Episodes
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If you’ve ever felt like you’re playing a game of property monopoly in Australia, but someone else got to pass “Go” decades before you and now owns half the board, you’re not imagining it.
That “someone else”? It's the Baby Boomers. They’ve won the property game in Australia.
Not just because they got in early, but because the rules of the game have increasingly worked in their favour, at the expense of younger generations.
Today leading demographer Simon Kuestenmacher and I chat about whether the Baby Boomers really did have it easier or not, as well as how younger generations can catch up and build their own property wealth as well as how younger generations can catch up and build their own property wealth.
We also discuss the impact of debt, changing cultural expectations regarding home ownership, and the challenges faced by Generation X.
Takeaways
· Baby boomers have a significant advantage in property ownership.
· Younger generations face higher debt levels than baby boomers.
· Cultural expectations around home ownership have shifted dramatically.
· The Bank of Mum and Dad plays a crucial role in helping younger buyers.
· Rent vesting is becoming a popular strategy for young investors.
· Generation X is squeezed between supporting their children and aging parents.
· Policymakers need to consider strategies to make housing more affordable.
· Long-term strategies and education are key for younger generations.
· Every generation faces unique challenges based on their historical context.
· Wealth transfer from baby boomers to younger generations is significant.
Chapters
01:55 Introduction to Generational Wealth Dynamics
02:49 Wealth Distribution and Baby Boomers
06:35 Challenges for Younger Generations
12:31 Cultural Shifts and Housing Expectations
17:01 The Squeeze on Generation X
20:36 Emerging Trends: Rent Vesting
22:18 Policy Recommendations for Future Generations
Links and Resources:
Answer this week’s trivia question here- www.PropertyTrivia.com.au
· Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time.
· Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond
Michael Yardney Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Simon Kuestenmacher: Australia’s leading demographer and partner in the Demographics Group
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to our other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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Today, I want to talk about something that’s really flying under the radar—but it shouldn’t be.
Imagine being taxed on money you haven’t actually earned. Not on rent you’ve received, not on a capital gain you’ve banked, but just on the increase in value of an asset you still hold. Sounds crazy, right?
Well, that’s exactly what the federal government’s proposed new tax on superannuation above $3 million aims to do—taxing unrealised capital gains.
And while they say it’ll only affect a handful of wealthy Australians today, the truth is—because that $3 million cap isn’t indexed to inflation—it could very well affect many, many more of us tomorrow.
Worse still, it sets a precedent. If the government can tax you on unrealised gains in your super, what’s to stop them doing the same outside of super? To your investment property? Your business? Your share portfolio?
So today, I’ve chat with Ken Raiss, Director of Metropole Wealth Advisory and Australia’s leading property taxation strategist. We unpack exactly what this policy means, why it matters far more than most people think, and what smart investors should be doing now to prepare.
Trust me—this episode isn’t just about super. It’s about the future of taxation in Australia. And whether you’re a seasoned investor or just planning your financial future, you need to understand what’s really going on.
Takeaways
· The proposed tax on superannuation targets unrealised profits.
· This tax could affect more Australians than initially stated.
· Investors need to be aware of the implications of taxing unrealised gains.
· The new tax policy may create a complex valuation process for assets.
· Property investors may face increased financial burdens as a result of this tax.
· Seeking expert financial advice is crucial in navigating these changes.
· The tax system's integrity is at stake with these new policies.
· Long-term planning is essential for adapting to tax changes.
· Investors should consider alternative investment strategies outside of superannuation.
· The proposed tax could set a precedent for future taxation policies.
Chapters
00:00 Introduction to Proposed Tax Changes
04:34 Understanding the Tax on Unrealized Gains
06:59 Implications for Future Generations
09:15 The Complexity of Valuation and Taxation
11:57 Fairness and Exemptions in Taxation
14:26 Investor Confidence and Market Reactions
16:57 Strategies for Wealth Management
19:36 The Role of Professional Advice
22:12 Future Taxation Trends and Concerns
Links and Resources:
Michael Yardney
Get the team at Metropole Wealth Advisory create a Strategic Wealth plan for your needs Click here and have a chat with us
Ken Raiss, Director of Metropole Wealth Advisory
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future. Or click here: https://demographicsdecoded.com.au/
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Missing episodes?
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Have you ever wondered if property development could be your next big wealth accelerator?
You’ve probably heard the success stories – investors who’ve turned modest sites into multimillion-dollar assets by building just two townhouses.
But what you don’t often hear about are the sleepless nights, the missteps, the cost overruns, the unexpected council headaches, or the “learning experiences” that chew up profit and time.
