The Wealth Guide Podcast

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Oct 2026

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About the show

Welcome to The Wealth Guide Podcast, where we discuss and explore ways of helping individuals and businesses achieve their financial goals. Discover a plethora of knowledge in each episode from our hosts, and industry guest speakers and gain deeper insights and tools to help you make the right choice for a brighter future. Disclaimer: The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. The Wealth Guide Podcast is proudly brought to you by Ryker Capital.

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October 29, 20261 hr 1 min

Beyond the Loan: Connecting Lending, Financial Advice and Clients for Life

Most clients walk into a broker's office with a lending question. Very few walk out with only a lending problem. In this episode of The Wealth Guide Podcast, recorded in Melbourne and powered by MFAA, host Malissa Vourakis is joined by Ryker's Ray Regmi and brokers Matthew Phelps and Alex McMahon of MiLoan Funding. They talk about what sits beyond the loan, and how brokers and advisers can work together so clients make better decisions. In this conversation: Why every client has two journeys: lending and wealth When a client's question shifts from "can I" to "should I" Equity releases, structuring and the tax questions behind them The life events brokers often overlook Pay rises, promotions and lifestyle creep Why tax should shape the strategy, not drive it A client story: planning after selling an investment property First home buyers, the Bank of Mum and Dad and FHSS Small business exits and buy-sell agreements Insurance: the conversation nobody wants to have How brokers can choose an advice partner they trust One action brokers can take this week The central message is simple: lending is one part of a client's financial life. When the broker, the adviser and the client are connected, better decisions follow. Powered by MFAA, with thanks to Melanie Kafta, Executive Member Experience and Partnerships. Guests: Matthew Phelps, MiLoan Funding: https://www.linkedin.com/in/matthewjphelps/ Alex McMahon, MiLoan Funding: https://www.linkedin.com/in/alex-mcmahon-commercial-small-business-lending/ MiLoan Funding: https://www.linkedin.com/company/miloan-funding/ To learn more about Ryker or to start a conversation about your financial plan, follow the links available through this channel. Disclaimer: This podcast provides general information only and does not constitute personal financial, tax or legal advice. Individual circumstances vary. Obtain advice from appropriately qualified professionals before making decisions. #Ryker #WealthGuidePodcast #MortgageBroker #FinancialAdvice #MFAA

October 2, 2026Episode 7237 min

The Great Wealth Transfer: Are Australian Families Ready? | Ep. 72

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── The great wealth transfer is already underway — but are Australian families ready for the conversations, decisions, and structures that come with it? In this episode of The Wealth Guide Podcast, the team unpacks estate planning, family conversations, superannuation nominations, wills, powers of attorney, and the practical steps families should be thinking about before wealth is transferred. With an estimated $1.5 trillion expected to move between generations over the next decade, the discussion explores why estate planning is about far more than simply having a will. From tax implications and superannuation death benefits to blended families, business interests, trusts, guardianship, and family conflict, the team breaks down the details that can make a major difference. They also discuss why many people avoid these conversations, what can happen when beneficiaries are surprised, and why fairness does not always mean equal. Whether it is helping adult children early, protecting assets from future relationship breakdowns, or making sure intentions are properly documented, the episode highlights why clarity matters. Whether you are building wealth, preparing to pass it on, or simply want to make sure your family is protected, this episode is a timely reminder that estate planning is not just about distributing assets — it is about protecting people, reducing uncertainty, and leaving a legacy with intention. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ Jack Oineza - https://www.linkedin.com/in/jackoineza/ Dean Desoukey - https://www.linkedin.com/in/dean-desoukey/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction: The great wealth transfer 00:30 – Are Australian families ready for estate planning? 01:04 – Why many people delay estate planning conversations 03:20 – The $1.5 trillion wealth transfer and family readiness 05:19 – Superannuation, wills, ownership structures, and blended families 08:20 – Wills, powers of attorney, and binding nominations explained 11:10 – Tax considerations when superannuation is passed on 15:50 – Blended families, inheritance, and difficult conversations 19:38 – Testamentary trusts and protecting family wealth 31:01 – When families should review their estate plan ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. #Ryker #WealthGuidePodcast #EstatePlanning #WealthTransfer #FinancialAdvice

