Alright , folks , welcome back to the Property Couch podcast , which is the first for the new year , Ben of our next installment of the summer series .
There you go , bryce . Happy new year to you too . It's going to be massive , massive 2024 . Cannot wait . Huge shows coming up in summer , series back into the depth of everything going on in February with the property market . It's going to be huge .
I'm a huge boss , mate , I love the energy and enthusiasm that you brought into 2024 and almost as much as I love the story that we're sharing today . We are talking to a single female property investor who knows how to do it all . Ben , what are we going to cover ?
Mate , this is not a boring story . We have got diving around the world , we've got being educated around the world , we've got working around the world as part of this story , so definitely not boring . This is living , this is lifestyle by design , as you said . So I can't wait to hear all about Jasmine's exciting story .
Folks , we have got so much energy to bring to 2024 , and this episode is where it all starts . Let's rip into the show .
Welcome to the Property Couch where each week , you get to listen to two of Australia's leading property and money experts Bryce Holdaway , co-host of Location Location , location Australia on Foxtel's Lifestyle channel and co-host of Escape from the City on the ABC .
And Ben Kingsley , chair of Property Investors Council of Australia and a back-to-back winner of the Property Investment Advisor of the Year Award . And both the partners of the multi-award winning Empower Wealth , co-creators of Moor , the free lifestyle design app , as well as bestselling authors of the Armchair Guide to Property Investing , can make money simple again .
Stay tuned as they bring you the Insiders Guide to Property Finance and Money Management .
Alright , Ben , we've got a very special guest on this edition of the Summer Series . We are talking to TPC listener Jaz . Welcome to the Property , Couch Jaz .
Hello , I'm very proud to be here . I've been cheering for you for so long now .
Yeah , thank you for joining us . I think it's really brave when someone comes on and is prepared to talk about what's going on for them , and I'm really looking forward to having the conversation with you . You know what Summer Series is like , jaz . You've said that you've listened to a few . We want to get to know you .
We want to go all the way back to the start of the story . Can you tell us what the money stories were like when you were growing up in your household ?
Yeah , of course I was thinking of that already , like coming into this . I think my money and table story started very early on , when my parents were still together like very middle class family . I don't know we weren't rich , but we weren't poor , like something in between . They were really young when they had me .
For nine years I was a single child until my sister came . Because of that I also partly grew up with my grandparents , so I come back to that in a second .
So , as I said , conversation at the table was probably not really about money as such , but there was always the sense of , like my mom early on said , if you want something you need to work for it , and she always wanted to kind of make sure that we understand that things don't come flying from the sky .
And I say that because my grandparents , they spoiled me quite a bit . So if there was a new Barbie you know like doesn't want to do new Barbie very often they would buy the new Barbie and then my mom would get angry and I never really understood why she would . Now it makes total sense , yeah , so I cannot complain .
It was a great childhood in that way and very like when I was maybe 12, . The minimum age of working was maybe 13 , like around there , but I wasn't just there yet , but I needed to work . So I said to mom can we pick up a job like delivering newspapers ? It's on your name , but I do it . And in the beginning she actually walked with me to do it .
So I earned my first money , to you know , to save as well . And yeah , I was a good saver , I'm probably still a good saver . And then , and then my parents separated , so my mom was always there . And now this is an interesting one . I looked up the word a frugal one . I'm from Germany , so some of the words don't really translate , but frugal .
I had to look up whether that's a positive or negative thing , because somehow it has that negative sentiment . But what I mean with her ? She never not provided anything for me , or how do I say it ? Like she , she always was very frugal with herself , less with me . But it also translated into like really thinking what we are purchasing , I guess .
And then my parents separated . My dad was always the one , the big spender , probably older spender , and my mom was the responsible one . So then all of a sudden my dad left the picture and he didn't quite support us in a way financially as he should have .
And I think in retrospect I look at my mom and she's like this power woman having a part-time job with my sister , like supporting my sister and myself through our teens and my sister was quite young , but anyway . So things changed a little bit .
My grandparents were there as well to support us , but my mom was always like I need to work for my money , like she kind of almost refused to take money , but there was always the safety net of my grandparents .
And the grandparents on your mother's side .
Interestingly no from my dad's side .
Wow , that's . That does make it a little bit more complex . And look , obviously this is new information that we're learning here and if I'm going too far into this you can always step me back With the relationship breakdown . How much of that do you think had to do with their differences around money behaviors Frugal frugality versus spending ? It was there .
Were there arguments around money in the household ?
Never did I . Well , if my dad wanted a BMW , you know , and we couldn't quite afford it . Maybe that I've heard , but never like really consciously like my dad , like when I said he was more irresponsible with money , that was probably also reflected in his lifestyle choices outside everything .
So maybe it's not the direct relationship between money and their their breakdown , but it probably had a part in it .
It's an indirect relationship . Okay , that's good to know . Thank you .
So okay , so wow , there's a bit to lean in there , right ? So let's go to the job , right ? So at 12 , you say it's pretty standard for 13 for jobs , but you wanted to try a little earlier . What was the spark that was causing you to want to get that independence and that income at that age ?
I think it's just my mum telling me you need to work and earn your things that you want to buy . I was never , ever , and I think I'm still not materialistic Like I don't have brands , I up until today . Sometimes my girlfriends , they tell me about a handbag brand and I'm like never heard of it .
Or , you know , I still don't know the difference between Gucci and Chanel bags and , frankly , I would never spend that money on a bag , right ? However , there are a few things that I wanted and that my mum said if you want that , you kind of need to save for it , and pocket money was just not doing it , like I didn't get there quick enough .
So I guess that was the spark of it , and I also really liked the idea of working . God knows why I don't love the idea of working today , but I get to enjoy it .
We're wanting to work , it serves a purpose and a lot of people get a lot of enjoyment out of work that they do In terms of , so I'm trying to paint this picture . So your grandparents , on your father's side , tell us about their sort of financial situation . Was it , were they comfortable , or were they middle class or lower middle class ? Tell me .
So they and that's why I brought them into the story , because they came from nothing . My granddad was like a refugee from you know wars and he came to Germany when he was really young from a refugee camp , how he always like tells us about , and he had like a job I wish you would , you guys would know .
But Otto Versand so that's like a it's a big company in Germany that back in the days they had catalogs and then the catalogs went into the houses and then you would choose your things that you wanted to buy and then you put it on a little paper and then someone would pick that up and you would get a delivered super novel back then .
And he was the guy who picked up the catalogs in the in the headquarters and then delivered them to the houses and then went back to do the sales technique to get you know people to buy more . And so that was his start in working life in Germany .
