Advertise on podcast: Personal Finance with Ravi Sharma | Australian Finance & Property Podcast

🏠 Free Investment Assessment Call 👉 https://bit.ly/4i0ptrk📱 Free Sign Up (Wealthstacker) 👉 https://bit.ly/4i2vVOs💰 Mortgage Brokers 👉 https://bit.ly/3Vw1B660:00 Why Timing The Property Market Bottom Rarely Works0:40 The RBA's 9-0 Rate Hike And Rising Unemployment1:29 Who Interest Rate Rises Actually Hurt3:12 Do Rate Hikes Really Bring Property Prices Down?4:19 Borrowing Power Vs Price Drops: Why Affordability Worsens5:49 Who's Still Buying: Wealthy Investors And Bargain Hunters7:16 Inflation Data And Australia's Interest Rate Ranking8:58 Unemployment, Politics, And The 24-Month Outlook

🏠 Free Investment Assessment Call 👉 https://bit.ly/4yvm4qu📱 Free Sign Up (Wealthstacker) 👉 https://bit.ly/4AGHFNT💰 Mortgage Brokers 👉 https://bit.ly/4AGeZ7V0:00 Why Most Investors Repeat The Same Mistakes0:53 Waiting For The Perfect Time To Buy1:29 Chasing The Next Suburb To Boom2:14 Fear Of A Dud Purchase And Negative Gearing Confusion3:35 Buying Your Own Home Vs Rentvesting First4:45 Chasing The Best Strategy And New Build Tax Traps6:43 Tenant Damage Fears, Bad Advice, And Your Emergency Fund

🏠 Free Investment Assessment Call 👉 https://bit.ly/4d6VY4u📱 Free Sign Up (Wealthstacker) 👉 https://bit.ly/3TA33Ui💰 Mortgage Brokers 👉 https://bit.ly/4d7cKQT00:00 Intro01:24 Why High Income Isn't The Same As Wealth02:05 Rule 1 & 2: Pay Yourself First, Then Learn To Invest03:31 Rule 3: Respect Money Instead Of Resenting It04:38 Rule 4: Put A Dollar Value On Every Task06:18 Rule 5: Don't Trade Long-Term Upside For Short-Term Pay07:36 Rule 6: Get Your Budget And P&L In Order08:44 Rules 7–9: Money As A Game, Emergency Funds, And Net Worth Over Income

Access the Calculator 👉 https://bit.ly/4rGcsGH🏠 Free Investment Assessment Call 👉 https://bit.ly/47lvs3O🧠 Strategy Session 👉 https://bit.ly/4hykH2X📱 Free Sign Up (Wealthstacker) 👉 https://bit.ly/4xKyWYg💰 Mortgage Brokers 👉 https://bit.ly/4yXuOoO0:00 Why You Need A Clear Property Retirement Goal1:30 Using The Property Retirement Blueprint Calculator2:35 How Age And Timeline Change Your Property Numbers4:27 How Many Debt-Free Properties You Need By Income Target5:36 The Buy-And-Sell Strategy To Clear Debt Faster7:45 Why Inflation Makes Your Debt Shrink Over Time

🧠 Strategy Session 👉 https://bit.ly/4Avj5Q0📱 Free Sign Up (Wealthstacker) 👉 https://bit.ly/4xMcCOe🏠 Free Investment Assessment Call 👉 https://bit.ly/3Vxg1mt💰 Mortgage Brokers 👉 https://bit.ly/4d2TDra0:00 10 Financial Lies Holding You Back1:10 Lie 1: Renting Is Not Dead Money2:09 Lies 2-3: The Deposit Myth And Paying Off Loans Fast4:05 Lies 4-5: Negative Gearing And Property Always Rising6:26 Lies 6-7: Saving Cash And Job Security Myths7:48 Lies 8-9: Super For Retirement And Debt Being Bad9:20 Lie 10: The Stock Market Myth And Wealth Stacker Wrap-Up

