I expect we have many similarities. I have studied, worked, travelled, invested—much like many of you have or will. But we will also be different. Along the way, many influences shaped me and my thoughts, making this my journey and no one else’s.

I decided early on I wanted more time for me.

The Beginning

Shout out to my Mum and Dad for my childhood, I bloody loved it! I never went without—I had a great education and got to experience all the good things—holidays, family time, freedom and sport.

Good grades out of high school got me into a competitive four-year university course in the health care space—where at 17, I thought I knew what I wanted to be—then bam, one year in and it wasn’t for me. The feeling was strong and clear. I felt trapped, pigeonholed, cornered—but not knowing much else about life and work, I finished what I started.

Money

As a university student, I never knew what the Bank ATM (cash machine) might hold— it was always a game of chance whether it produced some notes for me or not. The balance in my account dictated my weekend adventures and that was all I knew. 

“I knew money had its own language, and I needed to learn it to achieve my goals.”

It was during these years that I met my future wife who, aside from being awesome, quietly showed me another way. Talk about taking control. I took notice. I knew I needed to understand money, so I sought out people who knew more than me. I knew money had its own language, and I needed to learn it to achieve my goals. I was also learning about the relationship between time and money—so began exploring income streams that did not involve selling my time.

Goals, Investments And Travel

One of our joint goals was to one day work on our own terms—less hours, more lifestyle. Yep, we wrote that down. 

” This is where travel and achieving financial goals doesn’t need to be exclusive.”

Our first step was to build a property portfolio with a passive income, but we wanted to travel. This is where travel and achieving financial goals doesn’t need to be exclusive. We were living overseas and our income was higher than our expenses so we could still invest. We discovered the UK property ecosystem to be very different to Australia in a good way—we saw amazing potential to generate positive cashflow from property.

We got ourselves educated—there were books, seminars, builders and accountants to learn from. We bought our first UK property with loads of apprehension but once we got comfortable with the process, we bought another one, then another one, then another one.

This is the stuff you read about in books and wonder if it is possible. We bought. We held. We sold a few when it made sense. We still have some today, generating an income. Giving us time. 

Business

Returning to Australia saw the career change that was 10 years in the making. I had knowledge gaps to fill so I returned to university and completed my Masters (MBA). This strengthened my financial literacy and provided a competitive advantage in the industry I was looking to enter.

” I made a choice between selling time or leveraging something other than time and I chose leverage.”

I wanted to be efficient with my time at work and win back some time at home. I made a choice between selling time or leveraging something other than time and I chose leverage.

I was intrigued by the mortgage broking industry and saw great potential for passive income opportunities.

Was my health care career wasted? I like to think not because so many skills were transferable. Being in that industry taught me:

• how to manage, read and empower people,
• how to communicate with stakeholders, and
• how to work hard, really hard.

Mortgage broking added additional spokes to my wheel. It taught me:

• how to leverage income against something other than my time,
• how to grow a passive income, and
• how to build an asset worth something.

I started out in finance in 2008. It has been a blast. I have built a business and, in the process, have won my time back. I now have time to write. So here I am, demystifying banks and lending, and empowering people with the best tool of all—knowledge.

Understanding money doesn’t have to be intimidating. This website is all about taking back control.

If you have read this far. Thank you. Here is a little gift from me to you.

I wrote an eBook on all the strategies I have seen ‘regular borrowers’ pay of their home loans – in less than 10 years….