Ep 141 | Australia Is At Breaking Point - Graeme Holm

The 600,000 people that had $200 million stole from them. It was the average punter in and out messiness that. It wasn't the ones that were clear cut that you know, "Hey, my interest is fucking $2,400 a month." It was the very messy ones. I've not seen any clean ones, and the clean ones comment on my social go, "Oh, it's up to you to check your accounts." It's not, you paid a fucking service, you paid a fee, you paid a licensed expert to give you a product that doesn't fucking work. Welcome to part two with Graham Homme, where he exposes the banking system's darkest secrets and completely reconstructs how you think about building wealth. It's like a cartel. You've got these four big banks, and then you've got some sediary banks that are owned by the big banks, and then you've got non-landers that are owned by the. Like, really, who owns all this shit? At the bottom of the pyramid, it's all owned at the top. Why am I going to America? These motherfuckers come and say, "Hey, Australia, we're come to save you. 40-year-mall, you just fuck you!" Instead of borrowing 500 and paying back 1.1, you want me to borrow 500 and pay back 1.4? Trump said the same thing will do a 40-50-year-mall. That's generational debt you fucking asshole. So that's why I'm going to America right now. I've got such scale in Australia. They want to come fuck with us. I'll come fuck with you. You've got to stand for something you can for me. That is that bullshit. They are all doing shit that is just criminal. Farmers. Remember the big period where farmers were getting all their properties repossessed and they wouldn't lend to them? They wouldn't allow them to refinance, and then all those farms got sold off short, and we lost control of a lot of our own resources and assets and assets. That's fucked. Isn't the number one thing that we should do as an ethical moral responsible banking community protect our own country's assets? Like other countries do? And resources not foreclosed destroy them and fucking ship them off short to the cheapest bidder? Come on. And I called this out on podcast. There is an agenda to break the construction sector in Australia, to break the housing industry. Choke supply. Continue to let people in and have too many people in not enough houses. And guess what the outside of that is? Well, we're back on board. We've just had a little bite to eat and a bit of a brain storm. And I feel super buzzer about you guys. But we've been able to come up with what we're going to do for the giveaway. So we've been out. It's kind of a sick breed of human that gets a bit like aroused about giving money away. You're just sicker down. I love it. You're my kind of sicker. You got me started. You're not me started. I'm like, we're going to have to go with you. I'm just losing it. He's got it. I'm with my people. You're going to give him a round. Yeah. Come with me. All right. Rip in, Dan. What are we doing? Sorry. We're no longer the one six grand. We're going to increase the cash giveaway. Yeah, I'll make it ten. That's thanks to G, by the way. Ten grand. Plus ten UPW 12. 12. So we give it ten grand. Ten grand. Five to a male. Five to a female. Yeah. And they'll each get tickets to UPW digital. Which is ten years. And we'll do another ten. And another ten. 12 people can win something. Which is bloody awesome. And the idea is it's the cash contributions for anyone that. But we're increasing the age bracket from 30 years below. So that they can help pay down any existing debts. Like G says, credit cards, hexed debts, car repayments. Or even if it's a couple weeks worth of rent. Pay for a license. Pay for a license. And if you pay for a license for real estate, so. Broke a ticket real estate, life's financial planning, degree, fucking drivers license to get to your job, blue card for your trade work. Yeah. Whatever. Tools for your business. A flight to come see Josh. Or if you don't have any debt, fuck. Go take your mum away for the weekend or something. That's the best. Yeah. I like that. Spend it how you will. Yeah. So how to be enrolled in this event is essentially. We want you posting on social media post and Instagram story. You have to tag myself, Josh Morrissey, Kevin Buchanan, Graham Home, both sides of podcast, plus Infinity Finance. Myself being Daniel Beatle-Bullet. And then. So what we want you to be sharing on that is we want you to share where you're currently positioned in life and what your goals are moving forward and what you're going to do to get there. Super simple. Where you are now, what you want to achieve and what you're going to do to get there. And how is tickets to digital Tony Robbins, UPW, going to help you unleash your power within and get from where you are today in that video to where you want to be? How is the five grand going to help you and tickets to UPW to be your best you? I love it. How are you going to get there and what will this maybe go? Five grand as a fucking hell. Whatever. Give it to your fucking mother. But if it helps, what are you going to use it to overcome? How is it going to help you get closer to where you want to be to be the human being you want to be? And then we're going to follow you up in 12 months. Yeah. Where are they now? We will be okay. We will be okay. We will be okay. And if you do something outrageously well and successful in that 12 months, then we'll do something outrageously cool for you. Yeah. We'll match the energy. We've got to get a neck iron. So I was saying nothing. So five grand a ticket each for each winner male and female and then another 10 tickets. Yep. So there will be 12 winners. All right. It's all done. It's going to be anything else. That's it. Nothing that's it. We'll put it in the show notes. We'll put it on socials. Yeah. All the tags, video, story, real, whatever. Instagram or Facebook, two methods. Can't be on private or no one can see it. We can't reshare it. We need to ret your tag so we can reshare it so people know it's a real genuine entry. We want to see you grow. So let us help you. That's like, all right. Let's rip into the app. Done. Go. First question for you, G. Have you built this amazing cult like following with your business and community? How did you actually foster that? It's a good question. I laugh because our own community says it's like a cult and it makes me like, but then when you actually look at the definition of cult, it's like this unwavering belief and passionate and cult comes from culture, right? Like cult in culture. But I think the old saying shit rolls downhill in anything in life. It makes religion, business. It starts at the top and obviously ends at the bottom. It's not who say, oh, you got to this, that the other. Whatever is led from the front, people either believe or they don't. And I think that Becky and I are just very people now like, I've sort of rolled around the hat and the t-shirt and I say exactly what I think and it's supported by data. Otherwise, I don't fucking say it. If it's not supported by some metric that I can prove like, go give your 40 new podcasts this month with people that are debt free on their home like, cool. Everybody else might have three clients. I can go get you 400, right? Fight 1000. So it always starts at the top and rolls downhill. Whatever you do from the front, people will either embrace and follow or they will not. How do you get to a point where I've got clients flying in from Western Australia for a one-night party this weekend at their own cost? How do you create that culture that's cost them thousands of dollars in hotels and flights to be part of something bigger? When you realize that everybody just wants to feel a part of something and you actually give a fuck and you want people to be part of something greater and bigger than yourself, that's when the needle changes. I'm not giving a $2 scratchy in a Christmas card or a CRM automated fucking email saying, is it time to sell? Have you got an appraisal lately? That's not fucking anything new or outlandish. They are monotonous basic functions of a sales or a service driven business. My start, have you had the story of the Ritz Carlton? Yeah, that's the story of the Ritz Carlton. That's why they spent $5,000 on flowers with one. Yeah. Being a, so we're talking about off air. So Ritz Carlton actually became a powerhouse of a brand and I come up with the exacting $5,000, $2,000. So Ritz Carlton employees have the ability to spend up to $2,000 or $5,000 without question, even if they're in housekeeping the janitor no matter what and it built a global phenomenon in a brand and it was people come here and pay a premium because they expect a level of service. So that can be down to a gentleman lefties laptop in the hotel. Housekeeper went and paid for a courier or a limo and personally drove to the airport in the Uber or limo and then personally went and delivered it to the person and got themselves a cab back or FedEx did or whatever. So someone's suit didn't arrive. They called a tailor in and they brought this thing blue, this brand up. So not realizing I was copying that because I didn't know the story but my team in our coaching world want to become a client and we structure the loan and that our service actually only really begins there where every other broker service ends there. Yeah. They end the loans done at Set-Award. You need me to change your repayment or debit. We're full time financial coaches. You think about when you go to the gym to get guns or shoulders or to be lent. You don't go in exercise and eat whatever the fuck you want. Your good trainer will say what's for lunch today? Do you have your good enough protein? You want a good trainer? The service and the coaching is actually ongoing and never ending because we all need someone to be held to account. So our financial coach is our budgeting guys and girls. They have no budget for any client gifts. I don't care if I lose money per year for that customer's business. Some staff send clients wedding anniversary, floral arrangements and food and wine hampers, cheese hampers. Sometimes they send a birthday for each of them. Somebody passes away. We send floral arrangements or hampers or donate to a callers or the cancer council, etc. We don't share that publicly. It's in our private closed community groups on school and Facebook. No one knows it unless you're a client because no one needs to know it because if you're not a client it's not any fucking business. But when you take away profit and operate a people first, profits last business, watch her profit where your business becomes and watch the culture that you create. Can you imagine when your clients going through a rough time, a lady, I won't name her this week was made redundant from her job. And we sent hampers and gifts and flowers knowing she's going through a tough time while she tries to engineer a new role. But just that little act of kindness, she's posted in the group. She shared and go, isn't it nice to have someone in your fucking corner. I'm super stressed over this redundancy. And these are people that they're partners probably don't even buy flowers from. We're probably guilty of that right boys. Like we should probably buy more flowers. So it's these little gestures that go a long way. There is literally no budget for kindness in our business. I don't care. Now maybe if somebody spend 25 grand one client for fucking gifts in a year, be like, is this fucking brother or sister? But we don't worry about that here because our team would never do that. We call it not by me and it's weird and it's creepy. They call it the infinity family you're in or you're out. If somebody in the community, social construct or you're part of this community, hence we raise the million bucks in three weeks over. So yeah, it's just, it's fucking cool to give man. The more you give, the more you get. Some people talk shit. Other people do. Did infinity have to get to a certain level of success? Jeter start being able to give at that level? Or did you, we're always just giving you have that flexibility of giving, even as you're growing the business? Yeah, we're always giving a bit. Like we did like client days and stuff. So like, we started back in the name Port McCoy. We put on a big client day and