Debt to Financial Freedom - podcast cover

Debt to Financial Freedom

Welcome to the Debt Financial Freedom Podcast. Everyone loves the benefits of money, but so many of us avoid the hard truths about saving and investing. We wrongly assume we don’t have enough time, capital or knowledge to be able to get to the point of having passive income streams, savings, or investments.The things we really need to know about money aren’t taught in schools. Spending less than you earn, maximising your income, budgeting, taxes, mortgages, investments and passive income - if you didn’t learn these things from your family, then you’re probably like most people who rely on credit cards, buy now, pay later and overdrafts. And then when you want to invest or buy property you will be wondering why you can’t get approval.But there is no judgment from me here - I was in exactly the same situation! Huge debt, poor financial habits and no assets to my name. Step by step I turned my situation around and now, as a certified mortgage broker for 16 years with several investment properties in my name, I’m here to help you go from debt to financial freedom. Because if I can do it, you can too.In this podcast, I will share tips, insights and strategies from my own journey and experience, as well as my clients and guest experts, who share my values and mission to help others create financial freedom. My goal in this podcast is to share raw, honest, transparent, and helpful stories that you can relate to, and that will inspire you to take control of your finances. The only ‘good’ debt is debt that brings you closer to financial freedom and I will show you exactly how to achieve this. Everything shared by me and my guests in this podcast is general in nature, and for education purposes only. None of your personal objectives, financial situation, or needs have been taken into consideration. I highly recommend you seek personal, financial, legal, taxation, and credit advice before you take action on what you heard on this podcast.
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Episodes

From Broke to Financial Freedom: Miriam Castilla's Inspiring Journey

Send us a text Join host Victor Lagos in this transformative episode as he sits down with Miriam Castilla—an ex-engineer turned acclaimed business mentor and founder of the Freedom & Ease Business Academy. Miriam shares her powerful journey from corporate burnout to achieving true financial freedom and building multiple successful ventures. In this heartfelt and insightful discussion, Miriam dives deep into: Overcoming limiting money beliefs and unconscious money blocks Mastering the mindset...

May 28, 20251 hr 5 min

From Plumbing to Purpose: Grant Chugg’s Mission to Fight Poverty in Africa

Send us a text In this powerful episode, I speak with Grant Chugg, a Tasmanian plumber turned humanitarian, who shares his life-changing journey from business success to purpose-driven impact in Africa. After a New Year's resolution led him to say “yes” to a trip to Burundi in 2017, Grant found himself face-to-face with extreme poverty—and a deeper calling. What he witnessed in the eyes of a 4-year-old boy looking after a goat instead of going to school changed everything. Since then, Grant has ...

Apr 10, 20251 hr 25 min

Why Willpower Alone Won’t Get You Financially Free — with Tristan Scifo

Send us a text What if your struggle with money has nothing to do with spreadsheets or strategies... and everything to do with connection? In this raw and honest episode, Tristan Scifo joins Victor Lagos to unpack the deeper emotional roots behind our financial behaviour. Together, they explore the role of resilience, ADHD patterns, and how meaningful relationships can be the real gamechanger when it comes to building wealth. You’ll hear: Why desire is more powerful than discipline The psycholog...

Apr 01, 20251 hr 15 min

Why Willpower Alone Won’t Get You Financially Free — with Tristan Scifo

Send us a text What if your struggle with money has nothing to do with spreadsheets or strategies... and everything to do with connection? In this raw and honest episode, Tristan Scifo joins Victor Lagos to unpack the deeper emotional roots behind our financial behaviour. Together, they explore the role of resilience, ADHD patterns, and how meaningful relationships can be the real gamechanger when it comes to building wealth. You’ll hear: Why desire is more powerful than discipline The psycholog...