Today, I’m joined by Greg Hankinson – Director of Metropole’s Project Development Division. Greg has almost 3 decades of experience managing hundreds of successful small to medium-scale projects.
Just to make things clear… what are we going to be discussing today isn’t about becoming a full-time developer. It’s about how smart investors are adding a powerful strategy to their portfolio – one that’s backed by professionals who’ve done it hundreds of times before.
So whether you’re looking to build wealth faster, reduce your reliance on market growth, or just explore what’s possible beyond buying and holding, this episode is packed with insights you won’t want to miss.
Takeaways
· Property development can be a game changer for wealth creation.
· Understanding the current market dynamics is crucial for investors.
· Planning and preliminary research are essential for successful developments.
· Development finance differs significantly from traditional home financing.
· Identifying suitable development sites requires thorough due diligence.
· Designing properties to meet market demand is key to maximizing returns.
· Having the right team of experts can significantly impact project outcomes.
· Contingency planning is vital to manage unexpected costs during development.
· Common mistakes include misunderstanding development finance and costs.
· Long-term holding of developed properties can lead to greater financial benefits.
Chapters
01:50 Introduction to Property Development
03:10 The Appeal of Townhouse Developments
05:18 Understanding Market Demand and Supply
07:19 Planning and Strategy in Development
11:22 Navigating the Property Cycle
12:46 Criteria for Development Sites
15:52 Budgeting and Cost Management
18:10 Building the Right Team
19:37 Designing for the Market
21:40 Common Mistakes in Property Development
Links and Resources:
Answer this week’s trivia question here- www.PropertyTrivia.com.au
· Win a hard copy of How to Grow a Multi-Million Dollar Property Portfolio – in your spare time.
· Everyone wins a copy of a fully updated property report – What’s ahead for property for 2025 and beyond
Join us at the Ultimate Property Development Workshop in Sydney on 19th July
Click here for all the details https://realestateworkshop.com.au/
Greg Hankinson - Director, Metropole Constructions
Interested in getting involved at the “wholesale” end of the property market? We’ll help you become a property developer. Click here and find out how. https://metropole.com.au/develop/
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Michael Yardney – Subscribe to my Property Update newsletter here
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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Imagine this… You’ve got a strong property portfolio, you're working hard, and the market is looking good.
Then – boom – life throws you a curveball. Maybe it’s a job loss, a health issue, or a tenant stops paying rent for months.
What now?
Most investors panic. But the savvy ones? They just lean on their financial buffer – a quiet little fund sitting in the background that buys them something more valuable than money: time.
In this podcast episode of the Michael Yardney Podcast, Brett Warren and I discuss the critical importance for property investors of having a financial buffer.
We explore how a financial buffer can provide peace of mind, protect against unexpected expenses, and allow investors to navigate financial challenges without panic.
Through real-life examples and case studies, we illustrate the benefits of maintaining a buffer and offer strategies for building one effectively.
Takeaways
· A financial buffer is essential for property investors.
· Buffers provide peace of mind during financial uncertainty.
· Unexpected expenses can arise, making a buffer crucial.
· Building a buffer gradually is a smart strategy.
· Financial planning helps identify the right buffer amount.
· Real-life examples show the effectiveness of buffers.
· Buffers can prevent the need to sell assets in tough times.
· Investors should prioritize creating a buffer before market shocks.
· Having a buffer allows for better decision-making during crises.
· It's important to reassess and rebuild buffers regularly.
Chapters
00:00 The Importance of a Financial Buffer
04:08 Examples of Financial Buffer Importance
10:32 Practical Strategies for Building a Buffer
18:11 Real-Life Examples of Buffers in Action
Links and Resources:
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Michael Yardney – Subscribe to my Property Update newsletter here
Brett Warren - National Director of Property at Metropole
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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While most of us want to become rich and successful, it’s really not as easy as many suggest on social media.
In today’s show Tom Corley and I explain why building wealth is a two-step process and the requirements to not only build wealth, but retain wealth.