have a good restaurant coming in cater and prizes. And now the prizes back then, we went to office works and they had like $299 flat screen TV's that were really big and we got three, you know, obviously the scale varies, but the intention never varied. And that's, you can meet someone and go, this guy's a bit of a fucking weird fart. I don't like this fucking Graham guy. He's a fast eddy. But if you peel it back and someone's intentions appear and the human is good, the intention is the outcome. How do I want to see somebody win? I want to give away some prizes. I want them to meet other people that are like minded in our community. So the intention equals the outcome. If you're intentions pure, the outcome will be pure and positive. If the intention is shit, the outcome will be shit. Would you say that service based businesses like, you know, say big real estate audience, broker audience? Would that be, can you give the audience some examples of say if you're a director, you're own a business like myself? Yeah. You know, we're really big with this, you know, with the cultural, the internal stuff. We fly, you know, we go overseas trips with the staff. That's what it's like. But I guess in terms of clients, you know, for the guys listening, how can they start to cultivate that? You know, you're going to your buyers, your sellers, your database. Like, what are some practical steps that the listeners can say? Well, actually, I want to start cultivating this community. A lot of these times, too, you might have, you know, an agent is doing a million bucks, a couple of mil 500. They're servicing a suburb. So that's technically their community. They might not be the business owner. But they still, they're still trying to cultivate that. So how could somebody say an agent who's been in the industry of a couple of years, really trying to build that to someone like yourself that owns a business that's got, you know, 100 plus stars. How can they do that? It's a really good question. And again, I'll go back to the intention. If the intention is one, to cultivate your database, say, right, like an agent, buyers, agent broker, etcetera, service, service, any service, base industry, is the intention to cultivate the database just because you want more business. So you're going to do something that you're looking for reciprocity, you're looking for something in return. Or is it an ego centric decision, like I just want more business? Or is it, of course, you want more business, that's organic for a service, base, business. But what is my intention besides more business? Is it to see that customer maximise the equity in their home or add an investment to the product? What's the outcome as well? And that's that intention. Yeah. So there has to be a mutual value exchange, especially in a service, base, business where it's really perceived if we're in real estate, finance, it's perceived a bit grubby. The average consumer thinks, ah, real estate's carcer, whereas there are a lot of experts in the field that can add a lot of value and it can be a life changing difference. So I'll give some examples of what I do in my community and how that could relate to say an agent or broker. I put on what's called a monthly accountability meeting. It's free. And if you're in my community, it's on Zoom and you're tuned in once a month, you get a private invitation with a passcode and you log in with thousands. Now let's just say we're in the hills, like Kev, right? So for example, you give that to your database and they get a private invitation and they can log in on this day and this time. And if they miss it, you give them your ability to watch a replay. It costs you just time and labour and you're doing a market update. Here's some examples of some homes that were X. They're now Y. You may not realise he's gone for the pen. You may not realise that you could unlock equity right now which could be life changing wealth creation for your family. A lot of mums and dads are so busy, they don't know their homes gone up 200 grand. They haven't even thought about it. They're just struggling to make payments. Imagine the value, and the intention here obviously is to cultivate your database. For me, my intention is just stay connected to my community because I run a subscription based business. I actually charge a fee for that monthly service, for that ongoing connection to community. So I'd bring, and I would pay, Dr Andrew Wilson, to be on that. And Dr Andrew Wilson, and I'm just making up numbers. That might cost you $5,000, Roger. But you now have the chief economist of my housing market is on the news every fucking night doing a full suburb profile and providing that PDF or PowerPoint to everybody that registered at the end of the session. That's impactful. My intention is not just to cultivate the data base, then the intention in that service based business. I just got chills. Because you just got your community engaged. Guess what they do when they understand things. They act. Ah. So this is where people go, "Grey himself is a fucking course." Ah, no. Graham educates and charges a fee, money back guaranteed. I do a free one too, by the way. Let's free shit. Go do it. I get messages every day. I pay 60 grand off my loan from your free shit. You're a gun. Thank you. Swing. I love that message. That's why I do it. My intention is to give more than any motherfucker on the planet. And guess what I receive back? More than most. So if you start thinking of that reciprocal benefit of how do I cultivate a service based business database, I give more than anyone else on the planet for free. Now, let's go to the version of that that most agents do. Letterbox drop. Huge magnet. Hey, we've got buyers in your farm. Waa, waa, waa, waa, waa. I fuck off. I'll go do some real estate coaching and make a fortune and retot. Like, it's actually not that hard, but we all are so focused in the way the industry is always being. The real movers and shakers are going to give more. Receive more and eventually have to do less for it. And it's just reciprocity. If you're giving me a monthly update with the head of ex-economist or this bank or that and these people want to be out there for their brands giving value and you're covering that cost and you're putting your resources into that presentation. You're doing that interview with the Doc Wilson or someone who's an expert and then they're getting this value pack full market update and listen to somebody cut through the bullshit about their catchment and suburb and giving them some values, etc. And even offering a free tool where they can get on the free tools and think what their homes were. And you probably get some free appraisals out of it. Now you probably get some listings out of it. Shit, you might even sell them one of your listings and be able to sell their listing and you just got two pieces of business out of it, double bubble. Give first ass labor. Being go. We're too quick to ask without giving. And when you give, you build trust, you build a relationship and then you build a culture and then you build a community and that's like a weird fucking cult, but I still pay tax so I need to turn it into some fucked up thing that doesn't pay tax. But anyway, it's a success fee. It's good advice. Yeah. For some context for these business owners, even though the intent wasn't exactly to get you gave, do you think the giving was or has been the best marketing tool for infinity? It's the best. Without a doubt, it's the best. I had a lady last year at Current Affair, did a story and I said, I heard a current affair and I was walking into Cayman. I'm like, which way do you run? Isn't that what people are like? They're like, no, they do good news. They just think, call us Australia's best boss on Beckadoy. Because Cayman was like, hey, these guys are our biggest country. And last year we raised like 200 or 250. Right? And they were there filming us putting things in the thing. So I think we had customers that seen that on YouTube or social media or on the news and looked at our company up and became clients of ours. And they've done three, four, five transactions with us between last December and this December. It's wild. But I didn't go to Cayman wanting customers. I went to Cayman because of I received kindness as a kid. I want to reciprocate that. To see it like, my business actually isn't this whole strategic marketing plan. It's Graham and Beck and Michael putting together of, how can we genuinely improve someone's life? That's our changing life. How do we genuinely authentically change someone's life financially? And now we do health and wealth. And when you actually give, deeply give a fuck and you go to war for a customer, I'll go to war for you. Look at some of my socials posts. You've seen war five hundred people experience it firsthand. The name. One person will fart in the comments and 700 people will go in the back and go, well, I zero. Am I more giddish? You know, like, but that doesn't come from any malicious point of view. They're so protective of what we've been able to do for them. And so I'm going to be listening to go, I want that. Just from listening to that, they'll go, I want what Graham's done for those people. You all can actually build that with your clientele. Everyone listening can build that with their clientele. A plumber can build that with their clientele. If a plumber was smart or an electrician was smart, they'd actually come back and do something for free and ring up and book something and come and check the fucking gutters later for a fire. They'd do something with you. They would do something that's a value add because they give a shit about their customer that paid them once. Not everything has to have an immediate ROI. People remember what you do know what you say, right? You got it. That's powerful, man. You start doing a monthly free zoom to your community and you get the right people and you'd also be fun and like, you know, everything I do is very fucking playful. That's my own insecurities. Just wanting to have fun with what I do. I don't take life too seriously. It's boring. A lot of people warm to me that way. This guy doesn't care for your friends, anyone, but I can see that he actually cares. So then it becomes fun and they leave. No one wants to talk about fucking money in Australia. Who won't hear truth, man? Yeah, cut the shit. I think you nailed it when you said cut through. Yeah, cut through the noise. They want to know what's going on in my market? Should I sell? Should I buy a hurdle on the news? It's fucked. My neighbor's soldier. Ah, this agent said this. They're opinions. We should sit from them and ship from them. They're like a backside, right? What do the experts say? And how can they help me, Bob and Mary, understand this data that doesn't make sense to me? And you can sit there once a month and do that for your community in your suburbs or catchments. And they will build so much respect, appreciation and admiral. Even if you don't realize it, well, what happens in a couple of people say to me, "Oh, who's your competitor?" I don't fucking have one yourself. He eats exactly and my clients to make me be better every day. No one else would catch me. They're a good accountability system. I'm not that panic. You just need to get. Yeah. I'll take you. Is that a Ferrari pen? Yeah, what's this? That is. It was a gift. It's a Ferrari pen. I'll just stand out on a minute. You want to know a funny story. Where's the pen? Twist it down the bottom. Right. When you ride in it, it'll let off. It'll ride in the same color that Enzo used to ride in when he signed all these documents. Amethas Purple. That's purple. Yeah. That's the color. Is that the gift Ferrari give you when you buy a car? I don't know. No, no. It's actually from a wife. Beck gave me that. I love, I love, I love Ferrari. So it's just the culture that he's straddling. Yeah. Can I hang on to it? You're going to need that. Right fast. Yeah, yeah, it does. And it's red, so it goes into the past. That's cool. So, yeah, I think. And these are things that anyone that's been around my business, so you guys watch the journey, you know, two, three, like, I've given and given and given to the Nth degree. And just because I enjoy it. Like, and it's, again, it's easy