And then by the end , when I got to know him , he was like a director , like really high up in that company and he really worked himself up there like so from the foundation and like that is probably one of the biggest aspirations that I have like from him , like from nothing to , you know , like a really influential person .
So he was , I would still say , middle class , but he was definitely a type of person that would buy whatever he wanted , loved his Mercedes . You know , we're Germans , so holidays were not a problem . We would always go on holidays a yearly holiday with them as well , yeah .
So I don't know when does middle class stop , and you know the other ones start Like I don't actually know .
So I'm reading a book at the moment called Drive and inside that book there's you know it's obviously all about motivations , external and internal , intrinsic motivations , blah , blah , blah . And there's a section in Chapter 3 of the book that does talk about you know the research we've all gone around experiences and having lots of money is .
There isn't a direct correlation with happiness . But one of the interesting things that came out and we've talked about this on the pod before which is around , if you have great experiences , that does give purpose and meaning , around having money and you know you get .
You know that's where you get happiness from , not so much from building you know a rich value of money . But the other interesting thing in the research that came out from that was those people who were successful . They got great joy out of actually giving money away .
Now , you know , in this particular case , what your grandfather is potentially talking about is he's come from nothing , he's worked his way up to a directorship and he got great joy out of being able to provide whether it be a Barbie doll or right through to , potentially , these holiday experiences , and that would have been super rewarding and super powerful for him
in terms of what the value of that money gave for him and that that's showing up in the research as well . As you know spending money on your own experiences that people get a lot of joy in terms of sharing their money .
And I think that you said that and I swear we didn't talk before about that what we really got the biggest joy out and it drove my grandma nuts is like give money away . Like as in you know we are not a tip culture he would like tip really big . He would find a homeless person and invite them over for Christmas , like things like that .
Like , and I learned that from him . I get a lot of joy out of that as well , I guess . Hence the charity that I'm running .
Yes . So if I can stay on this line of sort of inquiry and then you've got your mum on your other side is very frugal and obviously maybe that sort of you know that ability to get dolls and a couple of other things early on , but you wanted potentially more of those material things early on .
I think it sounds like you've matured a lot since that particular time . How did that make your mum feel around ? You know what she was giving you because you mentioned earlier she's a superwoman .
You know , being able to obviously raise two kids as a single mother sounds like dad didn't , you know , sort of come to the party in terms of his maintenance payments and all that type of thing . So bad dad in terms of . So your mum's gift to you was obviously the ability to teach you at a young age about independence and and effectively being self sustaining .
Is that a fair assessment ?
Absolutely and I only now honor and value that , obviously in the later stages . Later in the long term yeah , and very often oh , and you asked whether she was happy with the dolls and you know the gifts . She wasn't .
And I do remember actually I'm not sure if I remember if she told me afterwards when I was older that there were arguments between my mum and the grandparents for spoiling me , so to speak . But yeah , I think I didn't feel that back then .
I'm having the same conversations with my grandparents at birthday parties and all that . But I was like , guys , I'm trying to teach them how to earn something you know , reward for it , and they just dump under dollars for their birthday . Each of them is like , oh God , you know , this is hard work . So there you go . So it's . It is that challenge .
Like grandparents just want to be the besties , don't they ? They just want to , you know , give and give and keep giving . So it's a really challenging time for parents who have to , or trying to teach those types of ideas . And then the grandparents come in with all of the super gifts .
I think we just have to acknowledge that our grandparents just want to take that role of you know , my dad says if I knew a grandparent was going to be this much fun , I would have done it first . But if you , if you think about so , there's a bit there . So you separated parents , you've got influence , you know .
Single child for nine years , mum projects for Egality , dad projects , spender and granddad projects , aspirational intent which which of the three were the biggest influence on you in those early formative years ?
I want to say mom and granddad . Of course I do have the craziness of my dad a little bit , you know , like go out and enjoy life . I still have that . And when we go a little bit further after my childhood you might hear that in my story . So I definitely have that from him . So it's great to have that triangle rather than having just one of them .
So yeah , but I want to say mostly from my mom and granddad .
Yeah , cool , so okay . So your first job at 12 , but let's fast forward to the first independent job . So you're , you're , you've left home , you're managing your own independence . What does , what does that look like for you ? Are you frugal or you're a spender ?
Well , I've had jobs all my teens . So I would say I was very independent already , from whenever it was legal to when I left home and I was definitely never a spender ever . I was always saving Excel spreadsheets like that .
But even before Excel spreadsheets I had it in my head and I knew how much I want to spend versus not like , and how much I want to save . And if I spent something big , a thousand dollars on holiday , I would be like , oh my God , I would ask mom in the very beginning .
I remember the first holiday I just booked and I didn't ask mom , like , do you think that's a good idea ? And then , well , that felt bad . So that was like my early 20s felt weird . Yeah , but I , I would say I am naturally a saver , which sometimes where we comes across as cheap .
So I looked up all these words because you can be cheap , stingy , frugal , you know all these words . They kind of they happen somehow in my head . I just don't want to have like the negative .
That should be in your head as well . Smart , throw that one in the mix as well .
Right , responsible , responsible . Yeah , you know the lay , gratification .
Once you work out that money makes money , life changes a bit .
It does .
So OK , so you then decide to travel the world . Can you tell us a bit about that ?
because that's that's the spirit of your dad that you've just described having fun , because what you did sounds a fair bit of fun , yeah it does , and it's probably also a reason why I'm sitting here with you , because I finished high school and then I left to go to go and do a work in travel in Australia , and all funded by myself .
So I was 19 and I saved everything up until then , and then I don't know how I did it I think I had like five thousand , six thousand and I I survived a whole year . God knows how I did it . Um yeah , hostels , you know , shared rooms .
Yeah well , you clearly , you clearly are resilient , you know how to make things work . So you come to Australia . What were you doing ?
All right . So I started off being a nanny three months . It was very safety driven because I would come to this far away country and in my head I'm not even such a child person like I , but like it's , for me it was a family away from my family that I could just kind of arrive .
And then , once I settled in here , I was like comfortable to do the backpack , backpack packing with my friend who was also doing a nanny job . So then we flew to cans and that's probably where a big decision shaped my life . Um , I was on a boat at a grand bear reef and a dive instructor .
He was like flirting with me and saying you need to do your diving license . And I'm like , nah , snorkeling is fine . And here you hear me , nah , I don't want to pay for that license . So he gave us a for free introduction , um , and I came up and the first thing I said was like , oh my God , I need to do this .
