Wealth Coffee Chats

Opportunities don’t wait—and neither should your property investing plan. This episode unpacks why being “ready” matters, how delays can quietly stall your portfolio growth, and what to do when a deal (like house-and-land) keeps getting pushed back. You’ll learn practical ways to review your position, access equity, and pivot with a smarter wealth strategy—without sacrificing lifestyle. A must-wat...

What will 2026 bring for interest rates, inflation, and mortgage strategy? This Finance Friday episode breaks down recent inflation and consumer spending signals, why some lenders are lifting fixed rates, and what that may imply for the next RBA move. You’ll also get three practical finance goals for the year—getting into the property market, leveraging equity, and paying down bad debt faster usin...

Most investors start with trial-and-error—buying close to home, hoping for growth, and getting caught out by cashflow surprises. This episode breaks down what a property investment coach actually does: building a tailored property investing strategy, stress-testing finance and buffers, and helping you make smarter decisions with data (not emotion). You’ll also learn why “time in the market” isn’t...

Why are hot cross buns on supermarket shelves in January? And more importantly, what does that have to do with your property portfolio? In this episode of Wealth Coffee Chats, Property Investment Advisor Emily Miller dives deep into the psychology behind why we make (or delay) financial decisions. Drawing on concepts from Anna Lembke’s best-selling book Dopamine Nation, Emily explains why modern s...

Waiting feels safe — but in property investing, inaction can be the most expensive decision of all. This episode unpacks the true financial and emotional cost of waiting, how inflation quietly erodes your wealth, and why momentum matters more than perfect timing. Learn how smart action, education, and strategy can help you build long-term wealth and income-producing assets. A powerful mindset shif...

With interest rates on hold and lenders tightening policies, many investors are wondering what 2026 really looks like. This episode breaks down the RBA’s latest decision, DTI changes, and what they mean for property investing and borrowing power. You’ll also learn simple, practical budgeting strategies and Christmas money hacks to protect your cash flow. A must-watch for anyone focused on smarter...

In this final Wealth Coffee Chats episode for 2025, we take stock of the year that was—from RBA rate decisions to ATO warnings for self-employed professionals. Discover how key global markets performed, why alternative assets had a mixed year, and what changes could impact your business structure in 2026. Plus, we explore the growing ATO scrutiny on income distribution for self-employed individual...

In this Tax Tuesday edition of Wealth Coffee Chats, Kim Wolfenden from Positive Tax Solutions walks property investors through the essential record-keeping strategies to take the stress out of tax time.

Is it possible to build a multi-million dollar property portfolio starting with 100% debt? In this episode of Wealth Coffee Chats, Property Coach Megan Wolfenden breaks down a real-life case study of a couple who achieved "1% Club" status (owning 3+ investment properties) in just 7.5 years. Megan walks through the exact numbers behind three specific purchases: a high-yielding apartment in Canberra...

Move over Spotify Wrapped... it’s time for your 2025 Finance Wrapped! 🏠💰 In this episode of Wealth Coffee Chats, Jason Whitton is joined by Sarah from the Positive Money team to break down the massive numbers from the last 12 months. From record-breaking property sales to the long-awaited interest rate cuts, we cover exactly what Australian investors got up to in 2025. Did your state come out on...

Thinking about working with a financial advisor but not sure what the process looks like? In this episode of Wealth Coffee Chats, we walk through the full journey—from your first conversation to your personalised Game Plan. Learn how the discovery, strategy development, and implementation phases work together to build your financial roadmap. A must-watch for anyone planning long-term wealth strate...

Landlord insurance can be the difference between a minor setback and a major financial loss—but too many investors still get it wrong. In this episode, we break down 5 critical tips for choosing and managing your policy. From understanding exclusions to avoiding the “cheapest” trap, this is a must-watch for any property investor looking to protect their portfolio and cash flow. Perfect for those f...

Confused about what property expenses are tax deductible before your investment home is built? This episode clears up the rules around interest, council rates, and holding costs for house and land packages—especially what changed after the 2019 ATO ruling. Learn the key tax distinctions between land and construction loans, and how to avoid common deduction mistakes. Essential insights for anyone b...