to say when you've made your money, oh, that's easy for you to say you don't care about money. But you know what? Anyone who's actually made money, most people then don't care about it and they do give more. So, that looks even more on the, hey, that's success. Like, you get to it and then realize, well, because money just makes you more of what you are. 100%. You know, so you said it. You're a vlog, you're a vlog. A rich vlog. Yeah. You're a big vlog. Yeah, we just want more resources. Yeah. To be a dickhead. To be a dickhead. To be a dickhead. Very strong. So, yeah, it's an interesting one, but I think all service-based businesses could do much better. And that's why we wanted to go with the subscription model and charge fees for the expertise and to be part of a community and a culture to go, yeah, well, we want to charge a fee. And these are the things we will give you in return for that fee. These are the expectations and deliverables. What do you think, like, like I spoke at a summit a couple of weeks ago and it was an investment summit, but I was just there. My little part of that was just talking about maximising the exit. How can you make the most capitalise on your exit when you're selling, when you need to do a little house? And I kind of use the opportunity to speak to, I haven't a couple of thousand people in the room to just call out the bullshit because a lot of people get the run around by agents. And I guess, too, like, in business in general, and what you do so well is you just call it how it is. An agent seems to protect the bullshit. What can I say just to that point of that high-joking act? I call it as it is and I get called out as bullshit, like offset accounts for us redraw. And then the audit comes out the out. So you're right there because people seem to be protective of the bullshit because that's what keeps the industry ticking along. And everyone wants to sit in the cocoon. And I found, you know, I just, I took the opportunity to just say, look, guys, this is what you hear, but this is actually what happens. This is the trickery. This is what you'll get told. And I just, I called a spade a spade and I went fuck it because this is the truth. And I've never had so much positive engagement from anything over done professionally, from that crowd because I was like, mate, I got so much fucking value out of that. But it's not you did? I pulled the curtain back. You gave. I gave, you know. It's back to giving. And it was, I just, it actually sat with me for about a week and I went holy fuck, you know, and the people that are, that are, I guess, getting the most are just giving the most, but genuinely, you know, and I think too, there's probably, you know, so many sectors you go finance, broke, you know, all the different service based businesses, everybody protects the bullshit. And they don't believe anything else to be true or possible outside of that bullshit you can. That's the way it's always been done. All right, carrying your fucking fossil. Get out of the way while I break your bullshit. Like, okay, then so who's got the people that have the community, the cults, the following, they're the ones walking the truth. So the ones like yourself and there's others in the industry that are doing good things. Amazing people. They're cutting through the shit. Yeah. And they're saying guys like, this is what it is. And it's like, powers in the proof. Like, this is tried, this is proven and that's where the followers come from. Well, that's where you get momentum in scale. Yeah, because it's fast because then it's just, it just, it just, it capitulate. It's like a waterfall. It can't make that. It just goes. You can't, you know, and then you'll get, you'll get your consumer go to war for you. Like you've seen on, so like they'll go to war because they know it's true. And guess what? When you don't know, you think that the person saying it is the idiot and full of bullshit. Yeah. You know what, wrong, what you said is not pulling the curtain back, you're a fuck with offset accounts are great. Do you know how many videos there are of me on social media? I think I saw what I was saying. Yeah. Offset accounts. And then no one said shit. And then about a month ago, all over the news, Asick are investigating eight banks right now including several majors for not linking offset accounts again. Like ANZ didn't do for $200 million for 25 years. And I'm going to charge fees. 100% we can. Let's, can we, do we, do we, do we, do we, do we, do we, do we, do we, do we, do we, do we, just, just on that. Yeah. You did the right thing. You gave, you cut the shit, you pulled the curtain back. Those people loved you for it. The industry normed the average what I call gross we earn, that refuses to grow, that refuses to, that just stays in their lane and pays buys the groceries, pays the mortgage or rent at the end of the month. They hate you. Fucking ass. You're full of shit. Yeah. You're wrong. It's always been done this way. Didn't Einstein say that doing the same thing over and over again is the definition of insanity. So we only do grow the fuck up. So back to that point, I get hated for it. I've been saying for years, I worked in a bank for 10 years, right? Offset accounts are a gimmick. They were introduced because way back in our grandparents era, all families go back. Think about Mum and Dad and Nanopop. They put all of their paycheck back in the day, the pay envelope. Everyone listen to this at home. They opened the pay envelope. They had an envelope for like groceries, bills, this, that. The I remember pop used to get a whack up the side of the head because it had a midi on the way home and the envelope was open. You spent money on beer. You know, I was one bottle, one midi. And then all that money went in an envelope to go to the bank, to go to the mortgage because they got paid in cash back then, right? In the envelope. And then they had these envelopes in the briefcase that was bread in a groceries bill. They put everything they earned at a loan because they understood that interest was calculated daily and charged monthly. You can break the bank's contract by overpaying a loan because they legally can charge you less interest every day. Then they used a little bit of cash each week for the food, fuel and fun and groceries. But everyone. Why did that. Well, when Offset Accounts got introduced, yeah? And then they took away like line of credits or home equity line. They took away a lot of these products and buzzwords that actually worked. They grandfathered products. I don't know if you've ever had this, you get a letter from the bank saying, "Hey, your whiz bang, fucking soup, your Humpty Guppy loan. Effective on the first of January no longer has this feature." And it's now called the whiz bang negative, not plus. They're like, "Oh, that's called grandfathering a product. If a product doesn't serve the shareholders, they'll kill it. If our government needs more money, they will introduce a tax." Now, let's go the other way. If a bank's profits are diminished, they will. The opposite of introducing a tax for them is remove a product. They'll create a new product based on their marketing and psychology of money and all of that to fuck you a different way with no loop. They don't even buy your drink first. Think about it. Buy me a drink first. What's my name and number? So, ASIC. Sorry, ANZ did that. Yeah. Very public. People can see it on my poster and on yours. For mid 1990s to the mid 2020s, they didn't link Offset Accounts for over 600,000 families and overcharge fees for that and various other things and it was over $200 million they've got to pay back. Do you know they're still not paid people back? Every day I get messages saying, "Thank you so much." And I'm the idiot. In all the videos, people are duetting me why? Leverage. I'm a big, big brand in the industry for telling the truth. Everybody wants to say what I say is wrong. Okay. Why do I have thousands of new clients a year that will go to war for me with a proven outcome because they're using contracted free unlimited redraw, not fake redraw and no, your redraw can't be taken off you. Watch all the comments on this section from the uneducated brokers. There are loan contracts and products with free unlimited redraw and the redraw can not be taken off you unless they write to you and change the product. That's a really important point. Offset, it's a bank account gimmick. Human beings are in Pulse-iv-year. So if we're in Pulse-iv and we spend what we have direct access to, if you've got an offset account, if it is even linked, you're going to spend everything in it. You're not offsetting shit. And you're probably going to use a credit card. Get points, magical fucking toaster. Hope it wipes my ass and rubs my feet and tucks me in at night. So there's so many gimmicks in every industry. We've got to cut through that shit better. A big shout out to our main podcast sponsor that's made this podcast possible view.com.au. For anyone over the Christmas period that wants to get a better understanding of what their properties were, maybe you want to look about upsizing or downsizing your family home or even search for your next investment. Definitely look at view.com.au. Thank you for supporting us with this episode. Is that product unlimited redraw product? Are you product with the bank directly? No, there's banks that have it. I talk about this honestly in my free sessions. So they're making. There's banks that have free unlimited redraw that a customer can go and get off the shelf. I've built products we call it white label because of my volume. I've got two major lenders and two non-major lenders. We're currently running four infinity branded products that are the banks money and a non-banks money, branded as us that has all these features. But you can get variations of what I have created yourself off the shelf. So Merry Christmas, yourself off the shelf, not elf off the shelf. So Ainsed had got caught red handed. Did anything change? Were there any policies got put into place for this not to be? They paid a $25 million fine. No policies put into place, nothing to stop this from being again. You tell me because Assyca currently investigating eight lenders right now, as that November December 2025 and several of the major lenders, for not linking them again. If anyone goes to my social media and scrolls through all the ones we've done with you and looks at them, there are hundreds. Sometimes thousands of comments on my post going, "This bank did it to me, this bank did it to me, this bank." One client, I've got the screenshots and messages, went in and they went, "Oh, sorry, we can see it's D-linked." They linked it on the spot. Next month they went back and it was D-linked again. Did they back pay? Ah, if you fight. Yeah. You have a fire. I've got a fire section to back pay, like EF. And then a class section, you don't want to be involved. You know what happens if there's a class section? Guess who gets all the money? Lawyers. The lawyers. And they've got these deep pockets and there's short little T-Rex hands. Never reach their own pockets, just our pockets. How's your mum and dad check? We'll chat about this off here, but how do they check if their accounts are linked? Because it's calculated daily. So you'd have to run spreadsheets on your loan account and your offset or all your offsets and go, "My loan's $100 and I have $50 in offset. Therefore my interest should be charged at 5% or 6% of $50, not $100." And then you've got to break it down daily. So it's like, "Fuck, hang on a minute." So I'm going to go in and go, "All right, let's just do the math here for a second." I'll use the calculator so it's perfect. Let's say mum and dad have a $500,000 mortgage and it's 6% per annum. That's $30,000 a year interest for mum and dad. Divide that by 365. Mum and dad are paying $82 and 19 cents interest every fucking day before they get out of bed. This is what society doesn't get taught. Let's say it's a 30-day month. They pay $2,465 a month in interest before they get out of bed. This is where Australians can win. So if they know they're meant to pay $82 a day in interest and $2465 at the end of the month, and then that's without offset, right? You then halve that, well then they should