September 17, 2026Episode 7145 min

Business Wealth Is Not Personal Wealth | Ep. 71

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── Business wealth is not the same as personal wealth — and for many business owners, that distinction can become very real when it is time to exit. In this episode of The Wealth Guide Podcast, the team is joined by Andrew Jeffers from Shuriken Consulting, alongside Ray Regmi and Jack Oineza, to unpack why business owners need to think carefully about succession, sale, retirement, and personal wealth outside the business. The conversation explores why many SME owners assume their business will one day fund their retirement, what can happen when a business does not sell for the expected value, and why revenue, profit, cash flow, and realised value are not the same thing. They also discuss the importance of understanding your numbers, separating business and personal finances, planning for tax, super, CGT, key person risk, buy-sell agreements, and creating a strategy before retirement or succession becomes urgent. Whether you own a business, work with business owners, or are starting to think about your future exit, this episode is a reminder that a business can be powerful, but personal wealth is what creates options, security, and life beyond the business. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Andrew Jeffers - https://au.linkedin.com/in/andrewjeffers Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539/ Jack Oineza - https://www.linkedin.com/in/jackoineza/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction: Business wealth is not personal wealth 01:12 – Is your business your income, asset, and retirement plan? 02:04 – Why succession and exit planning cannot wait 05:51 – Revenue, profit, cash flow, and business value explained 06:38 – Sales are vanity, profit is sanity, cash flow is reality 07:00 – The five numbers every business owner should know 12:28 – Separating personal wealth from business wealth 15:36 – Why business value and realised value are different 21:48 – How to extract and diversify wealth from the business 33:12 – Succession planning, key person risk, and buy-sell agreements ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. #Ryker #WealthGuidePodcast #BusinessWealth #BusinessOwners #SuccessionPlanning

September 14, 2026Episode 7042 min

What happens if your income stops? | Episode 70

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── What happens if your income suddenly stops — and how long could everything in your life keep going? In this episode of The Wealth Guide Podcast, the team is joined by Nick Chong from RateSeeker and Ardent Capital, alongside Ricky Regmi and Dean Desoukey, to unpack one of the most overlooked parts of financial planning: personal insurance. The conversation explores why so many Australians insure their car, home, and contents but often overlook the asset that makes everything else possible — their income. From income protection and life insurance to TPD, trauma cover, default super insurance, and key person insurance for business owners, the team breaks down why cover should not be treated as a set-and-forget product. They also discuss the common misconceptions people have about insurance inside super, why default cover may not be enough, how affordability and cash flow should be considered, and why getting the right advice can make a major difference when it comes to policy structure, disclosure, and claims. Whether you have a mortgage, a family, a business, or people financially depending on you, this episode is a reminder that the right question is not simply “Do I have insurance?” — it is “If my income stopped tomorrow, how long could everything continue?” ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Nick Chong - https://au.linkedin.com/in/nick-chong-6ab64a71 Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ Dean Desoukey - https://www.linkedin.com/in/dean-desoukey/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction: What happens if your income stops? 01:03 – Why Australians insure cars but overlook income protection 03:04 – Why brokers should talk about insurance with clients 05:35 – Income protection, TPD, trauma, and life insurance explained 06:05 – Why default insurance inside super may not be enough 09:27 – Is the issue affordability, cost, or lack of education? 13:45 – Why savings, redraw, and relying on a spouse may not be enough 17:18 – How insurance supports families during serious illness or injury 22:11 – Insurance considerations for business owners and sole traders 27:33 – Why advice matters when choosing policies and making claims ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. #Ryker #WealthGuidePodcast #FinancialAdvice #IncomeProtection #LifeInsurance

