So many people believe they need more income to build wealth, but I’ve learned that income isn’t the problem, behaviour is. In this episode of Rich and Regulated, I share why real wealth isn’t about flashy cars, designer bags or $27 margaritas. It’s about discipline, consistent money habits and an investor mindset that helps your money grow.

I’ve worked with women earning six figures and even multiple six-figure months who still struggle financially, and I’ve also seen people on modest incomes quietly create financial security. I know this because I used to be the woman chasing validation with expensive dinners and luxury purchases, while behind the scenes my bank account was empty.

Wealth isn’t built on performance or pretending you’re rich. It’s built on boring, repeated actions that set you up for long-term freedom. If you’re ready to rethink your money habits, stop living paycheque to paycheque and start building regulated wealth that lasts, hit subscribe and join me on this journey.

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Timestamps

00:00:00 - Introduction

00:01:09 - The Behaviour That Keeps You Broke

00:02:34 - The Trap of Looking Rich in Australia

00:04:21 - Wealth Is Built on Discipline, Not Theatre

00:05:52 - The Worst Money Advice I Ever Received

00:06:57 - The Cost of Coffees, Cocktails and Quick Fixes

00:08:04 - Why True Freedom Comes from Regulation

00:09:01 - The Power of Boring, Repeated Money Habits

00:10:15 - How Micro Decisions Shape Your Financial Future