halve that to $41 and $1232. So I'm going. Who's going to sit there and calculate every single day for 28, 30, 31 days? Who's going to do it now? It's only a fucking statement. You said it in the comments, "Uneducated person." I've seen it on statements that said they're saving and they haven't saved it. How do you think A&S have got away with it from the 1990s to the mid-2020s? So you're telling me as well, but let's think about this for a second. I'm just going to, not alleging, the $600,000 people that had $200 million stole from them. They were a customer that had a million dollar loan with a million dollars offset. Because the interest would be? So I'm just going to make a fairy land suggestion that if it was an algorithm that could target the person with two home loans that were $286,789 and another one for $300,000 and they had offset accounts that they lived in and out of it to see who I'm going, it seemed to be those people that almost this imaginary algorithm knew that they would have no fucking clue to figure it out. Because it's very easy if you know that your interest is X every month, right? It was the average punter in and out messy this that it wasn't the ones that were clear cut that you know, "Hey, my interest is fucking 2400 a month." It was the very messy ones. I've not seen any clean ones and the clean ones comment on my social go, "Oh, it's up to you to check your accounts." It's not, you paid a fucking service, you paid a fee, you paid a licensed expert to give you a product that doesn't fucking work. That's crazy, eh? And what happens? They get a slap on the wrist. I did that, I'd be in jail and have no license, banks too big to break. Really good book, uh, Banks behaving badly, is it a del Ferguson or something? There's some really good books out there about this. Really good books about it. Are there any banks that are above board? On paper, yes. Look, I think it's, I'm going to be careful because they come and take my license off me for a while and I can't use them and then they come back and say, "No, we need you again!" But fuck it, who cares, alright? They're all doing all sorts of fucking putrid shit, okay? Whether they say it's deliberate, indeliberate, technical error for 22 years, right? They're all doing this shit. They, uh, it's like a cartel. It's like you've got these four big banks and then you've got subsidiary banks that are owned by the big banks and then you've got nonlanders that are owned by the, like really, who owns all this shit? Like at the bottom of the pyramid, it's all owned at the top. Oh fuck, don't get me started. Now Trump said the same thing. We'll do a 40-50-year-mall. So that's why I'm going to America right now because I've got such scale in Australia, but they want to come fuck with us. I can't come fuck with you. Let's go. Let's go. Let's go. It's going to be fun. Like V, baby. So the FTV, yeah, the next potting I went with FTV, right? But it's really important. You've got to stand for something. It can for me. Like they are all doing shit that is just criminal. Now, I'm not calling them criminals. Do I'm saying they are taking criminal, I mean farmers. They wouldn't allow them to refinance and then all those farms got sold offshore and we lost control of a lot of our own resources and assets and that's fucked. Like isn't the number one thing that we should do as an ethical moral, responsible banking community, protect our own country's assets? Other resources, yeah. And resources, not foreclose, destroy them and fucking ship them off shore to the cheapest bit up. Come on. What did you say? Stoic saying and you've touched on a lot of star seasons and what you're saying but you know like control of control rules, right? Is controlling the control rules for someone with a 30 year mortgage to say, you know, link up with you guys and pay it down in 10? Like in that process of people that have mortgages and they're in debt, what are their control rules and how can they maximise their position? And what does that look like paying it if you can break that down for us? Yeah, and I want to touch on something really important here because the natural default even for my industries, oh, just pay more. That is the most financially illiterate comment on the planet and I want to break it down. Yeah, can you? Let's start with, yes, if you pay more, you will pay a loan off quicker. No shit, Sherlock. However, if interest is calculated daily and I just sit my money in a different list, this is the problem. People just pay more. What if you put everything you earned in a loan and my interest is $82 a day? Is there a likelihood I could reduce it to $72 a day? By just moving, now, what if I owned all my cars in cash and I sold them and put them off my mortgage and had a hundred grand redo or to invest and then went and got a car loan and a different structure? What if I had $32,000 across all of my kids savings accounts earning 3% because I thought that's what you do because my mom and dad did, but my home loan is 6%. I'm upside down 3%, 3% per annum. These are the, so the control controlables, I know if I can help someone reduce their daily interest charge by $20 a day or $10 a day, that's $300 to $600 a month. That's $36 to $7,200 a year. You wouldn't kick it out of bed for farting. It's true. But people naturally say you've got to pay more and the money's gone. I'm not suggesting that. I'm suggesting control of controlables and get expert advice. I'm deep in this shit, right? That's why my portfolio is so big. I can pay debt down at a rapid rate by where I sit my cash flow. Break that down. So people have an investment property. They get rental income. They let it sit in a property manager's trust account all month. Interest is calculated. Ellie. You could receive weekly disbursements even if there's an administration fee. You could receive weekly rent disbursements and sit that rent in your home loan regal. You could have just so $5 or $10 at the end of the month. That's like an extra month's mortgage payment that's sat in your loan for seven days, then 14 days, and it accrues. That's tax-free money you're making. It's a second income stream. I'm not paying extra payments. I'm cycling all the accessible funds in my world through one effective tax-free location because I don't get tax deductions on my home loan. Before our first series, I didn't even know about like it. Or you could see as everyone pushing offsets. I know you guys funny. First is you go, whoa, what I'm like, this is fun, right? It's the best to be able to change your oil. And that's still all I see. If that everyday Australian is speaking to their broker or bank or whoever, how likely is it that? There's a 90 plus percent. It's not a real step, but I'll tell you I know from when I get the messages from clients, there's an 85 to 90 percent chance you've been pushed offset. And that's nothing wrong with your broker. It's just that's what your broker knows. Even at the highest level in the bank, so do you. The highest level. You go, that's more or less. Highest level. Now, for an offset, let's be clear. When an offset account, if technically operated correctly, linked the entire time and there's money in it, it will save you 100 percent of the interest. They're proven not to. We spend what's in there. It's an answer problem. We can't control it. Control the control. What I can control is if I give myself $500 a week to live or a thousand dollars a week to live and it runs out, I'll ask myself a question before I pull it out of my loan. If I sit it all in my loan, I'm less likely to touch it. There's a lot of psychology to it, but I just revert back to it. If anyone doubts it, watch 2-300 of my podcasts, the people that are mortgage free that flip from offset to redraw. People paying loans off in four years, seven years. So what's that compound effect? Because you're minimising that interest hourly component and that compound, so that annual saving that then comes off the loan. So these guys that are doing it, what size debt did they have? You know, if they're paying it off in $4.50. We've got people that have got $495 grand paid off in five and a half years. I've got someone paid $322 in a couple of years. And that's from that daily adjustment compound. Daily adjustment, but also everything can also I do, which without making it a, oh my god, grand watch your business. Yeah. And just to give more value, the helicop don't look, I've got a free webinar. People can go watch the free webinar. I explain it step by step, even if you never do business with me at the very beginning of say, I'm going to pitch you at the end. How is that for fucking fair transparency? And before I pitch you, I'll tell you and you can log off. Why is my business growing so much? I gave. I was honest about my intention at the end, but hey, please, if you benefit, can you send me a DM later and tell me how much money you've got off your mortgage because fuck the bank. I win either way. I could screenshot it across the name out and put it on socials. Yeah. So I'm still giving, right? But I tell you, hey, this is free. What do I get out of it at the end? I'm going to pitch it a come and spend a weekend with me. I'm going to charge us some money with the money about guarantee risk is on me. So yeah, control the controllables, but you're going to be sold off set. You're going to, what were you saying? So just around that point of the time line. So you just say saving time line. So if you start to do that compound interest, so you might save $10 a day, then you might save $10.88 a day, just make, you know, and $11. That effect, give every dollar at move all your kid savings into your read or you're earning your kid 6% by you not paying it, not 3% and paying tax on it, earning one or two. So when you actually do the compound effect is fucking astronomical. And the more in there, the better. The more in there, the better. Put it this way. Right. If you have debt, you do not have savings. If I have the bank $500,000 and I have $50,000, I fucking don't. My net position is $450 grand. So that 50 grand can save me 6% per annum. Can I give you some live examples? Yeah, go for it. So we're in a couple of commercial buildings. We've got some radiores. We've got some offsets. We've got bits and pieces. We've got a development company. So same again. We've got offsets and radiores. So I guess in terms like commercially, say you've got, you know, just you stand. Mum and dad, your mortgage. Mum and dad got the non deductible. It's bad nasty high line. Yep. And that's just everything they have should focus on that. So if you're commercially structured and you've got multiple shit going on, then you're trying to offset everything, like should you be using radiores in that instance where, like commercial buildings, for example, the two that we have, like long term players, obviously, like we've got cash offsetting those. Right. Pretty much ten years. If you had a home loan and you were offsetting commercial debt, you're fucking mentally disturbed. So with, so long. Because you're offsetting tax deductible debt. Yeah. And your home is not deductible. So our homes paid off. Then you're laughing. Congratulations. But with the commercial element, you know, it's so, so I'm going to jump in for a six. This is really a say your rates six percent. I was just making them and over again on your command and you're offsetting all of that. Yep. You're earning six percent. Yeah. But you're offsetting three. Well, you're earning six percent per annum or paying six percent. You're offset. Let's say that that's a million bucks and you've got a million bucks cash. Yeah. You're million dollars is earning six percent. Sixty grand. You're paying it. Take the money out of the account. In your scenario for the more technical person, you're going to pay sixty grand a year interest only. It's fucking tax deductible, bro. It's an investment property. Take your million dollars cash and go in there and twelve percent. Where do you end up by reinvesting? Go by another fucking factory. Yeah. And double the size of your portfolio and hopefully you get six percent capital growth and six percent yield. Well, even with like just to get your advice because it's relative. So these buildings, say they're worth, you know, seven