Nada and Adrian came to Pivot with one property and a plan to buy another. Adrian also had a list of his own: refinance the house, buy the second property, buy a $130,000 car, then take a holiday. His words for how that would have gone are not repeatable in a description.
Three months in, the plan looks nothing like that. Two weeks after their strategy session the federal budget landed and changed the maths on the second property entirely, so they went back to the drawing board and ended up somewhere they'd never seriously considered. This is an honest look at what the first few months of getting advice actually feels like, including the admin, the arguments about a $2,000 suit, and the moment it clicked.
WHAT YOU'LL GET OUT OF IT
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What their plan was before they got advice, and what it would have cost them
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How the budget forced a full rethink two weeks after the strategy was set
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Choosing shares over a second property, and how they got comfortable with it
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Aligning as a couple when one of you wants to travel and the other wants a car
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The money myths they both believed, including that earning more means keeping more
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Planning around starting a family and the income dip nobody accounts for
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What surprised them most about the process
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What they'd tell someone who thinks they don't have enough money for advice
CHAPTERS
00:13 Rapid fire round
17:59 Intro
20:34 What was on their mind before they got advice
24:38 The turning point
27:02 What staying stuck would have cost them
28:08 What surprised them about the process
31:19 The moment it clicked
33:17 How they talk about money now
36:02 The frustration that's gone
36:49 What they're working towards
38:34 Why the budget made them choose shares over property
40:11 What Reece said that stuck
41:08 Advice for anyone on the fence
43:10 What if you think you can't afford advice
45:45 Advice to their 21 year old selves
Smarter money moves start here.
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DISCLAIMER
This podcast is for education only and doesn't take into account your personal circumstances. It's not financial advice. If you buy a financial product, read the PDS and TMD, and seek advice tailored to your situation. Ben Nash and Pivot Wealth are authorised representatives of Fish Tacos Pty Ltd, ABN 14 649 248 082, AFSL 533055.