Takeaways
The easiest way to grow wealth in Australia is through residential real estate. Becoming rich involves a two-step process: accumulating wealth and maintaining it. Daily growth habits, such as reading and self-education, are crucial for success. Building rich relationships can significantly impact your journey to wealth. Avoid spontaneous purchases to maintain financial discipline. Isolate a portion of your wealth for retirement planning. Wealth management requires a team of experts, including financial advisors and tax experts. The habits to get rich differ from those needed to stay rich. Mentorship is vital; seek mentors who are two levels above you. Wealth is a journey that requires continuous learning and adaptation. The world doesn't owe you anything; take responsibility. We owe the world our talents and efforts.Chapters
00:00 The Two-Step Process to Wealth
03:59 Habits for Accumulating Wealth
06:43 Daily Growth and Relationship Building
09:41 Persistence, Patience, and Risk-Taking
12:21 Controlling Emotions and Building Teams
15:02 Mentorship and Learning from Others
17:58 Maintaining Wealth and Smart Spending
20:46 Investing Wisely and Planning for Retirement
23:20 The Importance of Expert Guidance
25:54 A New Beginning: Imagining Life Anew
29:59 Embracing the Present: Letting Go of the Past
Links and Resources:
Michael Yardney - Subscribe to my daily Property Update newsletter
Metropole’s Strategic Property Plan – to help both beginning and experienced investors
Subscribe to Tom Corley’s daily blog here.
Order your copy of Rich Habits, Poor Habits here
Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to or watching this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: What the rich won’t tell you. The truth behind building massive wealth | Tom Corley
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Are Melbourne apartments the most underrated investment opportunity for 2025?
For years now, investors and homebuyers alike have steered clear of Melbourne apartments—especially those in high-density towers—fearing oversupply, poor quality builds, and lacklustre capital growth.
But what if that narrative is outdated?
What if the very segment that’s been overlooked is now poised for a significant turnaround?
In today’s show, I’m joined by Stuart Wemyss, to explore a bold yet data-backed prediction: Melbourne investment-grade apartments are about to enter a period of strong capital growth.
We'll unpack the economic, demographic, and market forces that are aligning to reshape this sector, from soaring house prices and increased rental demand, to limited new supply and a shift in buyer preferences.
So if you’ve ever dismissed Melbourne apartments as second-tier investments, this conversation may just change your mind.
Takeaways
· We're entering a rare window of opportunity.
· Melbourne apartments are going to increase in value.
· Don't be the one who hesitates.
· The IKEA effect explains our investment choices.
· Not all apartments make good investments.
· Investment grade apartments have strong land value.
· The price gap between houses and apartments is closing.
· The government is boosting first home buyer grants.
· There's a supply shortage in the apartment market.
· Melbourne apartments are the most underrated investment opportunity.
Chapters
01:33 Introduction to Investment Opportunities in Melbourne Apartments
04:20 Understanding Investment Grade vs. Investment Stock
07:00 The Impact of Supply and Demand on Apartment Prices
09:42 Government Incentives and Their Effects on the Market
12:45 Market Trends and Future Predictions for Melbourne Apartments
15:37 The Role of Interest Rates and Borrowing Capacity
18:10 Historical Performance and Market Cycles
20:55 Conclusion
Links and Resources:
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Michael Yardney – Subscribe to my Property Update newsletter here
Stuart Wemyss – Prosolution Private Clients
Stuart’s Book – Rules of the Lending Game & Investopoly
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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Imagine a Melbourne the size of New York City.
Yes, really.That’s the trajectory we’re on.
By 2050, Melbourne’s population is projected to swell to 9 million people, making it not just Australia’s biggest city by population, but potentially one of the most dynamic urban economies in the world.
This isn't some abstract urban planning fantasy—it’s based on official projections and a strategic blueprint - Plan Melbourne - backed by trends in migration, births, and economic transformation.
So what does this mean for our housing market—and for savvy investors?
In today’s podcast, Brett Warren and I discuss the changing landscape of Melbourne's property market, driven by significant population growth and urban planning initiatives.
We explore the implications of these changes for property investors, emphasizing the importance of understanding infrastructure developments, the concept of 20-minute neighborhoods, and the need for medium density housing.
Takeaways
· Melbourne's population is projected to reach 9 million by 2050.
· Infrastructure development is crucial for property growth.
· 20-minute neighbourhoods will enhance livability and property values.
· Investors should focus on areas with strong fundamentals.
· Medium density housing is essential for accommodating growth.
· Understanding local council regulations is key for development.
· Investors should seek properties with owner-occupier appeal.
· Long-term investment strategies are vital for success.
· Now is a prime time for property investment in Melbourne.
Chapters
00:00 Melbourne's Population Boom: A New Era
00:29 Implications for Property Investors
01:22 Melbourne's Population Surge
04:06 The Impact of Migration on Melbourne
06:57 Infrastructure and Urban Planning Challenges
09:46 The Concept of 20-Minute Neighborhoods
12:33 Game-Changing Infrastructure Projects
15:22 Medium Density Housing Solutions
18:04 Investment Opportunities in Melbourne
20:46 Long-Term Investment Strategies
23:36 Avoiding Common Investment Mistakes
Links and Resources:
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us.