August 24, 2026Episode 6939 min

Property After the Budget: What Still Works? | Ep.69

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── Has negative gearing really been abolished? Should property investors rush to sell before the rules change? And does a new build automatically make more sense than an established property? In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by Ryker's Ray Regmi and Jack Oineza, together with Sarah Pyke, Founder of Bond Financial, to separate the headlines from the detail and unpack what Australia's changing property and tax landscape could mean for investors. The key takeaway throughout is a simple one: understand how the rules apply to your situation, and get coordinated advice from your financial adviser and accountant before making a move — decisions should start with your long-term goals, not fear or noise. Whether you're holding an investment property, weighing up your first one, or reviewing how your portfolio is structured, this episode cuts through the headlines and focuses on what still works. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539/ Jack Oineza - https://www.linkedin.com/in/jackoineza/ Sarah Pyke - https://www.linkedin.com/in/sarah-pyke-31a98325/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation. #Ryker #WealthGuidePodcast #PropertyInvestment #NegativeGearing #AustralianProperty

August 7, 2026Episode 6842 min

What People Get Wrong About Financial Advice – And What Good Advice Looks Like | Ep.68

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── What does good financial advice actually look like — and why do so many people wait too long before seeking it? In this episode of The Wealth Guide Podcast, the team is joined by Tony Pelosi from WT Financial Group, alongside Ricky Regmi and Jack Oineza, to unpack one of the biggest misconceptions in the industry: that financial advice is only for wealthy people or those approaching retirement. The conversation explores why so many Australians delay getting advice, what people often misunderstand about the role of a financial adviser, and why great advice is about far more than investments, products, or superannuation. From cash flow and wealth-building to life planning, tax strategy, business structures, and retirement readiness, the team discusses why financial advice should be viewed as an ongoing relationship rather than a one-off transaction. They also unpack what a good adviser-client relationship should feel like, why trust and communication matter, and how professional guidance can help uncover opportunities, reduce costly mistakes, and provide clarity at every stage of life. Whether you're just starting your financial journey, running a business, preparing for retirement, or simply wondering if financial advice is right for you, this episode highlights why getting the right guidance early can make all the difference. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Tony Pelosi - https://www.linkedin.com/in/antonio-tony-pelosi-a83b9573/ Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ Jack Oineza - https://www.linkedin.com/in/jackoineza/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 00:50 – What people get wrong about financial advice 01:58 – Why people delay seeking advice 03:34 – Common misconceptions about financial advisers 06:02 – The counsellor and relationship manager role of an adviser 09:37 – Why financial advice is more than an individual journey 10:54 – Why advice isn't just for retirement or wealthy people 14:24 – The industry's perception problem and changing education standards 15:52 – What good financial advice should actually feel like 19:19 – Strategy-led advice versus product-led advice 22:55 – Why ongoing advice matters as life evolves 24:08 – When financial advice becomes relevant 26:14 – Real-life case study: uncovering hidden opportunities 29:31 – DIY finance, AI, and the value of professional guidance 32:00 – Questions people are often afraid to ask 34:29 – Advice for young professionals, business owners, and pre-retirees 40:40 – Final takeaways and closing thoughts ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

July 28, 2026Episode 6743 min

When Headlines Shake Markets: What It Means to Investors & Financial Decision Makers | Ep.67

