What if the government isn’t coming to save you and never was? In this episode, I get real about what’s holding too many Australians back from building wealth: misplaced reliance on systems that were never designed to serve the individual.

Joined by my team, we unpack the role of personal responsibility in wealth creation, expose the myths around government support, and walk through the exact strategies our clients are using to buy not just one, but multiple properties this year.

This isn’t just about real estate. It’s about mindset. About refusing to hand over your future to policymakers, and instead grabbing life by the horns.

We dive into real scenarios, probation, maternity leave, self-employment, HECS debt, and show you how to overcome each one with a clear, strategic plan.

If you’re ready to stop waiting and start building, this one’s for you.

Key Moments:

00:00 Why nothing changes after elections
04:06 Put matters into your own hands
09:22 What the government can’t do for you
10:11 What strategic mortgage broking really means
15:12 Self-employed lending options that actually work
21:26 Commission & bonus income explained
23:42 Why now is still a good time to borrow
28:27 The 3-part loan strategy framework
32:06 Solving cash flow and growing a portfolio
36:01 Our Property Accelerator community and how to join

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au

What if your tax strategy could scale with your portfolio? Nicole Kelly says it can and she's built the tool to prove it. In this episode, I sit down with the founder of Tax Tank, a revolutionary platform that’s helping investors stay ahead of the ATO’s growing crackdown.

Nicole breaks down what’s really happening behind the scenes of ATO compliance, the truth about the “9 out of 10 investors get it wrong” stat, and how AI is changing the way tax audits are triggered. More importantly, she reveals how investors can stay in control, protect their deductions, and create a single source of truth across their team.

Whether you’re managing one property or ten, this episode is your wake-up call: housekeeping matters. If you’re serious about investing, you can’t afford to play in the gray.

This isn’t just tax talk, it’s a playbook for staying compliant, scaling smart, and treating your investments like a business.

Key Moments:

0:54 Nicole Kelly founder of TaxTank
2:17 9 Out of 10 Investors Get Tax Wrong
7:40 The Equity Strip Mistake That’ll Cost You
13:01 Guilty Until Proven Innocent: The AI Factor
16:09 Why Housekeeping Is Now Non-Negotiable
23:32 Smart Features: From Depreciation to CGT
29:01 Real-Time Tax Forecasting & Reporting
35:17 Why Every Investor Needs to Start Early
38:12 How to Get Started

About Nicole Kelly:

Nicole Kelly is an accomplished MBA, CPA, and tax specialist with over 18 years of leadership experience across various industries. She is the founder of TaxTank, a platform designed to address inefficiencies in the current tax systems. Nicole's mission is to transform the way taxation is understood and managed, making complex processes more streamlined and intuitive for everyday Australian taxpayers.

In addition to her work with TaxTank, Nicole contributes to Inside Small Business, where she shares insights on tax-related topics, such as how sole traders can navigate the Australian Taxation Office's tightening scrutiny.

Connect with Nicole Kelly:

Follow Nicole Kelly on LinkedIn: https://au.linkedin.com/in/nicole-g-kelly

Follow Tax Tank on Instagram: https://www.instagram.com/tax.tank/

Visit the website: http://www.taxtank.com.au

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au

Meet Dr. Gina Cleo, The Habit Expert Helping You Rewire Your Life for Success!

What if your habits could be the key to transforming your financial future? Dr. Gina Cleo is living proof that they can. In this episode, we dive deep into the power of small, consistent actions and how rewiring your habits can change everything.

Gina shares her incredible journey as one of Australia's only habit researchers, revealing why willpower alone isn't enough, why identity matters more than motivation, and how starting small leads to monumental change. We unpack everything from financial habits to relationship dynamics, resilience, and the science behind building a life you love.

If you’ve ever felt stuck, overwhelmed, or wondered how to create lasting change, this conversation will give you the blueprint you need to move forward, one habit at a time.

Get ready to upgrade your mindset, your systems, and your results.

Key Moments:

0:10 Who is Dr. Gina Cleo?
2:43 How Hard Is It to Change Habits?
7:00 Building Identity-Based Habits
12:18 How to Rewire Your Mindset to Be a Top 1% Investor
18:50 Building Open Communication Habits with Your Partner
24:48 Gary’s Story: From Sedentary to Completing a 10K
27:12 How Celebrating Small Wins Fuels Big Progress
33:27 The Habit Revolution: Dr. Gina Cleo’s Book
36:55 Why You Should Stop Comparing and Run Your Own Race

About Dr. Gina Cleo:

Dr. Gina Cleo is one of Australia’s leading experts in habit change, holding a PhD in habit formation from Bond University. As a researcher, speaker, author, and accredited dietitian, Gina is passionate about helping individuals and organizations transform their lives through sustainable behavioral change.

Featured in over 250 media outlets worldwide, she specializes in translating cutting-edge science into practical strategies for health, productivity, and wealth creation. Through her courses, coaching, and bestselling book The Habit Revolution, Dr. Cleo empowers people to rewire their habits, master their mindset, and design a life they love.