Michael Yardney – Subscribe to my Property Update newsletter here
Brett Warren - National Director of Property at Metropole
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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Interest rates are falling again. After years of rate hikes, mortgage stress, and a cooling economy, the RBA has now dropped interest rates for the second time this cycle and there are more rate cuts to come.
But what does this actually mean?
Is the worst behind us—or is this a sign of deeper cracks in the economy?
In today’s Big Picture episode, I’m joined again by leading financial commentator Pete Wargent as we unpack the macroeconomic forces shaping our housing markets and the financial outlook for Australians.
Of course, the headline is the Reserve Bank’s decision to cut rates on May 20.
But there’s so much more going on behind the scenes—consumer spending is tanking, the construction sector is in crisis, our population is booming while new housing approvals are plummeting, and unemployment is quietly starting to rise.
We also explore whether this rate cut will fire up another round of property price growth, how investors are likely to respond, and whether inflation could make an unwelcome return.
Plus, we’ll take a step back and look at the global context—what’s happening with the US Federal Reserve, China’s economy, and what all of this means for you as a property investor, business owner, or just someone trying to make sense of the chaos.
So whether you’re wondering if now is the right time to buy property, refinance, or simply want to stay ahead of the curve, you’re in the right place.
Takeaways
· Market signals indicate a turning point in property investment.
· Falling interest rates are expected to boost consumer confidence.
· The narrative we tell ourselves can limit our potential.
· First home buyers are likely to enter the market soon.
· Melbourne's population growth poses significant infrastructure challenges.
· Consumer confidence is crucial for property market recovery.
· The housing market is facing a significant shortage of supply.
· Government policies need to align with housing demand.
· Long-term investment strategies are essential for success.
· Understanding market trends is key to making informed decisions.
Chapters
00:00 Global Economic Trends and Interest Rates
04:40 Impact of Interest Rate Cuts on Consumer Confidence
10:17 Investor Loans and Market Indicators
15:35 Consumer Confidence and Economic Resilience
18:32 Challenges in Housing Supply and Development
23:48 The Future of Rental Markets and Social Housing
31:50 The Turning Point in Property Investment
Links and Resources:
Metropole’s Strategic Property Plan – to help both beginning and experienced investors
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Pete Wargent’s blog
Pete Wargent’s new book, The Buy Right Approach to Property Investing
Pete’s other book – The New Wealth Way
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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With tax season just around the corner and property investors constantly navigating a shifting taxation landscape, it’s never been more important to stay one step ahead of the taxman.
Whether you’re a seasoned investor with a sizable portfolio or just starting out with your first rental, the rules are changing—and some of these changes are flying under the radar.
In today’s episode of the Michael Yardney Podcast, I’m joined by my business partner, Ken Raiss, Director of Metropole Wealth Advisory and one of Australia's leading property tax strategists.
Ken's got his finger on the pulse of what’s really happening behind the scenes with the ATO—and he’s here to share how recent tax changes could hit your hip pocket.
This episode serves as a guide for investors to navigate the challenges of property investment while maximising their wealth.
Takeaways
The ATO is increasingly using technology for tax compliance. Property investors must be aware of recent tax changes. State taxes significantly impact property costs. Investors often overlook the importance of record-keeping. Common mistakes include misclassifying personal expenses as investment-related. Strategic advisors can provide valuable insights for property investors. Trust structures require careful setup to avoid tax issues. Joint ownership can lead to complications in property management. Understanding tax compliance is crucial for long-term investment success. There is no such thing as 'later' in achieving success.Chapters
00:00 Navigating the Tax Landscape for Property Investors
01:47 Understanding Recent Tax Changes and Compliance Risks
09:42 Challenges for Property Investors
24:03 Challenges with Family Property
29:20 Investor Mistakes
36:22 Introduction to Property Wealth Strategies
38:01 Michael's Mindset Message
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan. Click here and have a chat with us
Ken Raiss, Director of Metropole Wealth Advisory
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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The election already feels like old news. The campaign ads are off the air, the polling booths are packed away, and the headlines have moved on to the next big story.
But make no mistake—what happened at the ballot box is going to shape our property markets for years to come.
In this episode of the Michael Yardney Podcast, we unpack exactly what the recent election results mean for you as a property investor, homeowner, or aspiring buyer.
After Wealth Retreat a couple of weeks ago Brett Warren, National Director of Property at Metropole, took demographer Simon Kuestenmacher and me aside and we had a conversation about what the election outcome and what this tells us about the direction of housing policy, population growth, infrastructure, and the property investment landscape.
Takeaways
· The outcome of recent political shifts will significantly influence property markets.