And so then I did my diving license . And then I had a little thing with the dive master on the boat and he told me all about what he's doing . He's learning to become a dive master and I thought that was amazing and yeah , you will once you get to know me if I like or love something .
I research and do a lot of work to get really knowledgeable in that area and diving in that moment was just it fascinated me and it just gives you so much Zen as well . Anyway , long story short , we traveled a little bit , came back to cans and we did our dive masters and that's kind of an assistant instructor course and yeah .
So that was , that was amazing and that basically then shaped the next years of my life .
So how did it shape the next years ?
Then I had to leave Australia no visa , you know . So then I left and I wanted to study because the responsible side you know my mom said in the head told me I need to study and did it , do a degree .
And I didn't want to do it in Germany , so I did it in the Netherlands and the reason of that was that it's English and I wanted to have an international degree and it was also for free , like in Germany , so you get subsidized through Germany . So it was a smart move , in my opinion .
So we went there and when I say we , I went there and studied for four years , I must say my grandparents kindly supported my rent , so that was a thing . And I did work , though I had a part time job and then and then I was like okay , so now I have my bachelor's degree .
Then my head was itchy again , that side , and so I went away again and went on a diving year . So I lived in Thailand . That's probably another thing that shaped me , like seeing how people live there and how that's also absolutely okay Like to live in like in a one room bungalow it was so nice , you know , by the beach , and that was amazing .
And I taught diving Lift a dream with very little money , like the income you get in Thailand is , as you can imagine , quite little . But it was fine and my goal was always to have money to purchase my return flight back . And then I worked on a cruise ship in the Caribbean . So that was now . That was now and was that ? I don't know even like I .
Yeah , we cruise in the Caribbean . It was a German cruise ship . Salary is also quite low , but everything that you earn on a cruise ship is basically going on your saving account , unless you go partying and pay for it . But like lots of it is funded there anyway . So everything that I earned there again I put it on my savings account .
Because now I came back and I had to catch up with all my friends that were now already going for a master degree , and in Germany master degree is like two years . So I was like okay , so I did one year of fun , so now I need to catch up . So what did I do ? I found a master's degree that was like doable in terms of money .
That was in Scotland and Edinburgh and it was just one year . So enrolled in that one was very lucky that I got accepted . It was a really good business school .
And then I did that and after that I rekindled with a man that I met in Australia during all the time because I did also a study abroad that I skipped over now in Sydney and I came back for him , basically , and so I came to Australia and that's then when I settled in Australia .
So then at this point I was a very experienced dive instructor , well educated , but not like had no experience in a corporate life , and I started off as a dive instructor and mainly in an oceanarium , like a shark dive instructor in an oceanarium , and that was amazing . And then the first job came up . No , it didn't come up .
I was invited as like a UX testing participant because I was German and they wanted to use a experience test like an app that I think it was Australia Travel . Australia built this app and they wanted to test it and they looked for foreigners . They invited me . I went through the session and I said to this Dutch girl what is this job ? This is amazing .
And she's like well , this is that . And I'm like never heard of it . I want to do it , left my CV . A few months later they called me and said well , we can , we need an assistant .
And yeah , the history starts there from my current job , so your current job now is in terms of doing experience design with financial apps . So that's pretty incredible in terms of that . So , to put some time time context on this , this has all happened sort of between 2004 and 2012 . Does that feel about right ?
12 is when I came to Australia .
So then yeah , yeah , and then so you've done . So that's right . You came to Australia , back to Australia 2000 . Did the dive work in Bondi and then eventually got into corporate work using your business masters in that particular space . And so you're settling into Sydney , by the sounds of things , with your partner at the time or without the partner .
We lived separately , so I was independent . I was with him because then , yeah , but like I settled in by myself .
Let's say like that yeah , and then what's next ?
What's next ? Then I split up with a partner , but by that time I had my visa so I could stay lucky . And then , yeah , I just basically worked in a corporate life until like a few years ago Maybe five , six years ago when my dad's side was like in my head again I was like I'm early 30s , now it's the last time , the last chance to do something great .
And so I quit my job and I flew up to Cairns and I was a dive instructor again for a year , which was amazing , again , like minimum wage , 15 hours a day of working at their most amazing place . But again , I think I saved quite a bit of money in that time .
I don't know how again , but rent is a lot cheaper there and because I was working on a boat quite a bit as well , I could save some money . Yeah , so I finished that one love cans , by the way , in case you haven't noticed love can .
And then I came back to to Sydney and back to the bank where I worked before , and they took me back and they said did you have enough ? And I'm like , yes , I'm back in the office now . And yeah , so that was that and I've been there ever since .
Well , I guess there's a couple of things that jump out of the page here . Right , so you're tenacious and you're resourceful and you're often on the chase for adventure . Right , so you're clearly happy to back yourself in on some of these things . Right , because you go . Well , take us through the thought process of some of these changes .
I'm just going to go to Amsterdam to study . Oh . I'm going to go to Scotland because I can knock a year off . Oh . By the way , I've landed a job in banking . Oh , I feel the need to go back to Cairns . Like . It seems like amazing , as we recall this dear diary of yours . But are you , are you feeling any anxiety at this point in time ?
Or are you just like channeling my dad ? He , he , he chases adventure . I'm just going to channel him at this point .
Look , when you talk it through like that and summarize my life , it gives me anxiety right now . However , in the moment , I'm a big believer in finishing something when it's at its best so that you can come back to it if that makes sense .
So I didn't want to leave it until I'm so annoyed or something and then you don't want to come back because he would not like it . That whole split career thing has been a thing throughout my whole life . I needed the diving , I needed the .
It sounds I don't want to say in that way , but like the corporate life gives me , gives a lot of different stimulation to the head . They're teaching , diving , teaching , diving . I'm not going to lie , it's one of the like scariest things as well , because you need to talk to people and they need to listen . If they don't , they might die .
So it's like a different kind of challenge , but that challenge almost gets boring after some time . So then I come back to the corporate life and this is like the motivation of like why I go and do different things , because maybe I get bored at a certain thing .
No , there's a lot of need for stimulation in terms of what you've been talking about there . Hey , I'm then going to move on to a note that I see on the screen here that talks about you then thought OK , well , I've saved all this money . I'm going to learn to invest .
Tell me a little bit about what the first trials and tribulations around investment look like for you .
Well , the first bit of investing was probably always chasing the best savings account . Like would literally open up every saving account at different banks . Even though I was working for one bank , I would go to other banks to put my money there . So that was very smart and responsible .
