The Property Tradies Podcast
Most property advice is built for suits. Ours is built for tradies.
Join us every Monday @10:00AM as we break down everything a tradie needs to know about property investing — where to buy, how to finance it, the traps that catch high earners out, and the latest property news that actually affects you. Straight talk explained in a way that makes sense.
Blue collar Australians work harder than anyone. But without a plan, most are still on the tools when their body's already telling them to stop. Joel and Brodie are here to change that.
If you're ready to start building your portfolio for a better future, book a call below.
The Property Tradies Podcast
Why Making $150k+ As A Tradie Still Leaves You Broke - Breaking The Paycheck To Paycheck Cycle
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📞 Book a Free Strategy Call with Joel → https://calendly.com/joel-tomii/client-meeting
Most tradies are earning great money but have nothing to show for it at the end of the week. In this episode, Joel and Brodie break down exactly how to go from blowing your paycheck to building real savings — and eventually your first investment property. From money psychology to bank account structure, this is the practical playbook that no one teaches you on site.
🔨 Why tradies need to watch this:
Find out why a high income doesn't mean wealth — and the mindset shift that changes everything
Learn how to track your money without overcomplicating it and burning out two weeks in
Discover the bank account structure Joel personally uses to budget, save and invest at the same time
Find out why big impulse purchases — not your daily coffee — are what's actually blowing your budget
Understand the difference between good debt and bad debt, and why clearing bad debt is the fastest way to get ahead
Get the tradie-specific saving hacks around cashies, overtime and negotiating your rate
Learn how to get investment ready — and why one conversation with the right mortgage broker can make your goal feel way closer than you think
Timestamps:
0:00 – Welcome back & what we're covering today
0:00 – The paycheck to paycheck cycle & why high income doesn't equal wealth
2:57 – Financial patterns passed down by parents & limiting money beliefs
3:46 – Delayed gratification — the crux of investing as a tradie
8:31 – Income tracking — how to understand what you're actually earning and spending
10:22 – The brutal budget reality — why big impulse buys are killing your savings
11:32 – The vicious cycle of short-term loans and how to break it
12:31 – Saving strategies — automatic transfers, high interest accounts & ETFs
14:01 – Saving without feeling deprived & how to gamify your budget
22:22 – Tradie-specific hacks — cashies, overtime & negotiating your rate
22:44 – Debt management — good debt vs bad debt explained simply
26:39 – Credit ratings in Australia — the truth most people get wrong
29:04 – Bank account structure — the exact setup Joel uses personally
32:28 – Getting investment ready — setting the goal & speaking to a broker
33:36 – Putting it all together — timelines, fail safes & staying sane through the process
37:59 – Men's Finance Questions
43:50 – Outro