· Government schemes may boost short-term demand but worsen long-term affordability.
· Demographic shifts and immigration are critical factors in housing demand.
· There is a critical shortage of tradespeople affecting housing supply.
· Investors play a vital role in providing rental accommodation.
· The second half of the year may present opportunities for savvy investors.
· Current policies may not lead to substantial changes in housing availability.
· The need for skilled labor is urgent in the construction industry.
· Local councils play a crucial role in housing development decisions.
· A balanced mindset is essential for long-term success in life and investment.
Chapters
00:00 Policy Changes and Real Estate Implications
03:02 Government Policies and Housing Demand
05:57 Demographics and Migration Impact on Housing
09:02 Supply Challenges in the Housing Market
11:59 The Need for Skilled Labor and Training
15:07 Investor Perspectives and Market Opportunities
17:59 Future Outlook for Property Investors
21:49 Mindset and Life Balance
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Brett Warren – National Director Property – Metropole
Simon Kuestenmacher – co founder of the Demographics Group
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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In today show Simon Kuestenmacher and I discuss a topic that won’t stay out of the news this year with the federal election coming up — house prices.
Whether they’re climbing to new heights or stabilising, the property market has ripple effects that impact us all.
But here’s the big question we discuss today: When house prices are high, are there more winners or losers?
Takeaways
· The Australian housing market has historically created more winners than losers.
· Government policies often favor those already owning property, making it harder for first-time home buyers.
· High property prices benefit a wide range of stakeholders, including banks and developers.
· First home buyer grants tend to inadvertently drive up house prices.
· Younger voters are increasingly disillusioned with major political parties due to housing policies.
· The widening wealth gap is creating social unrest among younger generations.
· Immigration policies need to be re-evaluated to ensure housing affordability for all.
· Political parties must balance the interests of homeowners and renters to maintain stability.
· There is a need for more transparent discussions about housing affordability.
· The future of housing affordability will depend on effective government action and policy changes.
Chapters
00:00 The Impact of Rising House Prices
07:54 Winners and Losers in the Property Market
13:53 Political Dynamics and Housing Policy
19:50 The Role of Migration in Housing Affordability
25:45 Future Directions for Housing Policy
32:58 Introduction to Immersive Experiences
35:46 Defining Immersive Experiences
37:29 The Impact of Immersive Experiences on Growth
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Simon Kuestenmacher: Australia’s leading demographer and partner in the Demographics Group
Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: The Upside of Upmarkets: Winners and Losers in the Property Game? With Simon Kuestenmacher
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When it comes to property investing, the noise from the financial media can be deafening.
But how much of what they say is really worth your attention?
There are many commonly held beliefs about property investing that aren’t only questionable but are also utterly false.
Sadly, some investors go through their entire property journey believing them. And that’s a shame.
They waste precious time buying the wrong property or using faulty strategies because they listened to bad advice.
So in today’s show Brett Warren and I discuss the myths perpetuated by financial media, and the role of property investors in the Australian economy.
Takeaways
The financial media often misrepresents property investment. Investors are typically everyday people, not greedy. Property investment requires a long-term perspective. Cash flow is important, but capital growth is essential. A strategic plan is crucial for successful investing. Fear-based media can hinder investment decisions. Independent advice is valuable and often necessary. Understanding market cycles is vital for investors. Experience in property investment is irreplaceable.Chapters
00:00 The Role of Property Investors in Australia
07:31 Understanding Property Cycles and Long-Term Investing
14:06 The Importance of a Strategic Plan
19:43 Navigating the Media Landscape
25:17 The Value of Experience and Mentorship
29:11 The Importance of Preparedness
31:49 Embracing Uncertainty and Opportunity
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Brett Warren - National Director of Property at Metropole
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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In today’s show, Tom Corley and I chat about a recent blog he wrote called “Everything you need to know about becoming a multimillionaire”, so if that interests you, I’m sure you’re going to enjoy my chat with Tom.
