Money Mentor™ is Australia's home of financial transformation. Hosted by Graeme Holm and Rachael Howlett, each episode shares the real stories of everyday Australians paying off debt faster, building wealth and creating financial freedom by thinking differently about money. Through inspiring client
Before joining Infinity, Ayaan was a sceptic. Today, she’s an Infinity Finance Strategist applying the same principles she helps clients with to her own money. The result? She’s bought her first home, purchased two investment properties and paid $220,000 off her mortgage in less than 2 years. In this episode, Ayaan shares what changed, what she’s learned working inside Infinity and how it transformed her own finances. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #Mortgage #PersonalFinance #PropertyInvesting
After Perry was diagnosed with cancer, he and Shae faced financial hardship and a $9,000 car repair they couldn’t afford. They felt financially, physically and emotionally broken. 1 year later, they've taken $110,000 off their home loan, transformed a 27-year mortgage trajectory and bought investment properties. This is the story of what changed, the money habits they had to leave behind and how they rebuilt their financial future. Want to improve your own financial future? Our free webinar is where to start: 👉https://bit.ly/43V2jKN #Mortgage #PersonalFinance #PropertyInvesting
At 45, Ben had more than 20 years left on his mortgage and was starting to think seriously about retirement. He thought he was good with money, but had no budget, had previously written off buying an investment property and didn’t want to reach 67 with nothing to show for it. Now his mortgage strategy looks very different, he owns an investment property and he’s seeing what could be possible over the next few years. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #Mortgage #PropertyInvesting #PersonalFinance
Kate & Michael reached a point where something had to change. Their answer was drastic, they sold everything. In this episode, they share the story behind that decision, what led them to completely rethink their financial direction and what happened when they decided to approach money differently. See the choices they made, the lessons they learned along the way and how their outlook on their financial future changed. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #ChangingLivesPodcast #FinancialFreedom #MoneyJourney
A tenant stopped paying rent for 18 months while Thierry raised 3 kids alone, paid for somewhere else to live and fell behind on his mortgage. His family urged him to sell. He wanted to keep the home he’d worked for since 17. Thierry shares how refinancing, budgeting and a different approach to money helped him change direction, and why working harder hadn’t been enough. Want to improve your own financial future? Our free webinar is where to start: 👉https://bit.ly/43V2jKN #Mortgage #SingleDad #PropertyInvestment
Even Australia’s boom property markets are recording falling house prices, but could higher interest rates tell only part of the story? Dr Andrew Wilson examines the September housing data, the RBA outlook and mortgage pressures, revealing why housing shortages and early signs of a spring revival deserve a closer look. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #AustralianProperty #InterestRates #HousingMarket
After 22 years of home ownership, Andrew & Angela still had more than 20 years left on their mortgage. Then a costly property regret forced them to rethink how they approached money, debt and investing. See how their financial direction changed, what happened next and why they now describe themselves as financially free despite still having mortgages. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #ChangingLivesPodcast #MortgageFreeJourney #FinancialFreedom
Jodie and Matt took on a $1.2 million mortgage, then found a plan to pay it off in 10 years and 7 months. Jodie and Matt had just taken on a $1.2 million mortgage, plus a handful of advisors who never talked to each other and left the big calls to a couple who felt out of their depth. In their first 90 days with Infinity they refinanced, found an extra $100,000 in equity, bought a 2nd investment property, and cleared a car lease and a credit card debt. Their own numbers showed the mortgage could be gone in 10 years and 7 months instead of 30, saving them close to $1.2 million in interest. 90…
After 22 years in the military, Anthony was still renting. 10 months later, he owns 4 properties. After 22 years in defence, Anthony always thought he was doing well with money. He wasn't. He was renting, holding onto 1 investment property, and every dollar that came in went straight back out. In just 10 months with Infinity, he bought his own home for $660,000, built $40,000 in redraw in around 6 months, and added 3 investment properties along the way. His home loan is now forecast to be gone in 3 years and 4 months. He's doing it all for his 15 year old son, the reason he says he can't…
Elly and Taryn work at Infinity Group and used the same strategy as other clients to buy 3 properties. Elly was a teacher paying $700 a week in rent on her own, and driving a novated lease car that cost her more than it saved. Taryn was 27 and renting, sure that buying alone was years away. Both used the same playbook Infinity clients follow. Elly sold her car, did Uber Eats at night, and 2 years on, owns 2 investment properties which have gone up $200,000 in equity. Taryn's parents went guarantor on her first place, and she's already paid off $10,000 since January. Want to improve your own…
Jacinta and Josh were staring down a 30 year mortgage. In just over a year they cut it to 6. Jacinta and Josh bought their first apartment at 23, paid the minimum for 7 years, and only chipped $90k off it. Strata issues forced a sale during Jacinta's maternity leave, and they moved in with family for 10 months to save for round 2, a $899k, 30 year home loan. They found Infinity searching for an Australian version of Dave Ramsey. On their own they'd already pulled their timeline down to 19 years. With the debt reduction plan it dropped to 6 years and 7 months, and their balance has already…