But then I met someone and he was into day trading and he basically didn't do much else than day trading in foreign exchanges and CFDs contract for difference and I was like I'm like close to the German economy , I'm closer to the Aussie economy . It's actually quite handy for me to read even more into this and do day trading between the two exchanges .
Yeah worked really well . I earned a lot of money . I did it on the side until it didn't . So then it crashed . There were a few reasons for it and it was all my fault , but yeah , I basically lost all my money that I've ever earned , like literally just zero .
On that day that I lost everything , I had a credit card debt , because I do the thing that you advise to you know , like buy everything on credit card and pay it off under the due date . So I had like accumulated all my expenses on credit card but like my balance was zero because I actually it was all wiped out .
So I don't know if you know , but obviously you do . But like in day trading , you can earn a lot but you can lose even more than you invest . So that basically happened .
So you had leverage positions , I'm assuming , in CFDs or something along those lines .
Yeah , quite a bit , and the reason I like it was a domino effect . That happens , that happens , it's like textbook . I went to Mexico and diving on a day and I informed my bank that I'm going to Mexico because sometimes when these trades go sour , you have to fund your account .
And anyway , I told my bank that I'm in Mexico but I did not realize is the time difference and how markets close and open differently . Well , I did know that but I kind of ignored it and I also didn't put stocks on which I should have .
So all these little different mistakes that I've done meant that at one point everything closed , all my trades closed and I couldn't fund them . Like there is like a bit of a time period that you can fund them , but because the bank blocked me to fund my transfer , it was all too late .
I was on the phone to Australia trying to get the money , but it all closed . So I was sitting in Mexico and zero . So I came back to Australia and then I had zero . So that was interesting .
So take us to like OK , so we've just flippantly talked about something that was major , right ? So you've just come back from Mexico to a zero bank account and a credit card . What is what is running through your mind ? What are you thinking at this point and what are you doing to to pivot ?
I had to tell myself not to freak out . I'll be fine . I had to keep on telling myself that because I get anxiety just thinking about it . I don't often talk about it because it's a bit of a shame , like it's a very shameful event that happened .
But one of the things that I knew that will happen is that I will get a tax return because I made a lot of profit and a lot of loss , but eventually I would get money back because the loss was a lot higher and so I was just counting on that to kind of bounce me back .
It wasn't that much Like as in you know , I obviously not that as much as I lost , but it was something to start with . And I'm trying to remember when the time was and when the tax return , you know like came in . But basically what happened is like I came in at zero . I knew I get my next paycheck .
As I already explained , I'm not a big spender , so with the one paycheck I would cover this Probably , don't pay anything else , and then with the next paycheck I would start saving again , and that's exactly what happened . So , yes , it knocked me out , but like , look at me now , I'm so fanny .
So , jess , push back on me if it's sensitive , but what's what's shameful about wanting to get ahead , like clearly in the rear vision mirror ? We can all agree that it's a high risk strategy and you wouldn't be . You know , to beat the market is very difficult , so , but it's not like you were trying to do anything other than get ahead .
So which which part of that is shameful for you ? And tell me to back off again if it's to raw .
It's the uneducated , the uneducated gambling , almost . So basically , when I was totally in it , I wouldn't have spoken about it like this . I do talk about it now , like that . So I did obviously educate myself quite a bit , like I wouldn't just do that . But I don't know . I think I just still .
I mean , I did these three mistakes in a row or four , you know , from going on a holiday , not putting a stop on and so on . I should really not have done that . That's the shame . Like why did I do that ? Like why did I do these mistakes ? I knew better , I definitely knew better , but somehow I was not educated enough .
So I guess , warning everyone don't go into day trading if you don't know exactly what you're doing .
And it will , because obviously there's lots of promotional content out there on social media about getting into trading .
I mean , you can't go without watching a YouTube channel if you're not an investor without sort of being shown some guy walking on the Spanish Riviera or showing he's you know he's Castle in Ireland and you know all of the money that he makes through day trading and all of that stuff . Like there's heaps of those sort of guys out there .
Tell me about the gentleman who got you into day trading . Did he have a similar experience , like did he have big losses at the same time , or was he successful in terms of what he did ?
To my knowledge , he's been successful . He definitely has like a few open trades that might sit at like a loss , but , like I think , overall he's been quite successful . And he's also the one that always warned me and said jazz , don't get into it if you don't know what you're doing . And I'm like tell me more , tell me more .
So I always wanted to get more info out of him . So he's been quite successful .
Okay , so , wow , all right . So there's a fair bit up to this part of the story , but there's a lot of cool stuff to come Right . So you , you , you . You've got this experience of day trading , but then it appears that you decide to channel what you do really well and that's save . So what did you decide to save the money for in 2021 ?
For a house that I'm living in now . Yeah , but I would say I didn't save up until then so I could buy this house . This house was my whole , my whole life . Sometimes I feel has been a bit of luck , but then people remind me you need to also go after your luck .
So I didn't like , when you asked me , I did save quite a bit and then in 2021 , that was one year after the pandemic I noticed that I was sitting in my shoebox townhouse in Newtown with my two , two , four Greyhounds and I had friends down the coast , south coast , and they lived here and by the beach , by the lake , and I loved it .
We would visit a lot and I was like why am I spending so much rent every week into this townhouse when actually I'm not going out there ? I was in the middle of Newtown . I didn't go to the pubs because I think the whole pandemic changed everything Right , and I was close to work , but I didn't go to work because that was also shut down .
So I was like why don't I buy a house ?
So , because I work at the bank , we sometimes do have like webinars and like a bit of information events and one of them was like no-transcript , can you buy a house , like now , something like that , and you go to this event and then you get connected with a lender and they will kind of go through the numbers with you and then give you a number .
And then I looked at the number and I'm like , all right , can't buy in Sydney , obviously . But then I looked at the numbers here down at the south coast and it just in my head it made sense Like why would I keep on paying rent ? And so then the story started with me finding a house , while everyone was trying to find a house as well .
It happens , because that's what happens when interest rates are record lows and borrowing powers are high and there's a want and then there's a need and ultimately that's how it all plays out . And obviously now , with hybrid working environments , we're able to spend more time away from offices , and that has allowed that to sort of happen .
In terms of your discovery , you found us how long ago from a podcast point of view .
Probably shortly after . So I bought it in June 21 . I found you , guys , when I was thinking of getting a second house , like at the end of that year or like in the beginning of the next .
So this is a classic case of you saying you don't do things by half and when you engage into some interest , you're all in on that particular story . So well , thank you for discovering our podcast and what you were listening for .
Tell us about that in terms of what did the pod do for you in terms of building your knowledge base and allow you to help take action in terms of what your story looks like .