and a half million combined. Yeah. Interest and the on boat like we've got like a lot of that paid off offset. But even the, so just the interest and the component alone, the rent that we get in with $750K surplus, we can take. So you cash flow positive. Cash flow positive on them. The goes up seven, you know, seven and a half million goes up six percent every year, which is good. But then like what you said is, and it tell me if this is the wrong strategies, keeping sort of two, three mil accessible of those buildings to go, pumped up development fleet, then move back on and put back into the building because of the end goal for us with those commercial buildings. Because remember with investment debt that has redraw and this is what people get scared of. Once you pay down a debt, you've lost the tax deduction on that asset. Would you say, would you think it's a bad play? Like I said, the buildings for us long term are just there just like that, like rainy day, ATM, you know, asset worth circuit base going up. But then it's netting after outside $450K. That's just like that where we can go, baby, the kids are not have to work. Is that a good strategy, should we be trying to do that earlier or is that a strategy you do later in life? So really, you use that money? Yeah, it's a really good question. So let's just run with that. You said $450, of course, $500. You got yourself to this phenomenal position, well done, of half a million bucks a year pass if coming. Yeah. After your service, all your debt and everything, right? That's fucking wild. People dream of that, right? You got there, you fucking gone blood sweat and tears for it. I've gone away from that and gone to more of a capital play. Now this is where everyone needs specific, but both, but specific, personalized tailored advice, like an off air conversation, because I got to the position of earning income like that and realized that that income today that's going to grow at 6% per annum is probably not going to keep up with inflation. They're from losing money. I'm losing money. Yeah. $100 bill today isn't $100. $7.94, $78, right? So I realized that an income play in today's dollars will actually diminish people go, but the yields will go up and rental inflation, but I realized that the yield can diminish over time and the income today is 500, but tomorrow 500's worth 400. So I started going for big capital plays and on scale, scale, scale to sell those assets now. 50, 50% CGT discounts still exist, because let's be clear what's this government fucking playing at at the moment, right? They change it and they don't grandfather it or grandfather it. So while current legislations apply, I always look at how to take advantage of it before they take it off me, because I'll keep taking shit off us as it gets to good like loan products. So if I can take that now and you've got a $15 million asset base and you owe $7.50 and you're generating $450 grand a year, I'll look at that and go $7.50 million. I'd like that to make you $7.50 a year. So I'd work off your net position and say $450 cash flow isn't great off $7.50, a $7.5 million of equity. Not a good percentage. It's just, I look at it as easy. It's easy. It's two tenants like rather than 30 properties. Would you then, well, I don't know, maybe it's instead of two tenants, you bought something double the fucking size and you got $900 grand a year. Big tenant. Big risk, big reward. Would you still verticalize the same model or would you diversify it out into like a broader asset pool like Brezzi? Depending on you, sir, for me, I just smash Rezzi and sadly people get upset housing has become a commodity in Australia. And I called this out on podcast with Doc Wilson every year. A year ago, I said, in COVID, I said, there is an agenda to break the construction sector in Australia, to break the housing industry, choke supply, continue to let people in and have too many people in not enough houses. We now have these and I won't get into them myself too much. That's breach people, the other people in the team. We now have this co-ownership thing where the government will come in and give you 20 or 30% of your house. So if I break the construction industry, I don't want to be tin fall, how do you? We break the construction sector, let more people in them we can build houses and we can troll how much land we supply when we've got more land than any other country in the fucking world. What do we do? We create a situation where we artificially inflate or we can control supply and demand, we can control stock and release, we can control policy and procedure, we can control like a fucking video game, we can control deliberately the values of property in Australia. And guess what? Where will we come? What are the largest owners of it? It's just positive, I don't know. Come on. Think about it. Like literally, and so build to rent has become huge in Australia. So massive. So our children, we have children, they won't be bidding or negotiating with the agent against anyone else's children, yours and mine. It'll be against the Canadian pension fire fighters fund. It'll be against fucking black rocks. Super funds. Super funds. Well that's super, we're going to be Josh Charles, not long ago, he said 95% of the subit days owned by our supers. But hang on a minute, if you look at any of the super funds, property returns, they reckon they've lost money in the last 10 years. 95% of them own some of our most expensive assets in Australia. That must be fees and consulting charge. They make shares look really good at 6% or so, but they get clips of the way. But they say that the property loses money, but they own some of the most expensive real estate assets in Australia with some of the highest returns. Let's talk about how the world really works. So right now, all the states, territories, country, they're now coming and saying, "We'll buy with you, we'll guarantee you, don't worry about LMI, they're not going to do that unless they know that it won't break, you've got to up that, yep, you've got to have an extra 3% of service, you've got to do this, you've got to do that." But the system's fucked. The system is. It's not like rock all over again. The system is. This is the whole. Yeah. acrossing all your loan nothing can be happy. Well you know what, we'll walk the streets today or tomorrow. We'll do a little. We'll do a little street beat and talk to some people along the beach here. And you're going to say, "Hey, is it owned or your rent? Is it possible? Is it out of touch if you're given?" I bet you everyone says, "I rent and I've given up." Yeah. Even with these grants and shit, the only way to get in now is the bank and mum and dad, even if you go, "Oh, you can buy the 5% deposit. How the fuck do you say 5% when you pay current rents in Australia?" Mind you, don't buy Gucci shoes with bees on them and the fucking watches. Do you know how many guys I see at the local restaurant now with a bar wearing a Rolex? Something that used to be quite aspirational. I see guys in their 20s wearing Rolexes. It's crazy, hey. I'm like, "What the fuck? I had a Cassiote." You don't even have to watch it. Yeah, we're all going to the satin. Yeah, yeah, yeah. That's a lot of work. Yeah. Sort of like, the world's gone mad. But again, I think it's really interesting that this shit that's happening, we seem to all be just falling straight into it. No one's coming to save us. We've got to save ourselves. So, with that being said, then, Jihal has kind of infinity's method of vol, since we've last caught up and water. What can Aussies do to get ahead? Is it, we should be rent-vesting? Should we be buying the inner rock, paying it down, and then investing in the equity? What's. Rent-vesting's a really good tool for certain people at certain life stages. Even some really good respected buyers agents out there now have gone on from bought their $10, $15 million homes eventually because they've got there from rent-vesting, but eventually you need a home. Right? And hopefully you don't have debt on it, and that's your safe haven, and then you can leverage that and do more investing. Rent-vesting typically works with a younger older because you need to have a time in markets. You're not coming to the market? It's the time in the market that yields the result. You're seven to ten years. Spend the time in the market, and if you're going to rent-vesting, I'm going to buy my home in three years, and then your wife gets pregnant. Natural thing, your wife gets pregnant. What are you going to want to do? Get a home. Okay, now I talked in the other episode about these younger couples, younger people, rent-vesting right now and selling for a loss. Yeah, there's a really scary trend because they buy. They might pay $30,000 stamp duty, say. And they rent-vesting in three years later, they're pregnant. Of course you're going to want a little unit or home, aren't you? Now, they're on one income, and they want to buy a home. So they need their money back out of their investment, and the whole rent-vesting strategy is fucked. If you are not prepared to wait seven to ten years for that investment to yield a return, you should not rent-vest. I like that advice. Think about it. If you are not prepared to wait for the capital growth, you're going to get some rent, you're going to pay the loan. It's going to be probably negatively geared somewhat at the moment, $100, $200 a week, and you're now off paying an amazing rent for where you want to live in Bondi, Kodjiwara. You know what I mean? Like, you've got to wait seven to ten, eight, ten years for that to. Okay, you might make money in two years, but then, okay, your wife's pregnant. You want to have a home. So now you've got, how much did you make after stamp duty and agents fees and solicitors fees to actually have a deposit less CGT, 50% discount? I started with 100. I got 180, because it was in two, three. Like, you need time. So I just think that I've done a lot of rent-vesting very successfully for customers, but I've been around for 25 or years, and our business has been going for fucking 13, 14 years. Like, we've got that history, and they've had time to get a return in various markets. Most people aren't prepared and lack the emotional intelligence to see through the investment period required to get a return. Good advice. That's the truth, though. Like, cut through the shit. Like, I'd love heaps of rent-vestors to come to me, and I've got a brokerage, and I've got a buyer's that come to me, and I'll help you. No worries. But is that best for you? When? You could buy your first time with very little fucking deposit right now, with all sorts of incentives and grants, and buy something unemotionally. Maybe not exactly where you want it, but you could get in the market, right? And then a year or two later, if your circumstances change, could you rent that out? Or could you sell it free of C-G-T? So isn't your best fucking step to use every benefit advantage and grant available to if you qualify, and get in now because property never gets cheaper? And then if your circumstances change, you've got a tax-free asset to sell. You don't get kicked out. And or you can rent it out, but then you've got the six-year rule, haven't you? And if your computer has got a house, there's no tax on it. If I have to go and rent or live with mum and dad while we have a baby, sweet. We've got six years to sell it. Still don't pay any tax. What if someone's bought their first-tone occupier, they're really happy there? Would your first advice be to pay down the mortgage, or if there's good investment opportunities go for the investment? Here's the sad truth. Those people think that a five or six percent return in their Superfund or real estate or something like that's really, really good. Unless you're getting the 38, 40-year average dock will still just set on all my stuff is 6.8 percent per annum for capital cities over the last 40-odd years. That's only good if it's compounding. Because if it does, it's not, so everyone thinks the property cycle is seven years. It's not. If it grows at 7 percent per annum, compounding year on year on year for ten years, it will double. Some idiot years ago in the pub, "Oh, seven years of property cycle, you know, you fuck stick." It's 7 percent