Connect with Dr. Gina Cleo:

Visit the website: https://www.drginacleo.com/

Follow Dr. Gina Cleo on LinkedIn: https://au.linkedin.com/in/ginacleo

Follow Dr. Gina Cleo on Instagram: @drginacleo (https://www.instagram.com/drginacleo/)

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au

How do you find the extra $43K hiding in your property? In this episode, I’m joined by two absolute weapons, Damien Walker and Nate Condie, to break down one of the most overlooked yet powerful tools in real estate: valuations.

We’re pulling back the curtain on the exact strategies we use to stretch valuations, unlock equity, and supercharge investor portfolios. This isn’t about chasing the lowest rate, it’s about building long-term wealth with a strategic game plan most brokers aren’t even talking about.

Damien and Nate unpack everything from AVMs and desktop valuations to the policies that make or break your ability to scale. If you’ve ever wondered how top investors keep buying while others stall, this episode has your answer.
It’s raw, real, and packed with gold.

👉 Tune in now and share this with someone on the journey with you.

Key Moments:
01:05 3 Pillars: Borrowing, Equity, and Cash Flow
03:13 How Valuation Ranges Work
08:46 Types of Valuations Explained
12:24 Comparing Bank Valuations: A $43K Difference
16:03 Why CBA and Certain Banks Let You Go Bigger
19:03 Policy vs. Valuation: What Really Matters
22:13 Which Banks Actually Let You Cash Out Big
24:12 Why Most Brokers Use Only 4–6 Lenders
29:41 The Full Strategic Broker Experience
34:06 Why 2025 Is the Year to Buy
35:46 Join the Property Accelerator Group

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au

What if we’ve been delivering financial advice the wrong way all along? Amanda Thompson thinks we have, and she’s not afraid to say so.

In this episode, I sit down with Amanda: three-time Ironwoman, heart attack survivor, single mum, and founder of Endurance Financial. We go deep into the psychology of money, the gender gap in financial confidence, and why women are often told to play it safe while men are encouraged to take risks.

This conversation isn’t just about dollars and cents, it’s about mindset, legacy, and rewriting the money story you’ve been handed. Whether you’re in a relationship navigating finances as a couple, or simply trying to take control of your own wealth journey, this one is for you.

Because the truth is: finance isn’t just about the numbers. It’s about the feelings behind them.

👉 Tune in now and share this with someone on the journey with you.

Key Moments:
00:00 Introduction and why women are often left behind in finance
02:27 Masculine vs. feminine energy in money decisions
05:20 Understanding fear, risk, and emotional investing
09:56 Generational inequality and rewriting your money story
16:00 The power of habits and starting small
20:51 Mindset shifts that change your financial future
26:19 Equity myths and the dangers of playing it too safe
31:11 Navigating finances with your partner
36:22 Clarifying your “why” and building goals with meaning
42:07 Estate planning, clarity, and protecting your loved ones

About Amanda Thompson:
Amanda Thompson is the founder of Endurance Financial, an award-winning financial advisor, speaker, and author with over 20 years of experience in Australia’s leading financial institutions. She specializes in helping individuals align their money with their values, offering strategic financial advice with heart.

A three-time Ironman and heart attack survivor, Amanda brings a powerful blend of resilience and expertise to her work, especially in empowering women to take control of their financial futures through her "Financially Fit Women" program.

Connect with Amanda Thompson:

Visit the website: https://endurancefinancial.com.au/

Follow Amanda on LinkedIn: https://au.linkedin.com/in/amandathompsonfp

Follow Amanda on Instagram: https://www.instagram.com/amandathompsonofficial/

Follow Endurance Financial on Instagram: https://www.instagram.com/endurancefinancial/

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au

When it comes to property investing, the numbers are important but mindset is everything.

In this episode of the Australian Property Investment Podcast, I sit down with someone who’s had a massive impact on my own journey, my coach and friend, Jodie Cooper.

Jodie’s been in the game for over 20 years, working with high-performing individuals and teams to strengthen confidence, clarity, and connection. We dive deep into the inner world of investing, the regret, the resentment, and how to build true resilience for the long game.

Whether you’re navigating tough decisions, feeling stuck, or simply want to realign your goals with your values, this episode is full of insight. It’s personal. It’s practical. And it might just be the mindset reset you didn’t know you needed.

Pro Tip: Success starts in the space between your ears. Get that right, and everything else follows.

👉 Tune in now and share this with someone on the journey with you.

Key Moments:

2:03 Meet Jodie Cooper

7:05 Choosing Your Hard

9:00 How to Shift From Regret to Resourcefulness

15:51 Resentment in Relationships

21:01 Your Values Define Your Path

28:03 Redefining Resilience

32:19 Wealth-Being: The Real Currency

36:07 A Family-Centered Life

40:48 The Achievement Trap

45:43 The Power of Connection

48:29 Mindset Is the Game

About Jodie Cooper:
Jodie Cooper is a Positive Psychology Coach and Wellbeing Trainer with over 20 years of experience helping professionals build confidence, motivation, and resilience.