Takeaways
There are 4 pathways to wealth and we break these down for you Becoming wealthy is really, really hard - but they are things you can do to tip the scales in your favour. Becoming wealthy takes time and requires luck. Wealth creation requires a clear vision and planning. Wealth creation is not just about money, but about personal growth. Health is crucial for long-term wealth. Optimism enhances energy and focus. Finding the right mentors is essential for success. Persistence is key to attracting opportunities. Relationships can significantly impact financial success. The world doesn't owe you anything; take responsibility. We owe the world our talents and efforts.Chapters
03:49 The Hard Path to Wealth
05:44 Four Paths to Wealth
07:47 The Role of Luck in Wealth Building
09:11 The Importance of Relationships
09:55 Vision and Planning for Wealth
11:19 The Impact of Relationships on Wealth
13:30 Health and Wealth
15:01 The Power of Sleep
16:35 Optimism and Wealth
17:54 Finding the Right Mentor
20:53 Introduction to Wealth Creation and Transformation
23:15 The Importance of Immersive Learning Experiences
23:32 The Harsh Reality of Entitlement
26:19 Taking Responsibility for Your Financial Future
27:14 The Impact of Parenting on Mindset
Links and Resources:
Michael Yardney - Subscribe to my daily Property Update newsletter
Metropole’s Strategic Property Plan – to help both beginning and experienced investors
Subscribe to Tom Corley’s daily blog here.
Order your copy of Rich Habits, Poor Habits here
Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to or watching this podcast and subscribe so each week we can unveil the trends shaping your future.
Shownotes plus more here: Can These Simple Habits Really Make You a Millionaire? Find Out! | Tom Corley
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It’s certainly been a big week in Australia—with the Labor Party securing another term in government following the federal election, there’s plenty of speculation about what that might mean for our economy, interest rates, and of course, the property markets.
So today, before we dive into the latest data and trends, I unpack what this election result could mean for property investors, homebuyers, and renters across the country, and what the likely implications are for inflation, interest rates, and affordability?
And to help make sense of it all, I’m joined by, Dr. Andrew Wilson Chief Economist at My Housing Market.
We’ll also discuss the latest inflation numbers, which are finally within the RBA’s target range. But will that be enough to prompt a rate cut anytime soon?
As well as what’s happening in the rental markets, which eased slightly in April—but are tipped to tighten again in May.
So if you’re looking for the data behind the headlines—and what it all means for your property decisions, this is going to be a jam-packed episode for you.
Takeaways
· The Labor Party's election win will worsen the housing crisis.
· The government’s policies are primarily demand-side solutions without addressing supply issues.
· First home buyer incentives will lead to higher property prices.
· Inflation and interest rates are both falling.
· The construction industry faces significant challenges in meeting housing demand.
· Immigration policies will further strain the already undersupplied housing market.
· Strategic investment in property is essential for long-term success.
· The current market presents a window of opportunity for investors.
· The rental market is experiencing increased vacancy rates due to seasonal factors.
· Auction clearance rates indicate a potential recovery in the Melbourne housing market.
Chapters
02:16 Election Results and Housing Crisis Overview
05:04 Labor's Housing Policies: Good Intentions, Poor Outcomes
07:54 Immigration and Housing Demand: A Growing Concern
11:12 Supply-Side Solutions: Insufficient and Slow
13:59 The Two-Speed Housing Market: Implications for Buyers
16:51 Opportunities for Investors in a Changing Market
20:13 Introduction to Real Estate Investment
20:14 Understanding Market Trends and Analysis
23:00 Inflation, Housing Market and Oil Prices
28:20 Rental Markets Situation
32:20 Auction Results Analysis
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my other podcast, Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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In today’s podcast, Aaron Christie-David and I delve into the intricacies of successful property investment, emphasising the importance of mindset, financial education, and strategic planning.
We discuss the current property cycle, the role of strategic mortgage brokers, and how to improve your borrowing capacity while managing your cash flow.
Takeaways
The property market is entering a new phase as interest rates will continue to fall. The long-term fundamentals will drive property values up over the next few years but there will be ongoing challenges.. Taking control of your financial future is essential, the government won't look after you in your golden years.. The right mindset is crucial for successful investing. Financial education is often lacking in Australia. Investors need to manage cash flow effectively. Choosing the right mortgage broker can impact success. Borrowing capacity can be increased with strategic planning. Lifestyle choices can hinder investment potential. Investing requires grit and the ability to hold on.
Chapters
00:00 Introduction to Financial Freedom
04:00 The Importance of Mindset in Investing
06:55 Understanding Borrowing Capacity
09:41 The Role of Mortgage Brokers
12:06 Strategies for Increasing Borrowing Capacity
14:46 Navigating Cash Flow Challenges
17:33 Long-Term Investment Strategies
20:07 The Impact of Lifestyle on Investment
22:59 Scaling Investments Amidst Economic Challenges
25:35 Fundamentals of Property Investment
28:17 Taking Control of Your Financial Future
Links and Resources:
Michael Yardney - Subscribe to my daily Property Update newsletter
Metropole’s Strategic Property Plan – to help both beginning and experienced investors
Aaron Christie-David co-founder of Atelier Wealth his podcast is The Australian Property Podcast
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to or watching this podcast and subscribe so each week we can unveil the trends shaping your future.