per annum year on year on year for ten years. So if you've got your home, you're paying it down, you're like, "What do I do with my money? This is where America's fucked. They're all told, pay minimum payments for 15 to 30 years fixed, and invest your other $400 into the market." Like share market, mean? Mark, share, as fucking funds, $400 investment. Even if you get a 100 percent return, you've got $800. Yeah? So I go the other way and say, "If I can get a guaranteed 6 percent return by not paying the interest, and I can redraw it and then go and earn six, save six and earn six, and the six percent I pay on it now is tax deductible because it's an investment loan, not a home loan." You should never invest with cash. Agreed. Cash is trash. So all these people that go, "I pay minimums on my home loan, and I invest my surplus, cash is a dumb fuck." Because if you pay the money off your home loan, you save 100 percent of the six percent interest, you can redraw it, and if you use it to invest, what did you do? You turned home loan debt into tax deductible investment facility. It's a double bubble, but none of us do it. And sadly, we're probably told the wrong shit by the people we trust. Should people that have their home loans paid off start a redraw facility off that to use it? Like as a. Well, if you've got a home loan paid off. You've got a cycle debt? Yeah, if you've got a home loan sitting there right now and it's paid off, like I never close a loan. Yeah. Ever, ever, ever. You get a dollar on there or something. Yeah, well some banks doesn't. Some banks if you pay it to zero, it's over the loan goes, but you've still got a discharge it, you'll hold the deed. Yeah. I never close a loan because a loan is like a fucking golden ticket to the fucking chocolate factory. It's like, you've got a loan approval. Mark Wilson says, "It's like a guy, it's so hard to get money now. Keep it forever. I use it like a credit card overpaying my loan, get a couple hundred grand, draw it out, draw it out. Should people do that?" So say, say, for your example, your clients that are, you know, done really well, they've paid it off, and they've got that little gold on ticket access. Yeah, they just keep using it. They keep using it. They just keep cycling. They don't need to apply. Yeah. Don't need to provide any document investment. They've got to get on investment, cycle it, turn it off. Off you go again. And then on that next one, because we've paid off our home, we actually start paying down deductible investment debt. Yeah. Because people wait at interest only for it to go up. We're saying, "Well, we've got cash flow now." So my clients are performing multiple times better than the average investor because we're paying down an undiductable debt. That gives you a huge service ability when you don't have a 30-year undiductable debt. But we can use it again and it becomes deductible debt to go and invest and create more wealth. But then we also got cash flow down over home loan. We choose to pay down the deductible debt. Some people good, some people not. That's double bubble. If the property goes up and I pay it down, I'm twice as wealthy as the investor who just stays at interest only. With, yeah. No tax on the primary. Yeah, that's smart. And you get to say your tea saving on the investment using that car. And then if the investment property, last set, is subject to the CGT discount. Okay. I bought for 750 and it's worth a meal. That's a really good return. Does it mean it will go up to 1.5 in the next five? I don't know. I think 250 on a 750 is a pretty good return. Fuck, I'm going to take my 250 and I'm going to go put 125 on 125 down as deposits on two new properties. And you can just double, double, double. And if they each keep growing at 5 or 6% or 3%, the more assets I have under, think of Airbnb or Uber. They don't own the houses or the cars, right? The more assets I have under my control, just growing at 5% to 6% per annum, the more I'm creating. Do you think that's the main, I think, you know, for people that just like you said in the other podcast, you know, people just look at it and because they don't know, they just go, "I'm just going to, it's too hard. It's too hard. It's too hard. So many people have been burnt. I meet so many people and say, "Gram, I've followed your socials for two years now and I was a bit scared, but I've watched 38 podcasts of people that have been successful or someone's been with you since 20, you don't have customers from 2012 or 13. They're still our customers at our events and on podcasts. You've got to do something right to keep a customer in our industry for 12 or 13 years. To come and sing your praises. There's a lot of opportunity to fuck it up in 12 or 13 years." So people watch for years sometimes and they're like, "They come and they're like, "I've been burnt. I did this. This happened. 90% of the time in real estate, they tell me that they bought something, whether it was through an advisor or not, but they bought something and five years later they sold it for a loss." -G-Hat. -That could be multiple things. I don't think that's just that they paid too much at the beginning. I think it's that they didn't wait the time, the costs involved the heavy in real estate. You've got to have a long-term view for real estate or do something different. -How do you decide on where to suggest to your clients where to buy and what are the red flags on the real estate purchases that you see? -Yes, I think for us we're really focused, as I said, on near new to new mostly. We like to, so all developers out there need what's called presale. So, you know, they buy a site, they're a developer. They're not really the person doing it. It's the bank. The bank has all the risk. So when they're developing something, I understand deeply that the bank needs them to sell, say, 80% of the project, like at Stockland, say, Len Least, whatever. If all the land, you've got to sell 80 at the 100 blocks before you get a check to build it. Cool. We'll go in there and negotiate and say, "If we sold all 80 this weekend, what would the price be?" Oh, fuck, I don't care. Reduce the commission. And we'll go in and buy all 80 together as a community in one weekend in an event. -Can you come to Camerun? -Oh, shit. We've done it before. -That's. -But, in that case, we've got our commissions in this. No, we actually, we've been in a room before where developers like, "Oh, hey, if we can do that project this weekend, I'll throw an extra 20 grand a deal on the table." So I walked in, got on stage and said, "Everyone, if we buy 76 units today, we're all getting an extra 20 grand. And he went, "That's right." -And he went, "That's right." -At the back of the room. "What?" So, true, but he's like, "I'm not going to take it because if you, when you come back and you do another three transactions with me, everyone's allowed to make money. It's about how transparent you are in the money you're making." Yeah? I can do existing residential property in my buyer's arm and my business. I'd get paid in 30 to 45 days, super quick, it'd be great. As opposed to saying, "Hey, let's go buy and see, here's my motto. I use Labrador down here at E.I. Board a sub penthouse for $1,850,000. Okay? $1.85. I put 185 grand down in 2021. It settled in 2024 and it was valued at three and a half, four million bucks. Where do you get 100% return on your investment? If I bought today, settled today, what's my property worth? Whatever the fuck I paid for it. Okay, so I've got to wait at least three months to get a new bank valve or do a Renault or you know, I've got to wait. But if I, and I've got to get tenants and I've got to pay the loan and I've got to get income, I can deploy a deposit. This is my personal wealth. I deploy a deposit and I wait. And luckily we're in a growing market and I always seem to be able to double my deposit. If they in primary markets, I can use specific to say Queensland or like major metropolitan polls. I can use that to say that. That's what I'm saying. So I'm just going to put the deposit in there. I'm going to put the deposit in there. I'm going to put that in there. Or you can have a simultaneous settlement or contemporaneous but yeah, I always hold them, settle them, let the market do its thing for a while, see if there's anything wrong with it and then flick them. Like I've got a penthouse settling in main beach shortly called Lagoon. I bought one penthouse, my client bought the penthouse next door. I'm just fucking going to do it. It's got two levels. It's got a pool. I'm going to fucking leave. I could leave there for CGT. It's only around the corner. I could just fucking sell the thing and get the 50% CGT discount. Got something. You could green out and I know like we've got stuff so much stuff going on but I'm just putting deposits out. I don't even have to worry about the debt. I need to know I can service the debt and settle it but I'm making my personal well in a growing market now. This will turn. When our market settles and subdues, that won't be a business model for me personally or for my customers. That's the truth. Can you forecast that? Can't forecast it exactly. We could have a world war or a. You can monitor the data for construction costs, valuations or preysles. We can see the data pretty live these days. It's pretty accurate, pretty quickly. You can see the trends but you can get a false reading like Perth. You can sort of model those trends. When you're dealing with thousands of transactions a year or you're dealing with hundreds in your community, you get pretty good at it. You just got to pay lots of fucking geeks. I'm like I'm not the king geek. I pay lots of really geeky brainiac smarty people to do all the data to go, "Oh, this market slowing down or there's some mortgagey in possessions in these suburbs because something shut down." That's why 30 to 45. I look at property investing as a pizza. Cut it perfectly if they even, kids even cut it these days. I don't know, pizza bit clearly. But think of a perfectly cut up pizza pizza. If I'm 30 to 45 minutes of a CBD, anywhere in Australia and close to it to oceans and beaches and that up there, you can see where everyone likes to live, I want a pizza pizza to be education, transport and logistics, healthcare, support and to. Just see what I'm got. Whereas if someone said back in the day like I've seen someone recently, they come to me and they had multiple properties up. Where the fuck, what was it called? LNG plant, fucking. Not Dysart. Gladstone. Now everyone got pumped in Gladstone years ago. Don't go to these mining towns blah, blah, blah. These people have been told to go there and get a couple of properties. Days on market was fucking horrific. Astrid. You can't exit an asset there if you want to quickly. Valuations and categories for lenders and people don't understand. They're restricted lending. You need big deposits because they're hard markets. Astrid, the client, why didn't you just buy for that? You could have bought on the outskirts of the sunny coast or 15 minutes from the beach on the gold coast at Benoa, Ashmore and they're like, that's just what the person told us to do. It looks like it's growing. I'm like, it's got a horrific past. I'm sure it will grow eventually but what is the pizza consisting of in Gladstone? Tell me. Just mining. And we went through the white border and went like port logistics. Like really mining, you know, LNG, you might. Like this, what is the industry there? Where's the healthcare, education, sport and wreck to go to cans? Very heavily tourism. That makes sense. So like Newcastle back in the day it's pumping now but it used to be. There's still works and then it fucking shit the bed for years. So I like to think of investing and I say for people at home, if you're scared of paying for advice or you're scared of being someone ripping you off, please think of investing like a pizza. Think of nice even sections of a coin. If someone's going to rent here, what do they do? And if I lost mining tomorrow, will my Gladstone property survive? If you lose one slice of pizza up, most parts of Australia are okay, are I? But if you're in Gladstone and you lose mining, you're fucked. If you're in an army town and you lose military, you're fucked. If you're