Money Mentor Podcast™

Hosted by Money Mentor™

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Episodes

338

Latest episode

Aug 2026

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About the show

Money Mentor™ is Australia's home of financial transformation. Hosted by Graeme Holm and Rachael Howlett, each episode shares the real stories of everyday Australians paying off debt faster, building wealth and creating financial freedom by thinking differently about money. Through inspiring client journeys, practical strategies and bold conversations that challenge conventional wisdom, Money Mentor™ will educate, inspire and empower you to take control of your financial future.

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60 recent

August 20, 202656 min

Sydney Rents Hit $900/Week, Melbourne's Auction Comeback & the Migration Cap Debate | Wilson Monthly

Jim Chalmers says you'll "get over" the broken tax promise, but Sydney rents just hit $900 a week. This month we unpack Chalmers' admission that Labor broke its negative gearing and capital gains tax promise, and what "you'll get over it" actually means for renters and investors. We cover the case for capping migration to housing supply, why first home buyer loan applications are down 19% while rents keep climbing, and the RBA's rate hold despite underlying inflation sitting at its highest level in years. Then the full data deep-dive: Sydney's price slump versus Brisbane and Perth's building boom, Melbourne's approvals slide, investor lending down 14.9%, and the auction clearance rates hinting at an early spring revival. Money Mentor YouTube Channel: @moneymentorau Dr Andrew Wilson on LinkedIn: /dr-andrew Follow and subscribe to stay up to date with the latest episodes. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #WilsonMonthly #AustralianPropertyMarket #NegativeGearing

August 19, 202623 min

From $9k Off Our Mortgage in 1 Year to $17k in Just 90 Days | Andrea & Darrel | First 90 Days | S1E4

Darrel and Andrea paid off $9,000 in a year. In their first 90 days with Infinity, they paid off $17,000. For years, Darrel and Andrea felt like they were doing everything right, paying the loan, saving, refinancing, and still going nowhere. When they finally sat down and ran the numbers, they were blown away to learn they'd been losing $200 a week without realising it, and admit they kicked themselves for waiting two years to find out. In their first 90 days, they paid off $17,000, almost double the $9,000 they'd managed in the whole year before. They've since bought their first investment property, started a second through their SMSF, and say it's taken a big weight off their shoulders. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #ChangingLivesPodcast #MortgageFreeAustralia #FinancialFreedom

August 16, 202654 min

The Super Trap That Catches Australians | Woody & Natalie | CHANGING LIVES S04 EP63

Woody and Natalie were in their 50s with an $800,000 mortgage, and the plan was to use super to clear it. Good jobs, no debt except the home loan, and no real plan beyond the status quo. The retirement plan was to use super to pay off the mortgage and downsize, and it never sat right with Woody. There had to be a better way. They talk about the light bulb moment that interest is calculated daily, the savings account they were holding while owing $800,000, and the slush fund Woody quietly ran for years. Less than two years later the loan sits at about $630,000, and Woody rang the bank because he could not believe it was real. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #ChangingLivesPodcast #MortgageFreeAustralia #FinancialFreedom

August 12, 202619 min

At 50, 90 Days Changed Their Whole Retirement Plan | Kelly & Rubes | First 90 Days | S1E3

Kelly turned 50 last year with $666,000 still owing, and it started to feel like they had left it too late. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN After more than 20 years working at CommBank, the only advice she had ever heard was to pay the minimum. Retirement had started playing on her mind and she had no confidence in what was waiting. Rubes had been at her about Infinity for around 18 months, but she quit the first webinar half an hour in. 90 days later, they are sitting roughly $18,000 ahead. In the whole of the previous year they put $14,000 on the home loan. Kelly talks through what she saw on the calculator that changed her mind. #First90Days #MortgageFreeAustralia #RetirementPlanning

August 9, 202642 min

How They Cut $240,000 Off Their Home Loan in 2 Years | Gemma & Toby | CHANGING LIVES S04 EP62

Gemma and Toby were comfortable. Good jobs, a house they'd built on ten acres, a $425,000 mortgage they weren't losing sleep over, which is exactly why doing nothing felt so easy. Then Gemma sat through a free webinar, decided to test what she'd heard about credit cards, and closed hers from the front seat of her car. They talk through the declined card that changed how she spends, Toby's scepticism right through the first strategy meeting, and what a 30-year loan looks like now, with three investment properties, a wedding in Tassie and four months at home with their son. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN #ChangingLivesPodcast #PayOffYourMortgage #AustralianHomeowners

August 5, 202651 min

At 58 We Cut 7.8 Years Off Our Mortgage In 6 Months | Vince & Carmela | CHANGING LIVES | S04 EP61

Everyone told Vince and Carmela they were lucky. Seven years on a 1.99% loan, they'd paid off $7,000. Want to improve your own financial future? Our free webinar is where to start👉 https://bit.ly/43V2jKN Vince and Carmela met at 19, built their dream home, and spent the next thirty years refinancing it, so many times Vince has lost count. Credit cards were the safety net. One Christmas Eve they bought the kids $1.99 toys off a 7-Eleven rack. Seven years on a fixed 1.99% rate took their loan from $216,000 to $210,000. Six months after joining Infinity Group it's at $173,000, and Vince has done the maths on what that's taken off the life of the loan. In their late fifties, they thought a pension was the plan. Then someone told them they could buy a property. #ChangingLivesPodcast #PayOffYourMortgage #FinancialFreedom