🧠 Strategy Session 👉 https://bit.ly/4rqfUoz📱 Free Sign Up (WealthStacker) 👉 https://bit.ly/4rqgmTN🏠 Free Investment Assessment Call 👉 https://bit.ly/4yNVKr0💰 Mortgage Brokers 👉 https://bit.ly/477TsY600:00 Why A 30% Property Crash Won't Happen01:50 Housing Supply Deficit And Affordability Pressure03:44 Tax Strategies: Negative Gearing And CGT Changes04:21 Four Decades Of Property Downturn Data07:02 Market Cycles And Interest Rate Outlook08:49 Comparing This Downturn To Past Corrections10:13 Loan-To-Value Ratios Show Market Resilience12:15 Avoiding Emotional Trading And Final Takeaways

🧠 Strategy Session 👉 https://bit.ly/4y7nE1B📱 Free Sign Up (Wealthstacker) - https://bit.ly/4hem1rD🏠 Free Investment Assessment Call 👉 https://bit.ly/4cTYTgE💰 Mortgage Brokers 👉 https://bit.ly/4AmJuzl0:00 Intro1:26 Option 1: Two Properties With No Debt3:42 Option 2: Five Properties With Some Debt6:40 Selling One Property To Go Fully Debt-Free8:27 The Power Of Compounding Growth10:15 Borrowing Against Your Assets Instead Of Selling15:15 Comparing To The ETF 4% Rule

📱 Free Sign Up (Wealthstacker) - https://bit.ly/4r9oE2k🏠 Book Your Investment Assessment Call 👉 https://bit.ly/4xVvw67💰 Mortgage Brokers 👉 https://bit.ly/3SJXsdZ🏠 My Buyer’s Agency https://www.searchproperty.com.auEmail me 👉 [email protected] 0:00 Trust Tax Backflip: What's Changing And Why0:32 WealthStacker: Free Investing App1:09 Personal Vs Trust Vs Company: Comparing Ownership Structures2:47 The Treasurer's Fix For The 30% Trust Tax3:24 Comparing Tax Rates Across Personal, Company And Trust5:02 New Rules Lock In Fixed Trust Distributions6:51 Indexation Trade-Offs Between Trusts And Companies8:05 Buying Through A Bucket Company

📱 Free Sign Up (Wealthstacker) - https://bit.ly/4xM3Gch🏠 Book Your Investment Assessment Call 👉 https://bit.ly/4xWKVmO💰 Mortgage Brokers 👉 https://bit.ly/4y1oFbh🏠 My Buyer’s Agency https://www.searchproperty.com.auEmail me 👉 [email protected] 0:00 Why Rents Are Set to Surge Across Australia0:46 Introducing WealthStacker: A Free Portfolio Planning Tool1:20 The Real Holding Cost of My $30 Million Portfolio2:01 Rent Growth, Negative Gearing, and the Shared Housing Shift5:03 My Portfolio's 10-Year Cash Flow and Exit Strategy7:00 How a 1% Rate Cut Turns Losses Into $736k Passive Income9:08 Case Study: Building Wealth With One Investment Property11:07 Scaling Up: The Five-Property Portfolio Strategy12:28 Why Long-Term Thinking Beats Short-Term Market Headlines

📱 Free Sign Up (Wealthstacker) - https://bit.ly/4xhQafs🏠 Book Your Investment Assessment Call 👉 https://bit.ly/3SGbqxr💰 Mortgage Brokers 👉 https://bit.ly/3UASnoT🏠 My Buyer’s Agency https://www.searchproperty.com.auEmail me 👉 [email protected] 0:00 Should You Sell at the Top or Hold Through the Cycle?5:21 Building a $30 Million Portfolio8:05 Is Perth and Brisbane Done, or Is There More Growth Ahead?11:34 How to Increase Your Borrowing Capacity14:16 Rent-Vesting Exit Strategy: Paying Off a $650k Loan with Investment Properties15:41 Using Equity to Buy Your Next Property Without Cash17:19 My Personal Story20:18 Government Policy, Institutional Buyers, and the Future of Property Ownership23:08 Will Property Prices Keep Growing at 7%?