in an ag area, you know, central Queensland or not, and you lose agriculture or they're fucking banana season or you're fucked. Makes sense. I just want to say a comment, saying to pizza. Hello! Thank you. Thank you. Thank you. Thank you. Thank you. Oh, this guy makes it so simple. He's not very smart but it fucking works. It's like $100 million of that's it. It's simple. It's not a fucking mocha chocumac gelato. It think of very simple white coffee. But those won't mind that people just so willingly will go and listen to that advice and just buy in these things. You know, just committing personally on such a financial level with people that probably only have one investment property themselves. Like I just. Well, we talked about this down ages ago. We used to help in a client in Springfield, right? People go, "Oh, I've switched as fucking the bum hole of the earth." It's fucking 30, 45 minutes from Brisbane City. And I know Dan was helping a client in Springfield Lakes, master playing community, right? Great data. The Brisbane Lions have built a stadium. It's a matter of cancer research, hospital, hospital, train, all this pizza is so supported and it's 30, 45 minutes from Brisbane. Doesn't mean you work where you live. It's a commutable distance. I remember I was talking about that for one of your clients who were working with them. But then I had someone. We were talking about someone who was like, "Oh, that's fucking hip switch." And I'm like, "It's not. How many properties you got? I'm renting." Well, then don't fucking talk to me about property. And I'm not being disrespectful, everyone's got an opinion, but you write it, "It's so simple. It's just common sense." I said, "I'm doing good. Don't come pay me a cent." But listen to this free common sense information and think very vanilla. Get away from gimmicks. Get away from boom towns and think somewhere that has a private hospital, a public hospital, a rail network, common sense risk. Because that's de-risk in your investment. No, I'm not saying. It's the same reason, you know, you look for properties that reason why people would want to rent it to the same reason why people want to buy it. If they fit those both components, you're pretty close. And a big thing too, I saw to people in that pizza strategy, think about the exit before you enter, because buy and hold is in a strategy. It's been around since Adam and Eve. You developing? No. Was done a little bit over time. I think as well, everyone should stick to what they're good at. We've talked about this over you. We can't do 100 things, Kev. Do fuck. I'm really telling you what I'm like, Kev, don't do 100 things, bro. Hey, Jim, I've got this business. I'm like, that's 113. I don't learn from my business. Yeah, I know. But it's like, if we have a joke about it, it's good. It's really good to bounce off other people that are hungry and driven. But it's like, what are you great at and stick to that? For me, the data is really easy to interpret and look at that common sense. I do this live and say, let's build a pizza together. What's the data for this sector of the industry? This and we work through a pizza process. And it's like, that's a really stable economy. Okay, if I buy in that stable economy and I'll always say, exit before you enter. Who will I sell that investment to? That's what I think. Because I'm ready to sell before I buy it. And like you said, it's going to be a person. If this person is a highly traded market or a fucking thinly traded market, like Gladstone, that's really good advice, man. Like a market price point and sector that is highly traded and highly affordable, that just keeps turning. That's where the money's like we talked about all the grant, we talked about the grants that we always knew this 5% to 2% bullshit was going to bring the market from the bottom and middle up. It was going to drive the market up. Look what it did. They're fuck tone prices. Good grant government. No, no, it was always going to happen. And they did the bill boost. Oh, we'll give you a 10 or 20. What do all the builders do the next day? Fucking up their price, 10 or 20, grid. All of this shit guys is like you did at the talk. Common sense. People want the facts. They want the truth. I've just got to a point really well of cutting through the shit and telling people this. And if you do a really good job of it, they'll probably pay you to do business with you. And if they don't, you provided a community service and you'll get traction in the market for being at the voice of reason and the truth. I'm prepared to be hated too now. Like I think after that talk, like you just touched on, like that feeling of actually like. Wait, wait. Wait till you get your first five videos done on you and then call me when you're on your 500th video. I don't know. That's like the final boss of hate. But just. It is true. It is true, but like you've got to, I was helping mentor a buyer's age, a young lady and she's like, oh, blah, blah, blah. And we did a couple of sessions together. And then I said, are you prepared to be absolutely fucking hated? It's just, oh no, I said then you're in the wrong industry. I just, I just hate it. Half the sum of shit that agents do, like it's criminal, like it's criminal, you know. And it just gets protected and it's Australia-wide. What's funny is I can finish, when my staff are buying and no, most of the agents who are, I can finish the agent sentence before they do. Because they're just parroting what they heard before them and they just wrap it. I was like, factor. Yeah. Copy paste. Same thing. Copy paste. So. So, I think a lot of people, if that helps, that analogy, take a pizza approach to it. That's great. Really simple, very vanilla, plain, white coffee. Don't go the mocha choker, fuck it. Just keep it really simple and expect to not make any money for seven to ten years. Look at it in eight or nine years and I think you'll do really well. And stick to what you got out. Yeah. Like, don't go, oh, you're climbing. I'm going to develop and subdivide. Are you? Why isn't it developing knocked on your door because the land's so profitable? Yeah. It's fucking great idea. Yeah. Pleas. You can get money, it doesn't make you develop up. And then you've got to exit it. Yeah. And then you've got to do it with integrity and then you've got to warrant it and then you've got to make sure it has a win for the customer if you're an ethical developer. You want to create communities, you want to create value, you don't want to just sell. So this is the thing in society. Everyone's selling something. The moment I realized everyone was selling something and I wanted to actually give instead a sell, I've sold more than anyone on the planet. I don't have to sell a sell through education. Educate and empower and everyone will come screaming at you. We decline 23% of the people that apply to work with us. 20% something each month. Client base? Right. Wow. And they pay money. 1000s. I think at the moment subscription clients, I think we're knocked back if you're asking I think we're sitting at like four or five thousand subscribing clients paying us to work with us right now. So retention rates above 80%. But when we do an event, I'll use a round number. If we have 500 people on a paid master class with a money back guarantee, I usually refund like two to three people on day one because they're like, oh, I just quit my job. Boy, I can't if I can help you, bro. Money meant or not money magician, right? So out of 500 people will refund like two or three people on day one because of their circumstance. They thought we could waver wand out of that balance of 490. Well, typically by the end of the two days, about 83 to 87%, depending on what's going on, we'll pay us thousands of dollars to want to work with us ongoing for a year in a subscription and we say no to 20 something percent. So we get 400 I want to sign up and then we'll say no to about 80 of them and we'll work with the three 300 in something called just using those numbers and we'll take them as a client and work with them for at least a year. Average client now staying for a couple of years. Wow. So it's pretty powerful. But they get to be part of some people, they just always joke and say, you need to put your trolley. How do we be a client? You got to put your trolley back at the shopping center for a start. Just simple little thing. I mean, like, if I hear people talking about other people, like, people talk about me and I'm like, I don't fucking know you. I'm not going to talk about you because I don't know you. I can't actually make any accusation, allegation or determination until I've sat with you and you've been a good or a shit human being to me. I hate people discuss ideas and make change. I can tiny-minded, sad people discuss other people. Here we are wanting to give and help and grow and then after these podcasts, we'll see more videos of me and now more videos of you going these guys. Then I went to the fact they're talking about. I'm going to be out. But there'll be thousands that go, oh my God, I did this and it helped me. You guys have seen it. You've got the messages. It's all the parallel, right? What'd you say at the start? I was like, yeah, 50 percent or height, yeah, 50 percent or love you. It's half and half, right? 40 and 40 and some don't get up. But the ones that love you, that you really genuinely help and don't just sell to, the ones that you change their lives and have impact on and generationally, like Oscar I talked about before, his parents are a client, now Oscar's a client and his brothers are about to be a client. That's generational impact and his kids. Yeah. Just to wrap this episode up, I don't know if we've tipped over now or now. What's the best piece of advice every Australian needs to understand when it comes to property? Everything you think you know is a load of shit. I love that. Ready for this? Always buy the best house in the worst street. Always buy on the high side of the street. Make sure that it faces northeast for sunlight. F*ck and wha, wha, wha, wha, wha, wha. And then you're going to be a mother, I drive a high luxe because they're unbreakable. Come on, like cut through the shit, like cut through the shit. These are the next five boom suburbs you need to know on a social media ad there's no such thing f*ck went. Do you know what I mean? Like pizza, 30, 45 minutes of a CBD. Forget the f*ck. My marketing is like, hey, my industry's f*cked here's the out. I got booted out of financial forums and my staff because Rachel and I didn't add and said which went on, did the research FB double A MF don't went, hey, the average mortgage broker in Australia to 20,000 people, this many people write this much, this much and this much, 91% of our industry are f*cking nowhere. Our industry is driven by about 9% of people doing all the work. 91% chance of brokers are flop. So we went out with that and said they earn this, they do this many loans and at here at our business, our brokers sit in the top 9% they actually sit in the top one or two. If you want some free advice, here's the info, do it, but be aware this is the industry statistical standard. I got booted out of forums, got hate posts, your name and I'm like, I just told the truth. Oh, you done his validate, how much of a f*cking flop you are and this will go on their post. You can't be angry at not being above average. Just accept that you're average. That's okay. I've been average at heaps of things in my life. Like, my way. That's alright. But I don't, don't be upset that your average if someone has more impact than you. Don't be jealous. Don't be jealous. Yeah. And don't get upset if they call out, I'm not going, marry you're a f*cking incompetent sod. That's not okay. Right? Like anyone doing that, you got a problem. I'm saying in our industry, here is the statistical truth. And if an industry gets upset by that, that industry's got a f*cking problem. You're saying. Spot on men. 10%. 10%. 