Apr 01, 20251 hr 15 min

Women & Wealth w/ Christine McCarron: Overcoming Money Fears & Building Financial Freedom

Send us a text 🔥 Think real estate investing isn’t for you? Think again! In this episode of Debt to Financial Freedom , Victor Lagos speaks with Christine McCarron, a real estate investor, coach, and author who went from less than $0 to a seven-figure net worth after 50! She shares how she overcame money fears, limiting beliefs, and financial roadblocks to build passive income and achieve true financial freedom. 💰 What You'll Learn in This Episode: ✅ The biggest money myths holding women back ...

Feb 08, 20251 hr 12 min

Investment Real Estate and You with Victor Lagos

Send us a text Does your financial planner pooh-pooh the idea of investment real estate? Are you unsure of how to incorporate real estate investing into your financial future? Have you heard that even Warren Buffet has real estate investments and you’re ready to join him? In this week’s episode of Get Your FILL, Financial Independence & Long Life, CEO and Founder of Lagos Financial, Victor Lagos, joins to us answer these very questions. About Victor: Victor’s journey began at 19, diving into...

Jan 02, 202538 min

Childfree Wealth: How to Achieve Financial Freedom Without Kids with Bri Conn

Send us a text Looking to build your financial future without the traditional family blueprint? In this episode, we explore childfree wealth strategies with Bri Conn from Childfree Wealth, a U.S.-based life and financial planning firm dedicated to helping those who are childfree or permanently childless thrive financially. Discover how to align your money with your true values, whether that’s embracing travel, philanthropy, or pursuing your passions—without the pressure of legacy planning. Bri C...

Dec 29, 202457 min

Navigating Ethical Dilemmas in Finance: Victor Lagos on Integrity and Career Choices

Send us a text In this episode, we share Victor Lagos’ recent guest appearance on the Loan Options AI podcast, where he talks about his journey from working in retail to becoming the founder of Lagos Financial, a mortgage brokerage in Australia. Victor discusses the key moments that shaped his career, including his experiences in asset finance, facing ethical challenges, and how staying true to his values has helped him succeed. Victor also explains the importance of making complex financial top...

Aug 20, 20241 hr 36 min

How to Use Offset Accounts to Save Thousands on Your Home Loan

Send us a text What if you could pay off your mortgage faster and save thousands in the process? In this episode of the "Lagos Financial Freedom Podcast," Victor Lagos sits down with Shelley Medina, Growth Manager at Lagos Financial, to reveal how offset accounts can transform your financial journey. Learn the basics of offset accounts, their types, and how they work. Shelley shares her journey in financial services and practical tips for teaching financial discipline, including how her son boug...

Aug 12, 202440 min

Prevent Financial Disaster: Expert Tips on Negotiating Unsecured Debt

Send us a text Are you struggling with unsecured debt? Join us in this episode of the Debt to Financial Freedom podcast as Victor Lagos interviews Laurence Hugo, a licensed debt negotiator, who shares expert insights on how to navigate and conquer your debt. Learn the strategies used by professional debt negotiators to help you regain control of your finances and achieve financial freedom. Topics covered: Understanding unsecured debt Effective debt negotiation strategies Real-life success storie...

Jul 06, 20241 hr 15 min

OUTLIERS EDGE -Learn How to Assemble World-Class Teams and Leverage Collaboration | Victor Lagos

Send us a text The higher you go, in business and in life, it's more about collaboration and not about competition." Victor Lagos Don't miss this powerful Outliers Podcast discussion where Niiamah (@niiamahashong) and Victor Lagos dive into leveraging other people's expertise, time and money for extraordinary results. Unlock the secrets to achieving your most audacious goals. Timestamps 00:00 - Victor intro, changing system inside-out 04:19 - Victor's business journey in finance 06:37 - "Go hard...