With a Master’s in Applied Positive Psychology, and qualifications in coaching and commerce, Jodie blends deep expertise in wellbeing with real-world business insight to deliver powerful coaching sessions, workshops, and keynotes.

Connect with Jodie Cooper:

Visit the website: https://jodiecooper.com.au/

Follow Jodie on LinkedIn: https://www.linkedin.com/in/jodie-cooper-mapp-54586211/

Follow Jodie on Instagram: https://www.instagram.com/jodiecoopercoaching/

Follow Jodie on Facebook: https://www.facebook.com/JodieCooperPtyLtd

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au

Is homeownership still the dream, or is it becoming a burden? I sat down with Professor Elizabeth Sheedy, an expert in household finance and risk management, to explore what younger Australians really think about buying a home.

With years of academic research and real-world experience under her belt, Professor Elizabeth shares findings from a powerful study that dives deep into the mindset, struggles, and shifting values of today’s would-be homeowners. We cover everything from rising costs and financial resilience to the emotional toll of mortgages and the pursuit of freedom over bricks and mortar.

This episode isn’t just about numbers, it’s about people. Whether you’re a hopeful buyer, seasoned investor, or simply curious about the changing landscape, this is a conversation you need to hear.

Key Moments:
00:00 Introduction
02:03 Elizabeth’s Journey and Background
08:07 Younger Aussies Are Rethinking Homeownership
15:10 Risk, Resilience & the Real Cost of Property
22:10 The Idea of “Mortgage Prison” and Fear of Long-Term Debt
30:19 Living Too Much in the Moment Financially
35:36 Homeownership vs. Financial Wellbeing
38:20 Government Policy and the Inequity in Homeownership Incentives
41:04 Build-to-Rent and the Rise of Institutional Landlords
44:27 Ethical Considerations in Property Investment
48:30 What True Financial Resilience Looks Like

About Professor Elizabeth Sheedy:
Professor Elizabeth Sheedy is a household finance and risk management expert at Macquarie Business School. She authored Risk Governance: Biases, Blindspots and Bonuses and is an Associate Editor for the A*-rated Journal of Banking and Finance.
She teaches in the MBA and Master of Applied Finance programs, focusing on risk measurement. Her research explores young adults' financial decisions; housing, debt, and resilience using surveys, experiments, and interviews. She co-developed the Macquarie University Risk Culture Scale and contributes to policy discussions on financial misconduct, pay, and ethics.

Connect with Professor Elizabeth Sheedy:

Visit the website: https://researchers.mq.edu.au/en/persons/elizabeth-sheedy
Follow Professor Elizabeth Sheedy on LinkedIn: https://www.linkedin.com/in/elizabeth-sheedy-4a98005/

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au

What if home ownership weren’t just a dream, but a right every generation could still reach? Senator Andrew Bragg thinks it should be and he’s on a mission to make it possible.

In this powerful conversation, we dive deep into the housing crisis facing young Australians. From supply shortages and lending constraints to the controversial debate around accessing super for a deposit, Senator Bragg lays it all out with conviction and clarity.

If you care about housing, affordability, or the future of Australia’s economic landscape, this is an episode you need to hear.

Key Moments:
00:47 – The Home Ownership Crisis in Australia

04:00 – Supply Shortages and Migration Pressure

10:25 – Superannuation vs. Housing Debate

12:14 – Bridging the Deposit Gap with Super

18:28 – $5 Billion Infrastructure Fund

20:15 – Negative Gearing and Property Investor Taxes

24:49 – First Home Buyer Price Caps and Affordability

26:31 – Message to Renters and Aspiring Buyers

30:08 – Housing as the Key to Retirement Success

36:16 – Maintaining Energy and Mission-Driven Work

About Senator Andrew Bragg:

Senator Andrew Bragg is a Liberal Senator for New South Wales and a leading voice on economic reform, superannuation, and housing policy in Australia. Elected to the Senate in 2019, Andrew has quickly built a reputation as a pragmatic and forward-thinking policymaker focused on delivering tangible outcomes for Australians.

As Chair of various Senate Committees, he has led inquiries into critical national issues ranging from fintech and blockchain to press freedom and housing affordability. Andrew is committed to ensuring Australia remains a free, open, and fair society that rewards aspiration and hard work.

Connect with Senator Andrew Bragg:

Visit the website: https://www.andrewbragg.com/

Follow Senator Andrew Bragg on LinkedIn: https://www.linkedin.com/in/senator-andrew-bragg-3296b823

Follow Senator Andrew Bragg on Instagram: https://www.instagram.com/braggsenator/

Follow Senator Andrew Bragg on YouTube: https://www.youtube.com/channel/UCMijcQS4yVavQ448xAq0RZA

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account: https://www.instagram.com/aupropertyinvestmentpodcast/

Follow Aaron on Facebook:
https://www.facebook.com/aaronchristiedavid

Follow Aaron on LinkedIn:
https://www.linkedin.com/in/aaronchristiedavid/

Subscribe to Atelier Wealth’s YouTube Channel:
https://www.youtube.com/@atelierwealth_au