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Welcome to another episode of the Michael Yardney Podcast.
Now let me ask you… have you felt like the sky is falling lately?
Between confusion about interest rates, scary headlines, rollercoaster stock prices and continued uncertainty in the property markets, it’s no wonder so many investors are feeling rattled right now.
But here’s the thing—this kind of volatility isn’t new. It’s just loud.
And if you listen too closely to the noise, it can shake your confidence, cloud your judgment, and lead you to make the wrong move at the wrong time.
So today, I’ve got something a little different for you—a real heavyweight conversation.
I’m bringing together two very different investing worlds—property and shares—and joining me is the brilliant Louise Bedford. She’s a bestselling author, a trading mentor, and one of Australia’s most respected voices in the share trading space.
Louise and I are going to dive deep into the psychology of investing—what really happens in our minds when the markets get messy, why fear and greed are such powerful forces, and how to stay calm, confident, and profitable even when it feels like everything is working against you.
This isn’t just another chat about what the market’s doing. It’s about what you should be doing—and more importantly, thinking—when things feel out of control.
Takeaways
• Market volatility is not new; it's just more pronounced now.
• Investors often react emotionally during downturns, leading to poor decisions.
• Long-term investors see market dips as opportunities.
• A solid investment strategy is crucial for success.
• Grounding techniques can help manage emotional responses.
• Recognizing personal triggers is key to maintaining control.
• Diversifying information sources can combat confirmation bias.
• Staying calm during market panic is essential for making rational decisions.
• Building resilience is vital for navigating investment challenges.
• Life is about constant change; our attitudes shape our outcomes.
Chapters
00:00 Navigating Market Volatility
01:03 The Psychology of Investing
02:13 Navigating Market Volatility
05:10 Understanding Investor Psychology
08:19 Identifying Opportunities in Uncertain Times
11:17 The Importance of Long-Term Thinking
14:19 Strategies to Combat Fear and Noise
16:59 Grounding Techniques for Traders
20:10 Staying Calm Amidst Market Chaos
23:20 Recognizing Personal Triggers
26:13 The 5-4-3-2-1 Grounding Technique
29:13 Embracing Your Inner Investor
32:02 Final Thoughts and Actionable Steps
39:03 The Power of Attitude and Change
Links and Resources:
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us We help both beginning and experienced investors
Louise Bedford - The Trading Game
Louise’s new book Investing Psychology Secrets
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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After all these years in property, I’m still surprised at how some investors decide which property to buy, however it doesn’t really surprise me why so many don’t get past their first or second property.
You see… many buy for emotional reasons, and while others think they’re investing in property, for some, they’re really speculating.
In today’s show episode, I discuss common mistakes in property investment with Brett Warren, focusing on the dangers of hot-spotting.
We emphasise the importance of long-term strategies, economic fundamentals, and the need for a solid investment plan. Our conversation highlights the risks of following trends and the necessity of understanding market dynamics to build a sustainable property portfolio.
Takeaways
Investing in hotspots is often a form of speculation. Long-term strategies are essential for successful property investment. Economic fundamentals drive property value growth. Owner-occupiers play a crucial role in the property market. Avoid following the crowd; focus on informed decisions. A solid investment plan is necessary for long-term success. Understanding market dynamics is key to navigating risks. Investing should be based on facts, not opinions. The media often overlooks critical insights about property investing.Chapters
00:00 Understanding Property Investment vs. Speculation
04:26 The Risks of Hotspotting in Real Estate
06:54 Long-Term Strategies for Successful Investing
09:42 The Importance of Economic Fundamentals
12:23 Demographics and Their Impact on Property Markets
15:26 Navigating the Property Investment Landscape
18:02 Avoiding Common Pitfalls in Property Investment
20:37 Creating a Sustainable Investment Plan
23:31 The Role of Owner-Occupiers in Market Stability
26:13 Looking Ahead: Media Influence on Property Decisions
26:19 Navigating the Changing Property Market
28:05 Investment Strategies for Long-Term Growth
28:29 Understanding the Spotlight Effect
31:04 Consequences of the Spotlight Effect
Links and Resources:
Michael Yardney
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Brett Warren - National Director of Property at Metropole
Get a bundle of eBooks and Reports at www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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In today’s podcast, Stuart Wemyss and I discuss the complexities of managing underperforming property investments, and how to decide when and if you should sell your property .
We explore everything from the emotional traps that can cloud our judgment to strategic considerations like tax implications and portfolio rebalancing.