Jul 02, 202450 min

Victor Lagos Secrets to Financial Freedom: Good Debt Vs Bad Debt (Just Minding My Business Media)

Send us a text Discover the secrets to financial freedom with this video on good debt vs bad debt. Learn how to use debt wisely to build wealth and achieve your financial goals. Victor Lagos is a distinguished mortgage broker and seasoned property investor with over a decade of financial acumen. Commencing his career at age 19, Victor’s expertise lies within residential and commercial property finance, SMSF property finance, and diverse business loans. As the host of "Debt to Financial Freedom" ...

Jul 02, 202432 min

Navigate Your Path to Financial Freedom with Smart Property Investments

Send us a text In this engaging episode of the Debt to Financial Freedom podcast, join Victor Lagos, founder of Lagos Financial, as he explores the intricacies of reaching financial freedom with an emphasis on smart property investment. Victor openly shares key experiences and critical decisions from his own journey towards financial independence, delving into the effects of soaring interest rates on property investments and the management of cash flow. This episode covers: What financial freedo...

May 30, 202436 min

Master Refinancing Property for Explosive Portfolio Growth! | Financial Freedom Series Ep 6

Send us a text In this must-watch last episode of the Financial Freedom Series, Andrew Bean teams up with expert mortgage broker Victor Lagos to unveil the secrets behind successful property refinancing. Dive deep into the art of using equity to fuel your real estate investment journey and discover how to secure the best interest rates, choose the right loan structures, and navigate the future of financing. Whether you're a seasoned investor or just starting out, this episode is packed with expe...

Feb 15, 20241 hr 1 min

Navigating Commercial Lending: Essential Strategies for Business Financing Success with Lee Pedler

Send us a text Ever wondered how commercial lending differs from residential lending and what opportunities it holds for your business growth? In this must-listen episode of the Debt to Financial Freedom Podcast, I, Victor Lagos, sit down with the fantastic Lee Pedler from ANZ. We're diving deep into the world of commercial loans and how they can be a game-changer for your business. Lee, with his wealth of experience, breaks down the complex world of commercial lending into bite-sized, easy-to-u...

Dec 23, 202351 min

Proven Solutions to Overcome Finance Approval Hurdles | Financial Freedom Podcast Ep 5

Send us a text Ever felt like you're navigating a maze when trying to get your finances approved? Do you know the common pitfalls that could be standing between you and your financial freedom? Join us in this riveting episode of the Financial Freedom Series Podcast with Andrew Bean and Victor Lagos, as we unravel the complexities of the finance approval process. Victor, a seasoned property investment and financial management advisor, shares invaluable insights and expert tips to guide you throug...

Nov 03, 20231 hr 25 min

Loan Shopping 101 : Navigating Different Types for Maximum Returns

Send us a text Ever thought about how the right loan can supercharge your property investment journey? What if the keys to unlocking the best deals were just a play button away? Dive deep into the intricate world of commercial loans, property investments, and the secrets to navigating the financial maze with industry experts, Victor Lagos and Andrew Bean. Whether you're an investor, a business owner, or someone looking to understand the financial landscape better, this episode is a goldmine of i...

Sep 16, 202347 min

Cracking the Lending Code: Secrets to Maximising Your Borrowing Capacity

Send us a text In this enlightening episode, Victor Lagos, a renowned property investment finance broker, joins Andrew Bean to demystify the complexities of the lending world. If you've ever felt overwhelmed or confused about how to maximise your borrowing capacity, this is the episode you've been waiting for. What You'll Learn: The hidden power of trusts and how they can shelter your debt. Why working with the right accountant can make or break your borrowing potential. The common mistakes peop...

Aug 26, 20231 hr

Debt to Financial Freedom Podcast Episode 11 with Bob Andersen

Send us a text Ep 11 . Debt to Financial Freedom Podcast with Bob Andersen Introducing Bob Andersen: The Property Mastermind 💼🏢 🔑 Meet Bob Andersen, the director of Property Mastermind, with over 39 years of experience in property development, property investment, and marketing sectors. 💰 Bob's involvement in projects worth over 1.3 billion dollars showcases his expertise across diverse property types including commercial buildings, apartments, high rises, retirement complexes, subdivisions,...