10%. So, everything they think they know is bullshit. Stop listening to toothless Timmy on the tinny. He's my alter. He goes head chef at a barbeque in the air. Stop listening to that sh*t. What you want to do is take a very simple plain white coffee, pizza slices, 30, 45 minutes. If you don't trust someone, do a lot of research, put it together and do it yourself. And that's sweet. For me, somebody, if not you, do something, right? You need that seven or ten years, eight to ten years to make money. Look for something safe, stable, close to suburban, your hospital school, and just have a crack. Don't buy an extor. That will be f*cking horrific, you know what I mean? But just have a crack. Don't keep your old home and think it's an investment property. If it was so f*cking good, you wouldn't have moved out of it. And you bought it as a home, not a high performing unit. Because you live there. Doesn't mean anyone else wants to f*cking live there. Like sell your old home, buy your new one, then buy two it. Like all this simple s*t we could get into. And just do your homework before you jump. Like everything I do has a money back guarantee. I refund people all the time. Sometimes I don't even want their money and say, "I'm not going to rock right for you." Make sure people are going to work with you. Ask them if they've got a money back guarantee. Okay, if I pay you, what's the risk? Can I show you a question on that? Would you? I'm going to scenario in my current business where. Oh f*ck, I'll just say it. I've got a. Tomman's paid you? Yeah, someone's paid me. And you've done the work? I've done. And they're not happy with it. They wanted all for free and want the money back. Yeah. Costs to do in business, giving the money back until they're a sh*t human being. Would you do that? Just give them. Rather, because I can. Absolutely. The paid the engagement fee and I could just take a. I knew what you were going to say before you said it. And you could imagine. I don't even have to say what type of client you'd already know. I know. Would you. Do you need a degree for sure? Would you give. Would you give. Just give their attention and just. Oh, would you. I'll tell you what I would do. Exactly what I would do and I'd done it recently with the client. You paid X amounted, let's just make up a number. You paid $1000 for this service to be provided and you agreed to that engagement. I went and provided all of this of that service with the following outstanding items and you've decided you don't like it. Before what you paid for, I've provided eight of the ten services. Please tell me what you feel is a fair ethical moral resolution for you not wanting to proceed with the service. That's okay, you don't like the suburb name if it was a property. You don't like the bank if it was alone. What is a fair ethical moral resolution? Because you're a consumer, I'm a business, I've had costs incurred, time, labour and energy in this. So do you think it's fair? I'm just asking you, please, in email, I'm happy to just work through it. Do you think I should give you back $500? $800 or the $4,000? Now this will validate the type of human being they are. If they're a shit human being, take great pride in giving them all the money back and letting them know they're a shit human being. That's how I built my business. Because I always say I had a nice big set of balls on me but the being kicks so much, I got two fucking marbles. Because I used to spend so much time debating with these people, they are a shit human being. If you pay for a service and the seat, you don't go to Mac as eat the big mountain and go, "Oh fuck, I've got the runs and I feel a bit bloated and I put a kilo on this week." You fucking chose to engage it. You're a grown-ass adult. I used to get it a lot. I don't now. I refund them. I won't even engage with them. And I can pick them really well. And you know them? I fucking know the exact type. Right. And I was like, I have this policy in my business to not engage in that type of human being. So what I would do, I would change your engagement documentation contractually to say if it's basically a dispute resolution process, if you engage us and you pay the fee and we do this amount of work and deliver it to you. And for any reason we're in dispute, the maximum refund is 50% and we would be suffering financial loss. So I'm here that you agree that if you don't like the work or you're getting back $500 and I'm getting fired and I still lost money for all the work I did. I like that. You're a business. You're not a charity. Change your engagement contract. And you say, I know you love me at the moment and you think, if we get divorced, let's talk about the prenum. And do you agree that if I go do all and you record it and I do all of this work for you? Do you agree that it would be unfair to get all your money back even if you didn't like it? You still got the knowledge you got the income and I did the work. I can't undo it. Let's agree. You got to sign here now because before I get, if you did that to me, I'm keeping $500 and the most you can ask back for $500. If I make a mistake or something, or I did, sure, I'll give you your money back. And that's how I built this business, been so confident that I gave you my money back. Fuck off. More for you. But I'm a bit cheeky. I document those people in a little black book diary thing. People are like, I don't think that's a good idea or this than that. And I used to reach out to them and be like, hey, this is, I'll give you a really good example. I had fucking years ago, someone's like, oh, a little one-bedroom unit and I bought heaps of them. Oh, it hasn't gone up in value. It's fucked with lost money. So we're $225 to $265 grand and literally today, 10 years later, they're all selling for fours and five hundreds. So these people put deposits down $20 grand and have doubled their money from that time. $40 grand and doubled their money. But in the first three to five years, they're like, I haven't made any money. You're not meant to. It's a long term transaction. So I bring you your financial planner and go, hey, you know what I've bought? The market wiped out many trillions of dollars last week. Can I have my money back? You've got to wait. So from, and I know it's hard, smaller business. It's very hard. It hurts. But the time and energy you'd spend on emails, calls, back, emotional distress. I just, I would go back and say, in the spirit of a full and final resolution, I would like to understand because I've done ABCDE and you say, what do you think is a human being is fair and reasonable for us to resolve this today? See what they say. It'll tell you the color of their cloth. Okay. And then you know what? You say that's fine. Then you fucking get rid of them. But you then give them a contract document from your lawyer, whatever, and say, all right, I'm out of pocket. You're a fucking sheep human being. You're going to sign this document because if I'm giving you all the money back and I'm suffering financial loss because you're a flog, that's the sort of person I call a McNugget. He doesn't eat them. He's jacked. But if you had like a cold drive through a nugget or Uber Eats, by the time it gets home, it's cold, it's dry, it's nasty, you don't have any sweet and sour sauce, nobody wants that. So let those nuggets to themselves. Shuck them in. They're being, just let it go. Sting frozen. Let it go. That's really good dialogue. It's going to save me wrap up for agents because I know they get a lot of keep back on that on comms as well. On the sales comms, found a performance. So if you're an agent listening to that, you could tweak that and really use that dialogue with your sellers. Yeah. Definitely. And so I want to say a big thanks to view.com.au for powering this podcast. Thanks G. Now before we wrap up, we've got a nugget. A good nugget. A good nugget, not a dry nugget. I got the pen. Let's go. Okay. Let's do something to help people grow. Hit us. So when we did episode 60, 67, 68 and 69, I said I'd give away 20 grand. So all I wanted people to do is if they're enjoying the content, I wanted them to go back and share the learnings in like a 90 second story on Instagram or Facebook and somebody would win 20 grand and we go away 54. 50 grand. We jacked it right. Yeah, but it went to 50. We jacked it. So let's give away 50 grand. Boom. Boom. So let's give away 50,000 dollars and these are the rules. We're doing a lot of these because by the way, guys, the theme of these pods you're hearing from the legends here that are putting these out, these are from hundreds if not thousands of people over the last two years saying we want to pick Graham's brain more on this than the guys wanted to know stuff. This isn't shit we're just creating for you. We're recapping some old shit. We're talking about some new shit. So to help people grow and learn like Casey and Lenny last time, Casey and Lenny won that actually become a client and build a business and amazing shit off the back of that. So here's the thing. We're going to give away 50 grand. We're going to give away 25,000 dollars to one family that goes back to both sides podcast episode 60, 67, 68 and 69 and shares an up to 90 second post of, hey, what I learned in episode 60, both sides from Graham and the boys, they're going to share it. They're going to make it into a video, get your kids involved, not funny, whatever. What you learned from one core thing from each episode, after you've done 60, 67, 68, 69, you're going to do episode 139, 141, 142, 143 and there's possibly a 145 and we'll tell you at the end of that based on what we're doing. There's nine episode eight or nine episodes there from old to now. One person shares all of their learnings from each episode after they listen to them get the family involved, did you learn health, wealth, financial, what did you learn business investing. One person will win 25,000 dollars which will all be judged by us. We don't need trade permit, whatever we're going to judge it against our internal criteria. It's just our little giveaway for an avid new listener or existing. They'll get 25 grand. Five other people, so people don't think fuck it, don't have a chance. Five other people will get five grand each for the same protocol. There's eight or nine episodes, share one learning, tag all of us on socials personally, plus the both sides podcast and myself or money mentor on Instagram, Facebook and we'll give away 25 grand to one lucky family and five grand each to five other like families. Out of five of these. You're already giving money away. We've got kindness king today. 50G is on the line. That's nothing to be nice in this case, cost me 50G's. Not tax deductible, just giving it away. There's a hundred grand to make a hundred grand to give away 50 grand. Fucked up. Anyway, it's exciting. I want people to learn. I want people to grow if they can be one percent better from each episode that we've ever done together. That's my fucking community service. I'm happy with that. And make sure you're a council on private otherwise we can't. Yeah, we can't fucking share because we need to share it so people know it's real, right? Can Jackson please resend another video? Oh, here's a legend in the hand. That's quite, yeah, he was a cracker in case you're learning that one lovely people. So that's the gig. That's what you got to do. Obviously, you can go along the way as each episode drops, but it won't be judged until after all of them are dropped. And then we will do a formal announcement on the first of March because obviously everyone will have the holidays through Janine to Feb back to school and work. Last of March we'll do a little tiny little pod together, pump it out, we'll be calling winners live on FaceTime and shit I guess or socials and we'll give away 50 G's on top of the other 10 G's and 12 UPW tickets and a partridge and a partridge, a partridge, a pear tree, Merry Christmas and Happy New Year. Happy New Year. Happy New Year. Let's go. J-men. If anyone over the Christmas period that wants to get a better understanding of what their properties were, maybe you want to look about upsizing or downsizing your family home or even search for your next investment, definitely look at view.com.au. Hey guys, thanks for tuning in to another both sides podcast. I just want to say a big thank you for the support up until now. If you've got value from the episode, could you please go like and follow us on the social platforms. For example, Spotify and YouTube as it will help us continue to get better quality guests. Bye for now.