It's interesting because the reason I found you was actually because I got bombarded with Sprooker's messages on not messages like Instagram , fades of like buy this off the plan and all these promises that they make sounded really good , and because if something sounds too good , it's probably not true . So I went with that and I started my research .
And there is another like open chat in the internet . I forgot know what it was . It was like an open chat where lots of people and you are also contributing and people were starting to talk about property , couch , to get info or like to get educated , and then that was very shortly before my trip to Germany . So now I know when that was .
That was actually Christmas , so I went home for Christmas , so I found you guys and then I was like that sounds interesting , I can learn a little bit about that , and so you know the 24 hour flight to go home I still say home , germany , by the way , home is actually here now , but sorry so then 24 hours .
I had time to listen to your podcast , so I downloaded all the ones that I thought were interesting , just from like looking at . The topics started off like you instructed one to 20 to start off with .
And then I just went through the list because obviously you've had like hundreds by then , one by one , and I remember , with my headphones I was listening to it falling asleep , listening to it going back , because you're on the plane , you always , you know , fall asleep .
But like I went through all of them , like all of them , and the more I listened , the more I got inspired and the more I wanted to know . And because of my first house , I got a grant , like the 5% grant , like the one where you only have to pay 5% . So I had like a bit of money that I thought I was spending but I didn't .
I had it sitting there against my variable loan , but you know , you still have that money there . And my passion for cans . I looked at cans . I was like I want to buy in cans because you know , and so let's , let's lean in on that .
You wanted to buy in cans because you know what were you thinking .
What talk us through , what the thought process thinking that maybe in the future , in the far future , will move there in my retirement . And , however , I have since learned in your podcast that you should not mix your , your purposes , like my emotions , to cans and my investment idea . So that's something I learned which I thought was eyeopening .
As well as that , you and I think I noticed that after the first house that even though I live in a house and I have a house and , like sea houses , I'm not an expert in houses I painfully noticed that with this house very lucky as well with that house that I'm just living in .
But basically I didn't want to do the repeat mistake of , like my previous investment , where I do things half baked , as in you had a good point of like if there is people that know what they're doing , why don't you give them money and tell ?
Let me tell you , the money that I gave to get that service didn't come lightly because , as you know , I consider my spending and it it had almost , but then I got so much back and that sounds like I'm advertising for you , but I actually am because I'm like talking to my colleagues and like give away your books that you sent me because I'm just so fascinated
like how easy it was in the end to get that second place .
So take us through that journey . What did you , what did you do to to make that decision that you thought , well , I only know so much . There are other people out there who know more , but you know there are spruickers . So how do I work out who's who's the good guys from the bad guys ? Yeah , and then to make that investment , because that's what it is .
It's a cost , but in theory it's an investment into , hopefully , your future , Right .
Oh , and you get so much back like you invest , but like you actually get back . So first of all , I get time back . That that's important one . But I had a set of money and I don't even know how much it was .
But I looked in cans and I could almost pay off like a little flat or rental , and in my head I couldn't find the answer to should I get like a house that's that I can pay off , and it just starts to generate money ? In my head that made the most sense and I couldn't understand why this is not the answer .
But then I was like surely it's too easy again too good to be true . So then I gained and engaged your services with Brandon . What is it called ? If I net , it's not financial advice , what is it ? Property planning property planning and basically that was one of the leading questions I had for him .
Like , look , I have this amount of money and I'm thinking of buying that . Do you think that's the right decision ? And he nodded , like you do right now and listen to me , and said you're in the right place . Let's have a second meeting .
And then in the second meeting we opened up like of like what the best strategies are , and he explained why it's probably not the best Capital growth , things like that and then also , obviously , with mixing the purposes , also not ideal . Long story short , he gave me another number and said this is like what you have and what you can kind of invest in .
And then we made a plan . The first plan was wealth and it told me get a house now and another one in 25 , or forgot what that was . But then he jumped to retirement and said to me this is your retirement like outcome , which was amazing . However , I'm currently single , no kids . What am I going to do with all these properties and all this money ?
And then he said well , there's a second option , which is the lifestyle option . I'm like no , I'm listening . So we reduced the properties and like reduced my work time , reduced the retirement age . That sounded attractive to me like a middle balance , because the outcome was still like very sufficient for my retirement , and so I think there was a third plan .
I annoyed him a little bit what if , what , if , what , if ? So he had to like , do , like a few plans for me and then , long story short , we went with the lifestyle one . What happened from then ? Tell us a bit more .
Okay , so lifestyle for you means because you , you , so you're currently full time employed , but you also have this altruistic , philanthropic side to you that you hinted at earlier in the episode . But you've got a charity that you , that you do on the side .
So how much did that come into your thinking and endeavors like that come into your thinking , based on the lifestyle that you're trying to create ?
Look if , if it was just solely up to me , I would just rescue dogs and have like a big shelter and just dedicate all my time to that . Side note , I was probably also not be happy because I wouldn't need that other stimulation . But that's just . The grass is green , all right . But I guess there is a middle ground .
And so there is a middle ground of doing part time corporate life and part time , you know , more charity work . And yes , I do want to like dial down my full time hours to maybe four days , to maybe three days and then kind of get the best of both worlds , maybe . So that was definitely a consideration , as well as retiring earlier .
And that one was tricky because you know how I only came like late to Australia , so my super is probably not as high as like other people's just because my I probably have some equivalent super in Germany . Not even we didn't even take that into account .
But yeah , so all in all , lifestyle plan meant for me that I could confidently now go ahead and buy the second house , knowing all the other milestones that I will probably hit if everything goes to plan . That make me happy . So it removes uncertainty . I guess that as a German that's great .
Well , if someone who also likes certainty in a lot of respects of your life , right , and I think that's probably the financial transformation story You've gone from uncertainty to now having line of sight . We've made the invisible visible to you . And that was my next question how did it make you feel ? What does that do for your confidence ?
What does that do for basically how you go about living your life , knowing that you've got all of these sort of elements , stress tested , because you're saying you saved three plans , but you did three scenarios and then settled on a final plan . You did everything we talk about , which is income protection , time and target .
So you sort of income expenditure , I should say . So you're playing with those levers . What do they look like ? What if I do a little bit of less work and do more of my contribution and meaningful work with my charity ? You know time and target . So how much time do we need ? What's the number ?
If I'm going to be single and you know power , power , woman , who's going to be able to ? You know what ? What does my number look like ? All of those things have been brought to the surface for you to make some consideration around that . So how did that make you feel ?