Jul 19, 20231 hr 1 min

Episode 2: Financial Freedom Series Podcast

Send us a text Welcome to the second episode of the Financial Freedom Series! In this episode, your hosts Victor Lagos and Andrew Bean dive into the topic on Loan Application Applying for a loan can be a daunting task, requiring meticulous organization and submission of various documents to the broker. Thankfully, there are tools available to simplify the process. In order to secure a loan, the bank needs to establish your identity and understand your income and liabilities. Let's delve into the...

Jul 13, 202352 min

Debt to Financial Freedom Podcast Episode 10 with Scott Robinson

Send us a text Debt to Financial Freedom Podcast Episode 10 with Scott Robinson Welcome to a remarkable episode that breaks the mold. Today, we venture beyond the realms of property, inviting an extraordinary guest who embodies a multifaceted brilliance. Scott Robinson, a distinguished business owner, transcends conventional boundaries with his profound expertise. As a Senior Lecturer at the esteemed Academy of Applied Movement Neurology, Scott delves into the intricate workings of the mind, bra...

Jun 23, 20231 hr 8 min

Debt to Financial Freedom Podcast Episode 9 with Harry Benetto

Send us a text Debt to Financial Freedom Podcast Episode 9 with Harry Benetto "Welcome to our exciting new episode!, In this captivating episode of the Debt to Financial Freedom podcast, host Victor Lagos welcomes special guest Harry Benetto, Head of Sales at PropHero. Together, they embark on a journey to explore the fascinating story behind PropHero, the next-generation wealth platform revolutionizing property investing. Tune in as they delve into the company's history, its visionary founders,...

Jun 09, 202332 min

Debt to Financial Freedom Podcast Episode 8 with Sally Irwin

Send us a text Debt to Financial Freedom Podcast Episode 8 with Sally Irwin "Welcome to our exciting new episode!, Ladies and gentlemen, today we have a truly remarkable guest joining us. Her name is Sally Irwin, a visionary leader and an unwavering advocate for victims of modern slavery. In March 2014, Sally founded the Freedom Hub Survival School, a beacon of hope that has transformed countless lives. This remarkable institution not only rebuilds the shattered lives of survivors but also provi...

May 26, 202347 min

Debt to Financial Freedom Podcast Episode 7 with Victor Idoko

Send us a text Debt to Financial Freedom Podcast Episode 7 with Victor Idoko "Welcome to our exciting new episode! Today, We have a very special guest joining us Victor Idoko-founder and financial planner of CFV Services,, a company that specializes in creating financial value for its clients. With Victor Idokos wealth of experience and knowledge in investments and wealth management, we're in for a treat. Victor Idoko is the founder and financial planner of CFV Services, a company that specializ...

May 10, 202346 min

Debt to Financial Freedom Podcast Episode 6 with Philip Khao

Send us a text Welcome to Episode 6 of Debt to Financial Freedom Podcast, where we have the pleasure of hosting Philip Khao, a distinguished chartered accountant and a Partner of Solve Accounting, who also co-hosts the new and exciting podcast 'Solve to Evolve.' In this episode, we delve into different topics, and gain valuable insights from Philip's expertise and experience. In this episode, Phil shares his story of buying a property as an owner-occupier at 21 and then converting it into an inv...

Apr 26, 20231 hr

Debt to Financial Freedom Podcast Episode 5 with Arjun Paliwal

Send us a text Welcome to our podcast, where we bring you conversations with the brightest minds and top performers across various industries. And today, we have a very special guest joining us, Arjun Paliwal. Arjun is a highly successful entrepreneur and a leading expert in the Australian property market. He's the founder and Head of Research at InvestorKit, a data-driven buyer's agency that has helped numerous Australians build successful property investment portfolios. He's also the co-host o...

Apr 10, 202339 min
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