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── When markets move, headlines explode — but should investors really panic? In this episode of The Wealth Guide Podcast, the team is joined by David Boyle from Ascalon Capital to unpack how global headlines, geopolitical conflict, inflation, oil prices, and market volatility impact investors, households, and financial decision-making. From rising petrol prices and interest rate pressure to market corrections, emotional investing, and long-term wealth creation, this episode explores why reacting emotionally to headlines can often create more damage than the market movement itself. The conversation dives into the psychology of investing, why volatility is a normal part of markets, how investors can stay focused during uncertain times, and the importance of having the right strategy, timeframe, and financial guidance in place. Whether you’re an investor, homeowner, retiree, or simply trying to navigate today’s economic uncertainty, this episode highlights how to separate fear from facts and make measured financial decisions during volatile times. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ David Boyle - https://www.linkedin.com/in/david-boyle-37969459/ Dean Desoukey - https://www.linkedin.com/in/dean-desoukey/ Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 00:55 – Why global headlines are shaking markets 01:52 – The Strait of Hormuz and why oil matters 03:24 – How fear drives investor reactions 04:42 – Lessons from the GFC and market recoveries 06:04 – Why long-term investing still matters 07:07 – How oil prices impact the Australian economy 09:10 – Why markets react before crises fully unfold 10:03 – Understanding volatility vs actual losses 11:56 – Different impacts on retirees and investors 14:39 – The danger of panic selling investments 16:18 – Why this conflict impacts markets differently 18:36 – Market downturns creating investment opportunities 20:20 – What happened during COVID market volatility 21:43 – Why emotional reactions can create bigger losses 24:05 – Education, perspective, and investor confidence 25:45 – Inflation, petrol prices, and interest rates 27:29 – What a measured financial response looks like 28:24 – The importance of ongoing financial advice 31:17 – Why most headlines are just noise 32:29 – What people should NOT do during market volatility 34:03 – Key takeaways for investors and households 37:58 – Market predictions and portfolio positioning 39:40 – Trump, global politics, and market scenarios 41:21 – Final thoughts and closing takeaways ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

July 24, 2026Episode 6642 min

The Financial Gaps That Show Up – And What Brokers Should Look for | Ep. 66

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── End of financial year isn’t just about tax time — it’s about identifying the financial gaps that quietly cost people money, opportunities, and long-term progress. In this episode of The Wealth Guide Podcast, the team is joined by Gabrielle Micah from Finance Co and Charlie Unan, State Manager NSW of the FBAA, to unpack the conversations brokers, advisers, and business owners should be having well before June 30 arrives. From cash flow, tax planning, and diversification to financial literacy, referral partnerships, and identifying missed opportunities, this episode explores why waiting until the last minute often creates unnecessary pressure and poor financial outcomes. The conversation dives into why end of financial year should be treated as a checkpoint instead of a starting point, how brokers can create stronger client relationships by looking beyond the transaction, and why collaboration between accountants, brokers, advisers, and specialists creates better long-term results. Whether you’re a business owner, investor, broker, or simply trying to improve your financial position, this episode highlights the importance of asking better questions, planning earlier, and building the right support network around you. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Gabriel Mikha - https://www.linkedin.com/in/gabriel-mikha-15727979/ Jack Oineza - https://www.linkedin.com/in/jackoineza/ Charlie Younan - https://www.linkedin.com/in/charlie-younan-989734135/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 01:08 – Why EOFY conversations happen too late 03:03 – Tax planning vs financial optimisation 05:22 – Why March and April are critical planning months 07:29 – Missed opportunities brokers should identify earlier 10:08 – Why diversification matters for brokers and clients 14:01 – Optimisation strategies beyond tax deductions 15:39 – The biggest education gap in the industry 18:45 – Referral partnerships and protecting clients properly 21:30 – Passive income and long-term business sustainability 24:17 – The biggest gaps business owners overlook 29:03 – Financial literacy and the next generation 33:42 – Building the right support network around you 36:45 – Practical EOFY strategies people can apply now 39:20 – Why asking questions creates better financial outcomes 40:43 – Final takeaways and closing thoughts ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