It would be cheesy , but like it feels that I'm empowered . But it is actually that word , you know , like it is . It makes me feel confident to go ahead and do whatever , like I can still spend right now , knowing that I have this investment property because I know in my final plan that it's all in there , so I won't lose my house . That was my mom always .
Like what happens if you lose that house ? That was a big question for me to Brandon Will I ever be in this major debt ? Like as an old of the sudden I can't pay it anymore . I don't know why that risk , yeah , so that risk is still live , but it's .
It's pretty small in terms of because of the way in which the markets operate and so forth , and volatility .
Exactly .
Residual property . But the risk is there , but , to your point , it's not as aggressive as day trading where you can lose it all very quickly .
It would play itself out over time and like anything you know , you know this is a long term plan that you put together for yourself that allows you choice of time and choice of things that you know you want to keep you busy , and really that's that's what life's all about .
It's about having enough money to do the things you want to do with the people you want to do them with . So you know , pretty powerful outcome for you there . Jazz .
Yeah , yeah . I guess one of the things I wanted to give back is when I bought this house and then I found I wanted to find renters and I said to the management company first my first thought I do it myself . But then again I listened to you , you shouldn't do that . But I told them , if you look for new tenants , my requirement is dogs .
They should have dogs , ideally to Greyhounds , but if not , then bigger dogs . I just wanted to give these people a chance that , like me , like you , have two dogs and you're put into this bucket of nah , not not like so they're like amazing . So unfortunately , my previous tenants that I had a dog .
They had to leave early and then we found another one and instead of them telling you , showing me the application first , what did they send me ?
Pitches of their dogs .
Yes , and I was like OK , approved .
Yeah , no job . Track record for tenet is appalling .
I'm going to turn it into a nice lab .
I've got dogs , so let them go . So obviously , tongue in cheek , that's obviously something that you're really , really , really passionate about , do you . Jess , do you feel comfortable telling our audience how many ? How many properties are in your plan to achieve this lifestyle that you're after ? How many investment properties you need ?
Just this one and the one that I already bought . But there's this thing that you were talking about when you start you want to do more and more and more and spend more and more and more , and that's where I am in my head . So I did call Daniel the other day and said look , could I buy another one ? He was crunching the numbers for me .
The reason I asked ? Because I did like a splurge , I did like a no-vated lease on a car that's coming on Friday . That wasn't in my plan , so Brandon will probably be annoyed with me , but I wanted to make sure that I can't buy another house before , which totally would be against my plan and everything would be ruined . So I'm actually glad it didn't work .
And it didn't work because the plan didn't accommodate for it , right ? So , yeah , so the two , is it the one and a half and the one that I'm having there ? There is one thing in the plan where I can upgrade this house .
Yes , yeah , I saw that in in 2025 . So that I think it's worth just pausing here for a sec . It's now broken the myth that you can hear the passion in your voice .
We'll get you to plug the charity shortly , but there's things that you love to do with your life and it can be done with your home and one investment property combined with the super albeit a late start into the super game , which kind of helps dispel the myth that you need plenty of these properties and you need to get yourself into an enormous amount of debt
. It's actually not true , is it ?
You set the North Star and you work towards it and you're actually experiencing what a lot of people experience because they then the idea of becoming a property investor can be quite daunting for people doing it for the first time , but then , once you get in the saddle and you get a bit of cadence up and all of a sudden you're going .
Actually , I think I might need to scratch the itch on whether or not I could do more , and it just becomes those four levers that we talked about in the first 20 episodes where , ok , well , it might mean that I have to push it out a bit further , it might mean I need to earn a bit more income or it might mean that I get a bit more in retirement or
I might not be able to have those four days that I want , but you get that choice . The plan isn't one and done .
You get to , you get to reflect and look at it and update it and as you get better information and as you grow and mature and have different thoughts , mature in your thinking I'm saying you have different thinking around what you actually want for your lifestyle design . You can actually tinker and play with that .
But I think I think the message here that I think that needs to be reinforced is one property Q in the rack can achieve what you want to achieve for the current plan that you have , and it's hopefully that's myth busting for a lot of people that are listening to this . So tell us about the charity Jazz .
It's I think it's clear it's a dog mission here , but tell us . Tell us about it and how you started it .
I didn't start it . My colleague did so . She's the founder of it . And then I adopted my girl . She's a Greyhound and just lots of passion for it because of the bad industry , the racing industry .
And then I learned because , as I said , from Germany , so I didn't quite know understand that there's this racing industry where people are just racing dogs and then when they're end of life not even end of life , end of race they discard them and back in the days they would just get rid of them somehow . These days they're trying to re hone them .
There's a big waiting list and our charity called Homeward Bunhounds . We are like a very small group of foster carers that take in discarded dogs , place them in foster care , get them used to pet life and then find loving families . And yeah , I'm , I'm pretty much like running that bit while also being a foster carer .
That's a beautiful message and it's a beautiful story , and I'm sure we'll put everything in the show notes in terms of how they can learn more about you . I'm assuming just for people in New South Wales , or is this for people in the state as well ?
How to we do interstate , we mainly do ACT and New South Wales OK , but there's always options . Like our volunteers are so passionate , we drive miles and miles to bring the right dog to the right family . Also fun fact one of the biggest reasons I wanted to get this house that I'm living in is for the girls . Fun fact guess where they are ?
Not in the yard , not spread out in this big house , no , just where I am in the office , in the dog bed . So greyhounds are really lazy , so they don't actually need that much space . I thought . I thought maybe I did want to run around in the garden , but you know they're greyhounds , they just laser out .
They're beautiful , got a beautiful mindset about them , a beautiful sort of behavioural element about them . So whippets or greys are a ripar type of dog . We've had them . Throughout the course of our friendships and family up at Yarrowonga , we've had lots of whippets and greyhounds and all those types of dogs .
So well done for you for being able to do that , hey , my final question relates to the more platform in terms of how you being able to use that . You've got here MoneySmart , yes , and LovingIt , and you're certainly using part of that .
So what value does having all of the information in one particular place give you when it comes to sort of managing your financials ?
It just accumulates all of the like everything that you put in . It just shows it , it brings it back to life in one graph or in one , one page , how I always say .
I mean , I've done this before in my very personal and tailored spreadsheet Excel spreadsheet but obviously that one is a lot easier because you just go in , and I always do it on the fourth of the month .
I don't know why , but like I just go in , update my numbers where I have to update them , and then it spits out all these numbers and , to be honest , month to month it doesn't even it doesn't mean that much . Month to month .
I hope that my savings go up in general , but like I think if you look at it yearly it makes a lot more sense , like you know , like how it grows . But yeah , it's this piece of mind for me as well , to just see that I'm not overspending . Yeah , sometimes October is always like big spending month for me with all the bills and stuff .
