buy a two by one, they could do that. What's the difference gonna be? They're gonna be out of pocket maybe a thousand or twelve hundred bucks a month out of pocket on the two by one with the guarantor loan because it's 105% lend instead of doing a 12% deposit on the 350k one by one. So it's like these are all the things that I'm thinking of when I'm talking to a client or a couple or someone of like juggling that's how much you're making, that's how much you're saving, what's coming up in your future, what are your goals? How does that align to what the decision we're making now? What type of flexibility is that gonna leave in your weekly, monthly budget to keep building your portfolio or to go on a holiday, or for goodness sake, you guys fall pregnant tomorrow. Whoops. Um, okay, well, that's great. But then now what do you it's like all these things that can happen? It's like you gotta, I don't know, you gotta leave a bit of room. There's some school of thought out there, it's like take every single dollar, go hard, leverage, bang, bang, get one in the get one in the guarantor, use the 70 grand, go two, go two for one, rip it, rip the equity out in six months' time and go again, do go two to four. It's like that's how you can do it. You can, but that's not realistic for everyone. Correct. And I did something similar and it put a strain on my marriage, it put a strain on my career, and it's like it does stuff to people when you push it like that. Yeah, it's it's not a you get the results, but I think you need to make decisions in your life. Coming back to Tony again.

unknown 50:41

Yeah.

SPEAKER_01 50:42

Financial. I'm making I'm doing this to make a financial return. Yeah, I'm doing this to make a return in my relationship. I'm doing this to make a return in my lifestyle. I'm doing like you it can't always just be, and it's the easiest thing to measure. And I think that's why I would talk for guys, get so addicted to work because it is an amazing vehicle to be like, I put this effort in and I get that back out. And it's like it's so clean and it's so clear. Effort in, out, in, out, in, out. And it's like you there's no feedback loop like that, other than investing. I'm gonna put this money in and I get that out. I'm gonna put this money, and you're like, how long can how long can I do this tomorrow? Yeah, in my relationship, I put time in with Jamie Lee. She might have the shits with me afterwards. All right, maybe like I do it again tomorrow, and then she's over the moon, and then she wants to cuddle me and all this type of stuff. Fantastic. It's like it's not clear and it's not clean, but that doesn't mean that I shouldn't invested there. Yeah, but it's like when you sit down and you go to Palm Beach and you just sit there with your diary, and what do you want? Then it becomes clear.

SPEAKER_00 51:54

Yeah. Yes. Love it. I want a two-bedroom unit in South Yara. You do what I want.

SPEAKER_01 52:03

Um, but honestly, it's been so nice, Shanchan. This is exactly what I wanted from this episode. Like we we talk about some really deep self, we talk about clients, we talk about property, but I think overarching is like, what do we want for our lives? And I feel like I really enjoy mentoring you because I wish I had someone in my mid-20s that would just be like, kind of just giving us a course correct, or just like, and I think you've got so much potential to do massive things in this career, in in this industry, yeah, right? And you're just getting started, mate. Just get inside.

SPEAKER_00 52:34

And honestly, like since starting here, it's been so much more than just the world of property investing, but like you said, the mentorship and guiding me of what do I want in my life? How am I gonna get there? And how can I use property to help me get to that? So thank you. You built them.

SPEAKER_01 52:54

Unreal. Thanks so much, Ryan.

SPEAKER_00 52:55

Thanks, mate.

SPEAKER_01 52:57

Thanks so much for listening to the Moves to Momentum podcast. If you got any value out of this episode, please give us a like or subscribe. Or if you think this is relevant to any one of your friends or family, please flick it to them so they can have a listen.