August 2, 202622 min

We Wish We'd Done This Sooner…” | Joanne & Ray | First 90 Days | S1E2

They thought they were doing everything right, until they realised how much longer they'd be paying off their mortgage. This honest conversation follows the moment everything changed, from scepticism and uncertainty to a clear financial plan with a goal they never thought was possible. 👉 If this story resonates with you and you want to start setting yourself up for financial freedom, it all starts with our free webinar: https://bit.ly/43V2jKN Before joining Infinity, Joanne and Ray had a family home, an investment property and money sitting in offset, but they still felt unsure whether they were making the most of their finances. While Joanne was ready to make a change, Ray wasn't convinced and questioned whether they needed help at all. After taking the leap, they discovered a strategy that completely changed the way they viewed money. Within their first 90 days they had already made significant progress on their mortgage, and for the first time could see a path to becoming debt free in under 10 years. If you've ever wondered whether you're doing enough with your money, their journey may answer a few of your own questions. #FinancialFreedom #Mortgage #PersonalFinance

July 29, 202619 min

The Decision That Changed Their Financial Future | Sam & Brad | First 90 Days | S1E1

Before reaching 90 days with Infinity, Sam and Brad had paid off a personal loan, reduced their mortgage by $17,000 and purchased two investment properties in one week. 👉 If their financial journey resonates with you and you want to start setting yourself up for financial freedom, it all starts with our free webinar: https://bit.ly/43V2jKN Before Infinity, their money was spread across eight accounts. They had a $445,000 mortgage, $25,000 in debt and could not understand why their hard work was not helping them get ahead. With Brad frequently working away and their children potentially requiring long-term support, the financial pressure went far beyond numbers. Sam was hesitant to trust anyone with something as important as their family's future. After attending the Infinity Masterclass, they decided to change how they managed their money. Sam and Brad share the early progress they made, what finally gave them confidence and why building a more secure future for their children means so much to them. #FinancialFreedom #MortgageRepayment #MoneyMentor

July 28, 202658 min

Inflation, Melbourne's Green Shoots & Negative Gearing | Wilson Monthly Market Update July 29

This month's Wilson Monthly Market Update kicks off with a hard look at the Prime Minister's recent comments on negative gearing reform — and why the reasoning behind restricting it to one or two properties doesn't match how Australian tax law actually works. From there, the conversation moves into what's shaping up to be one of the biggest questions facing renters and investors alike: as investors exit the market ahead of new taxation changes, what happens to an already undersupplied rental market?The episode also breaks down the government's expanded Help to Buy scheme and asks whether shared equity solves affordability or just shifts ownership (and risk) onto taxpayers, before moving into the regular data deep-dive: the RBA's rate-hold heading into a bigger August decision, a mixed inflation print with underlying inflation ticking up to its highest level since 2004, an easing unemployment rate, home building approvals split sharply between the booming Perth/Brisbane markets and the still-struggling Melbourne/Sydney unit sector, and the latest auction clearance rates — including early signs of a possible turnaround in Melbourne.As always: rents, rates, building approvals, capital city price trends, and the long-term data that puts the current cycle in context.Money Mentor YouTube Channel: @moneymentorauDr Andrew Wilson on LinkedIn: /dr-andrewIf you enjoyed our podcast, make sure you follow and subscribe to stay up to date with the latest episodes.👉 Follow the link ⁠https://bit.ly/43V2jKN⁠ to watch the free webinar and start your Infinity journey now!

July 26, 202656 min

$528k Down To $20k in Three Years. | Luke & Kellie | CHANGING LIVES | Season 4 Ep62

In this episode of "The Money Mentor," Rachael sits down with Luke and Kellie - and this one carries an important warning for anyone who has ever placed their trust in the wrong hands. In 2017, they did everything by the book - hired a financial planner and followed professional advice to the letter. They were advised to sell their house and ‘rentvest’. Years later, sick of renting and moving multiple times they realised they wanted stability for their children and a home of their own. They had solid careers, worked hard, but with a new home and large mortgage, they still felt they could never get ahead. When interest rates started climbing, the fear became very real, and without a budget to fall back on, the cracks began to show. Luke and Kellie had grown up in families where finances were always a struggle, and they knew they wanted to build a brighter future for their children. Then an Instagram ad changed everything. One Infinity webinar was all it took - Kellie was sold and she quickly brought Luke on board. What followed was nothing short of a transformation. A $528,000 mortgage on their home was reduced to just $20,000 in just three years. They now have four investment properties, and a portfolio worth five million dollars. But Luke and Kellie are quick to point out that the biggest shift wasn't in their bank account - it was in their mindset. For the first time, they stopped hoping their future would work out and started building it with intention. Luke and Kellie didn't need more advice. They needed the right advice - and everything changed when they found it. Ready to change your financial future? 👉 Start by watching the FREE webinar and see what's possible: ⁠⁠https://bit.ly/43V2jKN