So I particularly look at that . As long as I'm not going backward , yeah , everything is fine .
Well , I mean , we all know that in some months some of our costs you know , like we've had other people on the summer series this this time around you know what was . I think it was January to May there's their big , you know sort of bills month where you've got some of those annual costs and all that .
Obviously , you can talk to your suppliers utility surprise and maybe get that annualized . Or you know insurance policies and premiums , car premiums , those types of things . But that's sometimes where it will feel like it's going backwards , but over the course of a 12 month period it's going to even itself out .
And I'm looking at the way in which you're , you know , organizing your finances and running your money . You are on fire in terms of being able to , you know , track that savings . It's a beautiful picture that I'm seeing inside your money smarts graphs and so forth . So an absolute credit to you .
You know , bryce and I , one of our big missions , you know , into what we're doing , is about eliminating spreadsheets and getting people into the 21st century in terms of what that looks like .
And this is going to be a great pathway for those types of things to happen Our card view and all the way in which we're sort of organizing things and you know as apps and historical tracking and all those types of things as well are going to be an enormous addition to how people can organize and see their financial position over time .
So you know , as being someone who plays in this space professionally , to also love what we are putting out there to be able to help people is it's warms my heart to know that you know we're doing something right in terms of the value that we're providing and I really appreciate that that you're loving the tool that we put out there .
Absolutely .
Hey , jazz , as I head for home to , there's a couple of things that I want to round out with you . With you , the theme of the summer series is what money means to you , and you've said lifestyle choices . I think we sort of talk to that . You just said peace of mind , and that was a big one for you Freedom and choice to do what I want to do .
I feel like your life up until this point has had lots of elements of that , so it just feels like the money just gets you to further reinforce what's really , really important to you . So I just pause for effect . Is there anything on any of those that you want to lean in on ? Or do you feel like we've covered that ?
Because money doesn't necessarily just mean materialism for people You've said that throughout this conversation , but it's around experiences and just giving you a sense of security and peace . Anything you'd like to add to that ?
No , I think you summarise it really well . As I said , I'm not materialistic . I'm absolutely grateful , like I'm very grateful that I'm in the position that I am . I must say that because it's not everyone has that privilege . Also , not everyone has the privilege to know about money that way . So I think I'm spreading the news .
Definitely , I'm trying to help people understand of investment and best choices as well , but I also realise that people need to understand that themselves first . It's almost like quitting smoking . Like you can't tell a smoker to quit smoking . They need to be on the pathway to do it and then you can help them . Does that make sense ?
Like so I came to this conclusion .
Correct .
Yeah .
Which as my final question . You may have already answered it , but I'll just lean in just to check in . But lots of people want to actually come and tell their story on the Summer Series but something blocks them from putting their hand up , from doing it right . But you didn't .
You put your hand up and you came on and you're vulnerable and sharing some of your stuff . So what is the message ? If someone's listening to this , several thousand people are going to hear your message . What do you reckon is the thing that inspired you the most to come on and share your story ?
That you want them to hear about all of your experiences to date and the way that you've set up your finances going forward ?
Well , you keep on saying that people , they share their stories and the person themselves , they feel it's a boring story , like there's nothing to value it . And you kept on saying your story is probably not boring . And then I reflected on all the questions that you always asked and like , oh , maybe people can learn from it . Or like , get inspiration from it .
You don't have to have a partner and two kids and two full-time jobs to have a house and maybe even an investment property . Like , you can do it on your own , like me as a single lady .
And I think one of the blocker for me was to actually go on your website and put my story down , because I always listen to your podcast in the car going to work and back . And so I was like I want to do it Now I want to do it , and I come home and things got in the way . So next time , just do it .
Next time , when you like think that , like just jump on the laptop and write it down . So that's what I did , like I literally just did it last week because I listened to you so often saying it and I'm like I really want to do it . But then you know , I'm like I really want to do it , but then yeah , mr Bolton .
I'm so glad you did . There's just so much fascinating about your story . It's just fun I love . I'll never get sick of it , but just the variety and the way you back yourself in and the stuff that you try .
And now you're you know your corporate life and then your charity life and just being a I guess , a poster person for people who are your demographic , who can go . Hey , yeah , all right , there's some stuff there that I can lean into as well . So well done .
Super courageous , super , super interesting and I promise you it's not boring , and I promise anyone who's listening to this , who probably had similar thoughts going , I didn't fill out the form because I felt like my story was too boring . I promise you , every single person who comes on bit comes on .
We push , we let him into our online world here and we start talking . They say I'm really nervous and I'm not sure that there's anything I need to that I can share . And then , lo and behold , here we are , some , you know , hour later and there's no gets of wisdom . Just keep dropping . So well done , jazz .
Thank you for thank you for putting your hand up , thank you for doing that , thank you for being so brave and , on behalf of everyone here , probably couch . Thank you for sharing your story .
Thanks , Jazz .
Have a good morning . Thank you Okay .
That cool story was that , ben , there's one thing you can say about Jazz is you can . She's never going to die . Wondering from from dive instructor to the Great Barrier Reef , to cans , to day trading , to helping a charity with dogs .
I mean , she doesn't have the grass growing to her feet If it is to be . It's up to me is Jasmine story , and you know I quite like what she talked about . You know she's got a lot of obviously comprehension and understanding about her mindset as well .
So she's worked out that she had some sort of financial stability with her grandparents there in the triangle she talked about with her great mom , you know , teaching her how to work for it , and that that really nice habits around saving money and that adventurous sort of enjoy life aspect on there and the final part of the triangle there with her dad .
And so you know this is a this is a well lived life year to date . But it's also a story that's got huge upside in it .
You know I'm certainly really , you know , in , you know , empowered by what , what jazz has been able to achieve and her willingness to to take calculated risks in terms of how she was problem solving and then sort of starting to get in that sequential order .
But you know the other , I think , point that she recognised that even with her knowledge at a certain level , she's also gone to seek some professional advice as part of that particular story .
Maybe losing all of that money in they trading might have , you know , sort of stimulated that a little bit there , but I'm certainly super , you know , acknowledging the great achievement that she's done so far and and all the contribution that she's also doing in terms of the work she does with a greyhound charity as well . So just just an incredible story .
Yeah , for me , the big takeaway from jazz's story is what tenacity looks like and what resourcefulness looks like Right . So she was able to show both of those traits and now you can see that she's built a property portfolio . You know you require one for her to get lifestyle by design .