What can the world’s most famous board game teach you about real-world property investing? In this episode, we unpack powerful wealth lessons hidden inside Monopoly and how they apply to building a successful portfolio. From buying strategically to staying in the game, reinvesting for growth, and managing emotions, this breakdown turns a classic family game into a modern investing masterclass. Per...

Are 2026 lending changes really going to derail your property investing strategy? In this episode of Wealth Coffee Chats, we unpack the truth behind the new Debt-to-Income (DTI) caps and recent trust lending policy shifts. Discover what these changes actually mean for borrowing power, property finance, and investor lending. Don’t let clickbait headlines stop your wealth-building momentum—get the f...

Inflation is heating up again—and investors need to pay attention. In this episode of Wealth Coffee Chats, Alex Nakonechnyy breaks down the latest 3.8% inflation jump and what it could mean for interest rates, mortgages, superannuation, and property markets heading into 2026.

Is tightening rental affordability just media noise—or a genuine warning sign for investors and landlords? Cass Sjostedt dives into real market data, rent-to-income ratios, and PropTrack insights to uncover whether we’re heading toward greater investor opportunity or rental market pressure. In this episode of Wealth Coffee Chats, Cass shares: • Rental stress insights across Perth, QLD, and regiona...

The controversial Div 296 Super Tax is changing — but not going away. In this Tax Tuesday update, Anthony Wolfenden from Positive Tax explains what’s now on the table, how it impacts balances over $3 million, and why the government’s approach could affect every superannuation fund holder, not just the wealthy. Learn what’s changed, what’s still a concern, and what it means for your long-term finan...

In this powerful mindset-focused episode, Emily Miller explores the psychology behind why so many property investors delay decisions, hesitate in growth markets, or hold on to poor-performing assets. Drawing from Nobel Prize-winning Prospect Theory by Kahneman and Tversky, Emily breaks down the 4 key psychological behaviours that influence how we perceive risk, loss, and opportunity — and how thes...

In this Finance Friday Wealth Coffee Chat, mortgage broker Cang shares urgent insights for anyone needing finance before the Christmas break. With lender turnaround times slowing and office closures looming, now is the time to act. Cang outlines exactly what documents you need, key application deadlines, and a powerful refinance strategy that could reduce your interest rate — even without full inc...

In today’s Wealth Coffee Chats, Senior Financial Adviser Alex Nakonechnyy breaks down what’s driving recent volatility across the ASX, US stocks, crypto, and gold. Plus, he dives into ASIC’s new findings on the growth of Self-Managed Super Funds (SMSFs), which now hold 25% of Australia’s total super assets. Thinking of using your super to invest in property? This episode unpacks the compliance ris...

The first 100 days after settling an investment property can make or break your experience as a landlord. In this episode of Wealth Coffee Chats, Cass Sjostedt shares the essential planning, budgeting, and setup strategies that help investors avoid costly mistakes, reduce vacancy, and maintain cash flow. From buffers and inspections to insurance and marketing, this is your checklist for a smooth a...

Big changes are coming for Australian employers. In this episode of Wealth Coffee Chats, we break down the new Payday Super legislation, which takes effect from 1 July 2026. Daniel explains how this law impacts payroll timing, super contributions, cash flow, and compliance — and what business owners must do now to avoid costly penalties. If you're a business owner, investor, or employer, this is e...

Should you buy a positively geared property or chase capital growth? In this episode, we break down the real numbers behind two investment strategies — one focused on cash flow, the other on long-term growth. Using side-by-side examples, Bob reveals how small weekly sacrifices in negative cash flow can potentially add millions to your portfolio over time. If you're serious about wealth building, t...

Want to access equity faster and avoid constant refinancing? In this episode of Wealth Coffee Chats, we break down the Master Limit structure — a powerful loan facility that helps investors separate loan purposes, streamline debt recycling, and boost tax efficiency. Learn how this flexible structure can fast-track your property purchases, reduce paperwork, and create clean lending lines as your po...