13 years together, no joint account, constant fights about money. 90 days later, they are $58,000 ahead. Sam and Britt had been together 13 years and never once talked about money, no joint account, just the same quiet arguments coming back around. Britt saved without trying. Sam maxed out a $1,000 credit card and thought nothing of it. After a year of watching from a distance, they finally joined Infinity in April and found out their two properties had been cross securitised the whole time. Ninety days in, Britt has saved money for the first time in her life, they are already $58,000 ahead…
Kirsty and Jake weren't broke, they were comfortable. Comfortable still left 13 years on the mortgage. Kirsty has worked in real estate since she was 17 and was terrified of investing in property. Jake runs a waste business and watched Infinity Group for nearly 2 years before he said anything. From the outside they looked sorted, no credit cards, no debt apart from the house, bills always paid. Kirsty says it was comfortable, but it wasn't right, and neither of them knew how to fix it. In under 12 months they have taken just under $150,000 off their home loan and bought four investment…
Sean and Monique were told no for 3 years. 90 days in, almost $30,000 is off their mortgage. Sean and Monique had spent years asking for help with their money and hearing no from everyone, financial advisors included. When Infinity said not yet back in 2023, they took it personally and went to work. The 3 years that followed were brutal. The business dried up after Covid, they lost a pregnancy two weeks before Christmas, a tornado cut their power for a fortnight, and they separated for a week to work out what they actually wanted. They came back, signed up in April, and two sweeps later…
Benji and Cherry had $1 million sitting in the bank and a $750,000 mortgage they never paid off. They weren't struggling, and that was the problem. The cash sat there earning interest they were taxed on while they kept paying interest on the home loan, and Cherry was sceptical of Infinity from the start, convinced anything that sounded this good had a catch in it. What changed her mind was seeing their super broken down and realising what retirement would actually look like if they carried on exactly as they were. In this episode they talk about paying the home loan off straight away, why…
In their 50s, Brad and Fiona paid $45,000 to the bank in a year, but less than $10,000 came off their home loan. Their mortgage had kept creeping up, and they knew they needed a plan for retirement. After looking closer, they realised they had paid $45,000 to the bank in one year while reducing their loan by less than $10,000. After watching the free webinar and completing the masterclass, they saw a potential path to pay off their home loan in less than 5 years. Now, just 90 days in, the future feels very different. Want to improve your own financial future? Our free webinar is where to…
Clare thought the age gap meant she'd have to work long after Stewart retired. 2 years on, that's changed. Clare and Stewart started with an $855,000 home loan, a credit card maxed out at $12,000 most months, and repayments that barely dented what they owed. Because of the age gap between them, Clare had quietly made peace with being the one still working long after Stewart stopped, funding a retirement that wasn't hers yet. A free webinar during a storm on holiday cracked that open, though she spent the next six months convinced it might be a scam. Two years on, their mortgage term has gone…
Jim Chalmers says you'll "get over" the broken tax promise, but Sydney rents just hit $900 a week. This month we unpack Chalmers' admission that Labor broke its negative gearing and capital gains tax promise, and what "you'll get over it" actually means for renters and investors. We cover the case for capping migration to housing supply, why first home buyer loan applications are down 19% while rents keep climbing, and the RBA's rate hold despite underlying inflation sitting at its highest level in years. Then the full data deep-dive: Sydney's price slump versus Brisbane and Perth's building…
Darrel and Andrea paid off $9,000 in a year. In their first 90 days with Infinity, they paid off $17,000. For years, Darrel and Andrea felt like they were doing everything right, paying the loan, saving, refinancing, and still going nowhere. When they finally sat down and ran the numbers, they were blown away to learn they'd been losing $200 a week without realising it, and admit they kicked themselves for waiting two years to find out. In their first 90 days, they paid off $17,000, almost double the $9,000 they'd managed in the whole year before. They've since bought their first investment…
Woody and Natalie were in their 50s with an $800,000 mortgage, and the plan was to use super to clear it. Good jobs, no debt except the home loan, and no real plan beyond the status quo. The retirement plan was to use super to pay off the mortgage and downsize, and it never sat right with Woody. There had to be a better way. They talk about the light bulb moment that interest is calculated daily, the savings account they were holding while owing $800,000, and the slush fund Woody quietly ran for years. Less than two years later the loan sits at about $630,000, and Woody rang the bank because…
Kelly turned 50 last year with $666,000 still owing, and it started to feel like they had left it too late. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN After more than 20 years working at CommBank, the only advice she had ever heard was to pay the minimum. Retirement had started playing on her mind and she had no confidence in what was waiting. Rubes had been at her about Infinity for around 18 months, but she quit the first webinar half an hour in. 90 days later, they are sitting roughly $18,000 ahead. In the whole of the previous…