So that's just the power of having the clarity of knowing what you want , when you want it and how much you need to get that , because not everyone is aspiring to an enormous amount of financial resources . Ben , in jazz's time , she wants a time , she wants the ability .
She's got a big heart , so she wants the ability to do things that really fulfil her heart , but clearly has a mind that needs to be ticking over as well . So clearly is very clear on what what is important to her . But she describes her mum as responsible and a power woman .
I think the fruit doesn't fall far from the tree , because I think that that would be an ample description of jazz also .
Well , she knows now , through the planning , become what you plan to become . She's looking at early independence , early financial piece . I've circled one of the words that I've written down here , which is drive , and so she has got this internal drive and she does need to be stimulated .
So stimulation is another thing that I also wrote down when she was talking and I'm like , if this is not a message for the new year , I don't know what it is like having jazz as part of the new year celebrations and how excited we were at the start of the show . Because this is what we're trying to do .
We're trying to make sure our community and what better time to think about this than the start of a new financial year Start thinking about your goal setting . You know , start thinking about your my goals , jump on the more platform , get those done . But I did put a challenge out there last week's episode , bryce .
I did say I want to put a challenge out there to all of the groups of friends who potentially might need the support of the network .
You don't have to get professional help , but you need people who are on your side and who can help you with staying true to the vision and the opportunity you got in front of you and that's why I'm putting the challenge out there that we you know the idea we had last week the surplus challenge .
So when you are thinking about your goals for the year , I want you to also think about how much to Bryce's point . He said , what's the summer series all about ? It's trapping the money . Spend less than you earn . Well , just how much can you trap ? How much can you focus in on essential versus discretionary spending ?
And there is no better tool for this challenge that I'm putting out there than the money fit tool inside the more platform . What can it do for you ?
Well , you can compare yourself against your peers , so you can get your age profile and your location profile and you can compare what you are saving compared to all of the other people that are using the platform . So there'll be thousands and tens of thousands of people use the platform now . Use more .
But what you're also going to be able to do is show you can have a national look , you can have a state look , all anonymized data , so we're not giving away your personal information here , but you will then be able to see in the histogram graphic that we've got there , what percentage profile . Do you sit in in terms of the surplus that you're saving ?
Put that challenge out to you . That is our challenge for January in terms of getting yourself set up for success is to work out how much you want to spend for the year that aligns to your personal goals , that aligns to the financial contribution that you want to make to building wealth for tomorrow , and then put it out there .
And put that challenge out there with your friends . You know . Do it as a group . There's no . This is not about judgment . This is not about what's happened in the past . This is about going forward and this is about making that important change that you need to make . So the challenges out there . Bryce , what is your annual surplus ?
Go and check it out by using the money fit tool on more .
Do you remember when I was talking about the life hacks pen ? It was the Okinawa people in Japan and they had create the Moai M-O-A-I-S Moai . What you're saying is , create your own little Moai around your peeps . And because it actually gives you longevity , folks , it's going to actually help you grow as a community . But I think you're right there , ben .
Some people don't like to compare how much I earn , what are my assets . Well , why don't you just compare how much surplus you got ? And that's a pretty safe way to compare with your friends and create that little Moai as well .
And whilst you're at it , ben , there's been a whole bunch of releases in more which we think take that platform to another level , for free for people to use those cards . So we have got so much that we still want to achieve with that platform in 2024 . And we're really excited about what that looks like .
Yeah , look , I mean we have some .
We have a major upgrade release coming in a matter of weeks , so I don't want to give too much away , but I can promise you that the reward that you will get out of putting your financial information inside the platform of Moai is that you will start to see some insights and some also opportunities , where we're on this mission to be able to give you greater
understanding of your numbers , which then allows you to give you greater opportunities . So Bryce talks about obviously , you know , spend less than you earn and then you know , with the difference invested , we want your money to work harder for you . That's the mission we're on in terms of helping you with this platform . So more is more is there for you .
To Bryce's point , it's free to download . You can get it on a web or also on the mobile version . The money fit tool , money stretch tool , are just on the , on the browser , the cloud version of it . They're not necessarily well , they're not on the , on the mobile version of that , but obviously money smarts and all of those are well .
Speed , wealth , clock , all of those other tools that we built are also available on the mobile version as well . So why not check it out . Obviously , it's just about which which window you go into , the particular platform or your data restored securely in one database , so that's ultimately available to you as well .
So challenges out there , bryce the challenges out there .
My all the links to all of what you just talked about are in the show description , so click on that , folks . But , jazz , thank you for helping us kick off 2024 with a bang . It was an incredible story . We loved chatting with with you . We hope that you've inspired an often marginalized group of people , which is the single females .
We get that feedback all the time , ben , which was one of the reasons we were super excited to have Jazz , so she could talk specifically to that lane , and , of course , her story is inspiring for people outside of that lane as well .
So , folks , we hope that acts as inspiration to everyone and thank you for being so brave and coming on and sharing your story with us today , jazz . But then we got more . Where that comes from ? Summer series is not done .
We are going all the way through January whilst folks are currently camping in caravans , taking breaks , sipping more pina coladas than they do at any other time of the year All that sort of fun stuff that summer brings , mate . But we are excited to bring more stories , but until next week , just remember .
Bryce , knowledge is empowering , but only if you act on it , just like Jasmine did . Come on , is 2024 your year for action ?
We hope so 2024 , your year for action , sounds good . All right , folks , we will see you next week . Happy new year . Hey folks . Bryce here again . I just wanted to catch you real quick before you go .
If you're new to our community , I want to encourage you to listen to our very first 20 episodes , as the concepts we share in EPS 1 through 20 are foundational principles , pillars and frameworks that you need to know for you to get the best value from our content week to week on our show . My little tip is to listen to it at one and a half speed .
Now , for those of you that are time poor and don't have the option to go back to the beginning , don't worry , because we've got you covered as well . We've created a binge guide that summarized these foundational episodes into one easy to digest booklet so that you can get up to speed super fast .
So go to the show description on whatever device you're listening to now and simply click on the first 20 episodes link to download it straight away .
Oh and , by the way , whilst you're there , you'll find a few extra goodies for you , including a link to download our lifestyle by design app more , the home of wealth speed and wealth clock , and our hugely popular MoneySmart's money management system , as well as how to get free copies of our bestselling books .
Now , just a reminder that anything we cover on this podcast is not considered to be financial advice , and we certainly recommend that you seek out expert advice tailored to your unique circumstances , and everything we talk about is general in nature .
Folks , I want to encourage you again to click on the show description , wherever you are listening , to access all the free goodies we have for you Until next week .