Takeaways
Investing is a long-term journey, often taking decades to develop financial independence. The quality of your asset is crucial for long-term returns. Benchmarking performance relative to market conditions is essential. Market cycles can significantly affect property values. Recognising a poor investment is a brave but necessary step Emotional decisions can cloud your judgment Patience is key; sometimes waiting is the best strategy. Tax implications should be considered when selling assets. Holistic financial advice can optimise investment strategies. Replacement assets can provide a strategic way to manage underperforming investments. If you find yourself digging a hole, stop. Sometimes the right thing to do is nothing.
Chapters
01:06 Understanding Underperforming Investments
10:42 The Importance of Patience in Investing
20:19 Evaluating Investment Decisions and Timing
28:09 Holistic Investment Strategies and Seeking Advice
28:14 Introduction to Wealth Retreat 2025
29:44 The Importance of Quick Decision Making in Property Investment
31:26 The Long Journey to Wealth
32:51 Building a Legacy of Wealth
33:38 Understanding Market Trends and Analysis
Links and Resources:
Michael Yardney
Stuart Wemyss – Prosolution Private Clients
Stuart’s Book – Rules of the Lending Game & Investopoly
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us
Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People www.WealthRetreat.com.au
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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There’s an old Chinese saying “I wish that you live in interesting times.”
The irony of this is that “interesting times” are often times of trouble or turmoil, making the phrase more like a curse and boy are we living in interesting times at the moment with Trumps Tariffs creating fear around the world.
It reminds me of the early days of covert when people were uncertain what was ahead.
In this “Big Picture” episode of the Michael Yardney Podcast, Pete Wargent and I discuss the current economic climate and its impact on the property markets.
making in property investment.
Takeaways
The current economic climate is volatile and affects property investment. Interest rates are expected to drop and this will positively impacting the housing market. Government policies are influencing housing affordability and supply and will only push prices higher. Household wealth in Australia has reached unprecedented levels, but disparities exist. The gap between the haves and have nots is widening in Australia. Foreign investment plays a crucial role in the housing market. Cybersecurity is increasingly important for financial safety. Understanding market dynamics can help investors make informed decisions. Investors should remain calm and not react to daily headlines.Chapters
00:00 Navigating Market Chaos
04:12 Interest Rates and Economic Impacts
07:09 Household Wealth and Economic Disparities
09:59 Housing Market Dynamics
12:35 Government Policies and Housing Supply
15:37 The Role of Foreign Investment
18:11 Cybersecurity and Financial Safety
20:58 Education and Property Investment Strategies
31:43 Navigating Interesting Times
36:01 Introduction to Real Estate Investment
36:02 Understanding Market Trends
Links and Resources:
Metropole’s Strategic Property Plan – to help both beginning and experienced investors
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Pete Wargent’s blog
Pete Wargent’s new book, The Buy Right Approach to Property Investing
Pete’s other book – The New Wealth Way
Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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In this episode of the Michael Yardney podcast, I discuss the current state of the housing market with Dr. Nicola Powell, Chief of Research and Economics. We explore the impact of federal elections on housing predictions, the effects of political uncertainty, and the concept of Solomon's Paradox in decision-making.
Our conversation also delves into the differences in housing policies between political parties, the ongoing supply and demand issues in the market, and the opportunities available in established properties. The episode concludes with insights on market trends and the importance of making property decisions based on personal circumstances rather than external noise.
Takeaways:
The housing market is influenced by federal elections. Rate cuts can improve buyer sentiment and inquiry. Solomon's Paradox highlights our decision-making flaws. Political uncertainty can delay property transactions. Auction outcomes can be surprisingly positive on election days. Labour governments tend to support first home buyers more. Supply issues are a significant challenge in the housing market. Established properties are often undervalued compared to new builds. Market cycles will continue despite political changes. Personal circumstances should guide property investment decisions.Chapters:
00:00 Understanding Election Impacts on Housing Markets
01:15 Current Housing Market Dynamics
06:13 Myths Surrounding Elections and Housing
11:03 Political Uncertainty and Its Impact
15:49 Government Policies and Housing Supply
20:13 Future Trends in the Housing MarketLinks and Resources:
Michael Yardney - https://propertyupdate.com.au/michael-yardney/
Get the team at Metropole to help build your personal Strategic Property Plan Click here and have a chat with us - https://investor.metropole.com.au/strategic-property-plan/
Join us at Wealth Retreat - Australia’s Premier Wealth Retreat for Elite Investors and Business People - www.WealthRetreat.com.au
Dr. Nicola Powell, Chief of Research and Economics at Domain.
Get a bundle of free reports and eBooks – www.PodcastBonus.com.au
Also, please subscribe to my new podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
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