Gemma and Toby were comfortable. Good jobs, a house they'd built on ten acres, a $425,000 mortgage they weren't losing sleep over, which is exactly why doing nothing felt so easy. Then Gemma sat through a free webinar, decided to test what she'd heard about credit cards, and closed hers from the front seat of her car. They talk through the declined card that changed how she spends, Toby's scepticism right through the first strategy meeting, and what a 30-year loan looks like now, with three investment properties, a wedding in Tassie and four months at home with their son. Want to improve…
Everyone told Vince and Carmela they were lucky. Seven years on a 1.99% loan, they'd paid off $7,000. Want to improve your own financial future? Our free webinar is where to start👉 https://bit.ly/43V2jKN Vince and Carmela met at 19, built their dream home, and spent the next thirty years refinancing it, so many times Vince has lost count. Credit cards were the safety net. One Christmas Eve they bought the kids $1.99 toys off a 7-Eleven rack. Seven years on a fixed 1.99% rate took their loan from $216,000 to $210,000. Six months after joining Infinity Group it's at $173,000, and Vince has…
They thought they were doing everything right, until they realised how much longer they'd be paying off their mortgage. This honest conversation follows the moment everything changed, from scepticism and uncertainty to a clear financial plan with a goal they never thought was possible. 👉 If this story resonates with you and you want to start setting yourself up for financial freedom, it all starts with our free webinar: https://bit.ly/43V2jKN Before joining Infinity, Joanne and Ray had a family home, an investment property and money sitting in offset, but they still felt unsure whether they…
Before reaching 90 days with Infinity, Sam and Brad had paid off a personal loan, reduced their mortgage by $17,000 and purchased two investment properties in one week. 👉 If their financial journey resonates with you and you want to start setting yourself up for financial freedom, it all starts with our free webinar: https://bit.ly/43V2jKN Before Infinity, their money was spread across eight accounts. They had a $445,000 mortgage, $25,000 in debt and could not understand why their hard work was not helping them get ahead. With Brad frequently working away and their children potentially…
This month's Wilson Monthly Market Update kicks off with a hard look at the Prime Minister's recent comments on negative gearing reform — and why the reasoning behind restricting it to one or two properties doesn't match how Australian tax law actually works. From there, the conversation moves into what's shaping up to be one of the biggest questions facing renters and investors alike: as investors exit the market ahead of new taxation changes, what happens to an already undersupplied rental market?The episode also breaks down the government's expanded Help to Buy scheme and asks whether…
In this episode of "The Money Mentor," Rachael sits down with Luke and Kellie - and this one carries an important warning for anyone who has ever placed their trust in the wrong hands. In 2017, they did everything by the book - hired a financial planner and followed professional advice to the letter. They were advised to sell their house and ‘rentvest’. Years later, sick of renting and moving multiple times they realised they wanted stability for their children and a home of their own. They had solid careers, worked hard, but with a new home and large mortgage, they still felt they could…
In this episode of "The Money Mentor," Podcast Rachael sits down with Kale and Grace - and if you are young and wondering whether now is the right time to get serious about money, this episode is for you. At twenty-six and twenty seven, they had done something many their age only talk about - they got into the property market. But six months in, with a sizeable mortgage, almost nothing in savings, a wedding on the horizon, and a social circle with very different priorities, anxiety started to creep in. They looked around and found nobody in their world having the same conversation. Then they…
In this episode of "The Money Mentor," G sits down with Liv and Jamie, and this one is a lot of fun - full of honesty, humour and some damn good advice. Liv and Jamie are two youngbusiness owners who have been on a wild ride since they found Infinity sixteen months ago. From the outside, their lavish lifestyle looked picture perfect. But their business books told a different story, and the numbers were scary.Over $627,000 in bad debt and a $155,000 overdraft maxed to the limit, the couple felt caught in quicksand with no way out. They had no common goals, no transparency and communication…
In this episode of "The Money Mentor," Donovan and Steph join Rachel for an unfiltered conversation - honest, funny, and at times hilarious - and above all, inspiring. Before settling down, they were free-spirited travellers who lived well and spent freely - and when kids came along, the habits didn't change much. After fifteen years of strong FIFO income, they had very little to show for it. What nagged at Donovan was watching his own parents fall back into mortgage debt in their fifties - he knew he wanted to build security for his family's financial future but had no idea where to start.…
About Money Mentor Podcast™
Money Mentor™ is Australia's home of financial transformation. Hosted by Graeme Holm and Rachael Howlett, each episode shares the real stories of everyday Australians paying off debt faster, building wealth and creating financial freedom by thinking differently about money. Through inspiring client
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