Wealth Coffee Chats

Why Work With a Property Investment Coach From Trial & Error to Strategic Wealth

Why do some property investors seem to build wealth faster, safer, and with less stress? In this episode of Wealth Coffee Chats, property investment coach Vicki Heinz takes a deep dive into one of the most common questions she’s asked: Why do people work with a property investment coach?
Vicki breaks down the difference between the “trial and error” approach many investors take and a strategic, coached pathway designed to stack the odds in your favour. She explores the hidden costs of property investing, the importance of cash flow forecasting, buffers, diversification, and why treating property like a business — not a hobby — is critical for long-term success.
Whether you’re considering your first investment property or looking to scale beyond one or two, this episode explains how tailored strategy, expert guidance, and the right support team can help you avoid costly mistakes and move closer to financial freedom.
Episode Highlights
Why the “trial and error” approach to property investing often leads to frustration and early selling
The biggest mistakes investors make when buying without a clear strategy
How time in the market matters — but timing, structure, and location matter too
The real costs of being a landlord and why many investors are caught off guard
Why property investing should be treated as a business, especially if you own (or plan to own) multiple properties
How a property investment coach helps you plan around life events like school fees, career changes, or unexpected challenges
The importance of buffers, diversification, and sequencing the right strategy at the right time
How coaches help investors stay objective, remove emotion, and focus on the numbers
The value of having a trusted team of experts — brokers, accountants, and market specialists
How coaching provides accountability, education, and ongoing support through every phase of investing

Hot Cross Buns, Dopamine & The Psychology of Investing

Why are hot cross buns on supermarket shelves in January? And more importantly, what does that have to do with your property portfolio? In this episode of Wealth Coffee Chats, Property Investment Advisor Emily Miller dives deep into the psychology behind why we make (or delay) financial decisions. Drawing on concepts from Anna Lembke’s best-selling book Dopamine Nation, Emily explains why modern society’s addiction to constant stimulation is destroying our ability to plan for the long term. We explore the concept of "Delay Discounting"—the psychological tendency to value a smaller reward now over a massive reward later—and how this cognitive bias leads investors to procrastinate until it’s too late.

Fear and the cost of waiting

So many people dream of financial freedom, security, and a better future for their family — yet stay stuck waiting for the “right time” to start. In this episode, Courtney unpacks why hesitation, not lack of opportunity, is the real barrier to building wealth.
You’ll explore how fear disguises itself as “needing more time,” the hidden cost of delayed decisions, and why momentum matters more than perfect timing. With real-world examples, market insights, and a simple framework for moving forward, this conversation challenges you to stop waiting and start investing in yourself and your future.
If you’ve ever felt frozen, overwhelmed, or unsure where to begin, this episode will help you shift your mindset, build confidence, and take the first step toward lasting financial growth.
Episode Highlights
Why feeling “not ready” is often fear, not reality
The hidden cost of waiting and lost momentum in wealth creation
How overthinking and worst-case scenarios stop people from taking action
What recent property growth shows about missed opportunities
Why new results require new thinking, mentors, and environments
The difference between spending on escape versus investing in empowerment
A simple framework to move from awareness to action and confidence
Why your financial future starts with a decision, not a date

RBA Holds, 2026 Risks & Smart Money Moves for the Holidays

In the final Wealth Coffee Chat of 2025, mortgage broker Sarah Shome breaks down the RBA’s latest decision to hold interest rates—and why the tone of their announcement hints at possible challenges ahead in 2026. She also unpacks APRA’s tightening around DTI ratios, what it means for borrowers, and why smart financial strategy matters more than ever.
With Christmas spending in full swing, Sarah shares practical budgeting tips to stay in control, reduce financial stress, and keep your savings on track heading into the new year. If you're looking for clarity, direction, and some clever holiday hacks, this episode delivers a helpful wrap-up to finish the year strong.
 
Episode Highlights
RBA keeps rates on hold but flags possible 2026 rate hikes
Why rising DTI scrutiny could affect borrowing power
Inflation outlook for next year and what to realistically expect
How to simplify your budget using the 50/30/20 method
The importance of reviewing six months of spending to reset financial habits
Smart holiday hacks to save money without sacrifice
How rewards programs and “birthday vouchers” can reduce Christmas costs
 

2025 Market Recap & What’s Ahead for Aussie Investors in 2026

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

How to Avoid Tax-Time Chaos: Property Investor Record-Keeping Essentials

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

How to Build a $2.9M Property Portfolio in 7 Years

Is it possible to build a multi-million dollar property portfolio starting with 100% debt? In this episode of Wealth Coffee Chats, Property Coach Megan Wolfenden breaks down a real-life case study of a couple who achieved "1% Club" status (owning 3+ investment properties) in just 7.5 years. Megan walks through the exact numbers behind three specific purchases: a high-yielding apartment in Canberra, a House & Land build in Queensland during the height of COVID, and a strategic renovation project in Melbourne. You'll see how they used existing equity to fund the deposits, navigated high LVRs, and ultimately created over $1.1 million in net equity. If you are stuck in "analysis paralysis" or waiting for the "perfect time" to buy, this case study proves that time in the market is the ultimate wealth creator.

2025 Finance Wrapped

Move over Spotify Wrapped... it’s time for your 2025 Finance Wrapped! 🏠💰 In this episode of Wealth Coffee Chats, Jason Whitton is joined by Sarah from the Positive Money team to break down the massive numbers from the last 12 months. From record-breaking property sales to the long-awaited interest rate cuts, we cover exactly what Australian investors got up to in 2025. Did your state come out on top? Did Regional Australia beat the Capital Cities? And just how much of the market are mortgage brokers now handling? Tune in to get the full rundown and see where you fit in the stats.

What to Expect When You Hire a Financial Advisor

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

5 Landlord Insurance Mistakes That Could Cost You Thousands

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