📱 Free Sign Up (Wealthstacker) - https://bit.ly/4yoeGfV🏠 Book Your Investment Assessment Call 👉 https://bit.ly/4xaTdpE💰 Mortgage Brokers 👉 https://bit.ly/4xHrDBz🏠 My Buyer’s Agency https://www.searchproperty.com.auEmail me 👉 [email protected] 0:00 The Return Of The Mortgage Wars0:38 WealthStacker: A Free Portfolio Planning App1:18 How Banks Fought For Market Share With Cashback Wars Before 20202:05 Rate Cuts, Recession Risk And The Government Spending Problem4:56 Big Four Banks Reveal Steep Drops In Home Loan Applications6:15 The Wealth Effect: Falling Prices And A Consumer Pullback6:49 40-Year Loans, Negative Gearing Offsets And Looser Serviceability Buffers8:44 Cashback Offers Return As The Market Nears Its Next Phase

📱 Free Sign Up (Wealthstacker) - https://bit.ly/4yndut5🏠 Book Your Investment Assessment Call 👉 https://bit.ly/3Tbtxvj💰 Mortgage Brokers 👉 https://bit.ly/4x79nAk🏠 My Buyer’s Agency https://www.searchproperty.com.auEmail me 👉 [email protected] 0:00 Why The Rich Keep Getting Richer0:40 WealthStacker: Free Portfolio Planning App1:17 The Cantillon Effect And The K-Shaped Economy Explained2:44 How Lockdown Stimulus Flowed Back To Asset Owners3:23 Fixed Supply Vs Infinite Money4:53 The Bank Lending Cycle That Multiplies Wealth6:44 Why A Crash Isn't Coming8:54 Renting, Rising Costs, And Debt As A Wealth Accelerator

📱 Free Sign Up (Wealthstacker) - https://bit.ly/4h3dn03🏠 Book Your Investment Assessment Call 👉 https://bit.ly/4ydEGKW💰 Mortgage Brokers 👉 https://bit.ly/4zVQtPR🏠 My Buyer’s Agency https://www.searchproperty.com.auEmail me 👉 [email protected] 00:00 Why Traditional Advice Won't Make You Wealthy03:24 Rule 1: Ownership Beats Income05:28 Rule 2: Leverage Is Your Wealth Accelerator07:35 Rule 3: Cash Flow Keeps You In, Growth Gets You Out08:49 Rule 4: Wealth Compounds Over Time11:08 Rule 5: Get Your Tax Structures Right12:34 Rule 6: Your Behavior Is The Real Risk13:55 Rule 7: Build A Machine, Not Just A Portfolio15:08 Final Thoughts

📱 Free Sign Up (Wealthstacker) - https://bit.ly/4qMvOcK🏠 Book Your Investment Assessment Call 👉 https://bit.ly/4wS9oIp💰 Mortgage Brokers 👉 https://bit.ly/4xutGZO🏠 My Buyer’s Agency https://www.searchproperty.com.auEmail me 👉 [email protected] 0:00 Intro: Sharing My Property Sale Regrets0:31 WealthStacker: A Free Portfolio Tracking App1:10 My 13-Year Investing Journey2:38 Property 1: Selling The Central Coast House4:41 Property 2: The Renovation That Forced A Sale7:00 Property 3: Selling In Sydney To Fund The Business8:37 The Full Tally: $750k In Lost Equity9:41 What's Next

📱 Free Sign Up (Wealthstacker) - https://bit.ly/4gpxC6I🏠 Book Your Investment Assessment Call 👉 https://bit.ly/4wItQLJ💰 Mortgage Brokers 👉 https://bit.ly/45LQkAG🏠 My Buyer’s Agency https://www.searchproperty.com.auEmail me 👉 [email protected] 0:00 Why Buyers Are Being Left Behind Without Equity Investing1:01 The Average Way: Saving A 20% Deposit For Each Property2:37 The Rich Way: Buying Faster With A 10% Deposit4:22 Average Growth Vs Search Property's Growth Rate6:07 Calculating Usable Equity Through A Refinance7:19 One Property Alone Vs Three Properties With The Right Team7:52 Inside A Client's Seven-Property, $11 Million Portfolio