Hey Friend, 

 

Great news.

 

On March 30th, our investment property officially settled.

 

This was a major domino in our plan to restructure our finances and step into the next phase of our wealth-building journey.

 

But I want to be real with you…

 

The sale itself doesn’t fix all our financial problems.

 

It just gives us breathing room.

 

 

A couple of weeks ago, one of my good mates replied to my newsletter and asked me two great questions:

 

 

They’re fair questions.

 

And they deserve an honest answer.

 

Because the property sale doesn’t magically fix our financial issues.

 

But it does remove pressure, give us breathing room, and create the opportunity to rebuild properly.

 

So in this email, I want to break down both:

 

 

That was about 12 months of living expenses.

 

Fast forward four years…

 

And by October 31st, 2024 – that number was $0.

How did it happen?

 

On the surface, it’s simple:

 

 

But underneath that… there were layers.

 

We moved to Adelaide → housing costs doubled

Kaci stopped working → household income dropped

We had two kids → life got fuller (and more expensive)

My business income → inconsistent

 

And then there was this…

 

 

Whenever cashflow was tight…

 

I would lean on something else.

 

First, it was the AMEX credit card (we had it from May 2022 to April 2024).

 

Which meant our offset account was quietly being drained in the background.

 

Then my Dad stepped in to help – providing $15,280 in rent support between Jan 2024 and Jan 2025.

 

I’m incredibly grateful for that support. 

 

But I also knew I had to take full responsibility and not rely on handouts.

 

So we made the decision to cut that support.

 

When that stopped…

 

I turned to the margin loan attached to our share portfolio (drawing down $43,390).

 

And when that approached its $50,000 limit…

 

I started liquidating Bitcoin.

 

Until I hit a point where I didn’t want to touch it anymore.

 

The real mistake wasn’t just that our cash ran out.

 

It was that I became too reliant on the safety nets.

 

Instead of fixing the root problem:

 

 

During this period, I invested heavily in myself.

 

Between October 2022 and December 2023 – I invested $56,250 into coaching

(while earning $112,759 in business income).

 

Then another $22,650 between 2024–2026.

 

Now – I don’t regret those investments.

 

They’ve been valuable.

 

But looking back, there was another pattern I fell into…

 

The next insight.
The next “unlock.”

 

Instead of fully integrating what I already knew.

 

But at some point, you realise:

 

 

– Just execution

– Consistency

– And responsibility

 

So what changes now?

 

The property sale gives us a chance to reset our foundations.

 

And we’re getting back to basics – and focusing on cashflow first.

 

• We’ve paused investing in coaching (for now)
• We’ve stripped back personal and business expenses to the essentials
• Kaci is earning income again through contract work

 

And I’m focusing on building consistent, reliable cashflow in my business.

 

 

You can be rich on paper…

 

But if your cashflow is out of whack – you can still feel broke…

 

In fact,

 

Even though we’re now debt-free millionaires,

 

I actually felt wealthier at $200k net worth when we had consistent, reliable income.

 

(But not necessarily as free and alive)

 

 

As a capital allocator.

As a business owner.
As a husband, father and provider.

 

And ultimately, it’s made me a better financial coach.

 

Because,

 

I’m not some guru who’s never made a mistake.

 

I’m just a guy who picked up a book at 24, and took the first step on the journey to money mastery.

 

I’ve made mistakes.
I’ve reflected on them.
I’ve recognised the patterns.
And I’ve changed my behaviour.

 

And that’s exactly what I help other people do.

 

If you have any questions from the thread that I’ve been on the past few weeks, feel free to respond to this newsletter and let me know.

 

In the meantime,

Have a fantastic Easter weekend!