July 24, 2026Episode 6541 min

Financial Activity Isn't the Same as Financial Progress | Ep.65

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── Financial activity can make you feel busy, organised, and on top of things — but that doesn’t always mean you’re actually moving forward. In this episode of The Wealth Guide Podcast, the team is joined by Gabriel Mikha from Finance Co to unpack why so many high-income households still feel like they’re behind, even when they look great on paper. From lifestyle creep and scattered debt to unclear goals, poor structure, and money moving without a real plan, this episode explores the difference between simply “doing things” financially and creating genuine progress. The conversation dives into why earning more doesn’t automatically build wealth, how small inefficiencies can quietly hold people back, and why structure, clarity, and regular reviews can make all the difference. Whether you’re earning well but not seeing the progress you expected, or you feel like your finances are active but not aligned, this episode is a reminder that movement is not the same as momentum. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67/ Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539/ Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ Dean Desoukey - https://www.linkedin.com/in/dean-desoukey/ ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh3XS6DLP6rc9gp1M?si=deb08e82455e46cf Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 00:49 – Financial activity vs financial progress 01:30 – Why high-income households still feel behind 03:20 – The importance of structure and financial clarity 04:13 – Why annual reviews matter 06:13 – Using strategy instead of simply doing more 09:35 – When moving the needle is actually progress 13:38 – Why financial decisions need to connect 16:09 – The bucket strategy explained 18:45 – Cash flow, lifestyle creep, and adapting with the times 20:12 – What a well-organised household looks like 22:38 – Structuring loans with purpose 27:01 – Planning for risk and protecting progress 30:06 – Week-to-week cash flow and lack of structure 33:15 – Perception vs reality in financial success 39:10 – Final advice from the team ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

June 30, 2026Episode 6443 min

Co-Buying Property – Smart Shortcut or Financial Time Bomb? | Ep. 64

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult ────────────────────────────────── Buying property with a sibling or friend can sound like the perfect shortcut into the market — but what happens when goals change, life shifts, or one person wants out? In this episode of The Wealth Guide Podcast, the team is joined by Amit Sharma from Inspired Wealth to unpack the realities of co-buying property and why having the right structure matters just as much as getting into the market itself. From co-ownership deeds and borrowing capacity to future relationships, exit strategies, insurance, and difficult conversations, this episode explores what people often overlook before signing on the dotted line. The conversation dives into the emotional side of co-buying, why treating the arrangement like a business partnership is essential, and how poor planning today can create financial and relationship stress later. Whether you're considering buying with a sibling, friend, or even parents, this episode highlights why clarity, communication, and professional advice are critical before making one of the biggest financial decisions of your life. ────────────────────────────────── SHOW NOTES LINKS Malissa Vourakis - https://www.linkedin.com/in/malissa-vourakis-79066a67 Ray Regmi - https://www.linkedin.com/in/ray-regmi-3a267539 Ricky Regmi - https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213 Dean Desoukey - https://www.linkedin.com/in/dean-desoukey ────────────────────────────────── TIMESTAMPS 00:00 – Introduction 00:59 – Why co-buying property is becoming more common 04:02 – Are you financially aligned before buying together? 06:22 – Why emotions need to be removed from the decision 09:52 – Joint tenancy vs tenants in common explained 10:54 – Why co-ownership deeds matter 13:59 – Real-life co-buying mistakes and lessons 19:06 – Lending risks and borrowing capacity issues 24:08 – Unexpected costs, buffers, and cash flow pressure 27:04 – Why co-buying arrangements should be reviewed regularly 31:26 – Retirement, pension, and long-term planning considerations 33:41 – Insurance and protecting both parties 35:51 – The one conversation every co-buyer must have 42:45 – Final takeaways and closing thoughts ────────────────────────────────── LISTEN TO THE PODCAST Spotify: https://open.spotify.com/show/5Q3irgh... Apple Podcast: https://apple.co/3QPF3ch Amazon Music: https://amzn.to/3YMZjgD ────────────────────────────────── FIND US HERE Facebook: https://bit.ly/3RsO5Mr LinkedIn: https://bit.ly/3Rs0Qah Instagram: https://bit.ly/46kZvGp TikTok: https://bit.ly/3PSbK7U YouTube: https://bit.ly/3rsKxPG ────────────────────────────────── CONTACT US hello@rykercapital.com.au Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ────────────────────────────────── DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.