this is property

Miranda is a listener of the show and bought her first home in Melbourne early this year. She talks about how her property goals changed, why she chose not to involve family in the process, what she'd do differently looking back and more. Big thanks to Miranda for sharing her buying experience!✈️ Check out John's property masterclass at a city near you! Grab tickets at: mymillennial.money/tour🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Soooo many of you have been asking whether to get into the market now or wait and whether there will be a crash in the near future. Emily & John share their thoughts on this and what the future of housing might look like as Australia's population increases.Listening on Apple Podcasts? Leave us a review! 🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Today's Q&A features these great questions from the community:👉🏻 costs are going up, what repayment buffers should I have in place?👉 what are the pros and cons of having my whole portfolio as a joint venture?👉🏼 how to know when you’re ready for your 2nd property?👉🏾 hidden costs of buying unregistered land?👉🏿 what are a tenant's rights when the owners are selling?🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Record keeping, CGT, selling your property and more. Scott Young from Altus Financial is back on the show to answer a bunch of the questions you wanted to ask an accountant around:👉 best practice for keeping records on your investment👉🏼 the ins and outs of capital gains tax (CGT) and the 6 year rule👉🏿 what factors should I consider when timing the sale of my property?👉🏽 how do tax deductions work when drawing equity from my investment?👉 when is using a trust a good strategy to buy or sell?👉🏿 how does claiming expenses for negative gearing work?Looking for an accountant? Click here to get in touch with Scott and his team.🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

If you're aspiring to get into the real estate industry, listen up! Jayson Watts shares his tips and learnings from 20 years experience as an agent. The episode touches on:👉🏾 a bit about Jayson's background👉 dos and don'ts of being a good real estate agent👉🏿 the perception surrounding the industry vs the reality👉🏼 what's happening in the Melbourne property market 👉🏾 and John and Emily ask Jayson's thoughts on a topic that comes up heaaaps in the Facebook group to do with the lack of transparency from agents surrounding best and final offers🛑 Please read our disclaimer + warnings before listening to this episodeConnect with Jayson on LinkedIn🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

We rarely expect the worst to happen which is why it's always good to be prepared! John and Emily discuss some of the things that can go wrong when it comes to:👉🏻 buying unregistered land👉 buying or selling a property👉🏼 cross-collaterisation👉🏽 bidding at auction👉🏾 buying a tenanted property👉🏿 working with a builderHave some horror stories of your own? Tell us in the Facebook group!🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Plan Hosted on Acast. See acast.com/privacy for more information.

You might consider renting out your home if you decide to upsize, downsize or rentvest. John and Emily chat through some steps to take and things to think about when it comes to:👉🏾 working out your lending and cashflow👉🏿 engaging the right professionals for your situation e.g. accountant, mortgage broker, property manager, financial planner👉🏻 the logistics of owning a rental property👉 vacancy rates, supply & demand👉🏼 choosing between rentvesting and buying another PPOR👉🏽 lifestyle factors you might think about when looking to buy another PPOR👉🏿 and tackling the fear of having 2 mortgagesBook a clarity call with John🛑 Please read our disclaimer + warnings before listening to this episodeBook a clarity call with John: https://bit.ly/M3JohnClarityCall🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Kobe and her partner bought into an estate last year and and have just begun building! Kobe shares the ins and outs of their home buying journey including:👉🏾 not finding a property that suited their lifestyle within their budget👉🏿 using some first home buyer and builder benefits to get into the market👉🏻 advantages of buying into a new estate👉 choosing a builder👉🏽 costs👉🏻 timeframes from deposit to commencing construction👉 their plans to live in the home for a year and then rentvest and turn it into an investment property👉🏿 tips and learnings🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Shoutout to our Facebook community for more great questions! In today's episode Emily and John discuss:👉 transacting money online and how to protect yourself from scams👉🏼 property investing vs investing in a property-based ETF👉🏾 when should you get a depreciation schedule? (Listen to 414 depreciation schedules)👉🏿 how to manage the rising cost of building materials👉🏻 interest rate rises - what's a good buffer to plan for?👉🏽 building a granny flat on your PPOR rather than buying another block of land👉 what are the extra costs involved in buying a property besides the deposit👉🏾 how to & should you avoid telling an agent what you're willing to spend if they ask👉🏻 keep or sell a B class property that may have performed really well in recent times👉🏾 buying in a mining town🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Saving a 10% deposit is one of the biggest things slowing people down from buying a property, so what if you could purchase a new home build much sooner with as little as $10,000? John and Emily chat with Michael about how Coposit is enabling people to do just that, and the ins and outs of how Coposit works. 🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Think of today's episode like a mixed bag of lollies... a little bit of everything! John and Emily answer some listener questions and share their opinions on reforms that may be coming to the property market. Discussed in this chat:👉🏻 mortgages - what's too big, what's manageable?👉 is it an efficient strategy to rentvest?👉🏼 Consumer Affairs VIC have begun exploring potential reforms to the property market and how things can be improved for consumers👉🏽 what should you consider when you're planning to turn your home into an investment property?🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Emily and John chat with property developer and ex-professional footballer Andrew Welsh who shares his learnings and experience in developing new Australian communities. The chat touches on:👉 working with council👉🏼 financing developments👉🏿 researching new growth opportunities👉🏽 Andrew's tips for aspiring developers🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

This one's for the investors! John and Emily get into the nitty gritty of claiming tax deductions on your investment property with Brad Beer from BMT Quantity Surveyors. They touch on:👉🏾 what's a depreciation schedule and what does a quantity surveyor do?👉🏻 the factors that go into whether or not you can claim deductions👉🏾 how do claims work if you are the 2nd or even 3rd owner of the property👉 how many years you can claim on the structure of a property and even some renovations👉🏿 claims on items such as aircon units, blinds and carpets👉🏼 considerations if you're making renovations - you might still be able to claim on the things you're replacing!👉🏽 some cool info about amending past tax returns to back-claim missed or wrong deductions👉🏻 the process for getting a depreciation schedule👉 is it better to buy new or renovate?🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Thinking of buying an investment property? Here's what NOT to do! John and Emily talk about 6 mistakes to avoid.🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

John and Emily unpack the 2022 budget's Government schemes that will be of interest to buyers and investors, including:👉🏻 First Home Guarantee: more places made available helping people to buy their first home with a 5% deposit👉🏿 Regional Home Guarantee: you don't need to be a first home buyer to qualify for this one!👉🏼 Family Home Guarantee: helping single parents buy a home with a 2% deposit👉 NHFIC: more money going towards homelessness and housing in remote and indigenous communitiesAlso listen to 411 buying in flood zones, the return of overseas migration, rise of the regions + more with Eliza Owens🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

On today's episode we discuss some of the big influences affecting property markets across Australia right now. Emily and John chat with Eliza Owens, Head of Research at CoreLogic who shares some interesting insights into:👉🏾 property ownership in relation to gender👉🏿 property markets affected by recent floods👉🏻 factors that impact housing prices over time👉 the return of overseas migration👉🏼 and the rise of the regions🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Some great questions and topics in today's q&a! John and Emily discuss:👉🏾 considerations for buying property with a partner👉🏿 is going with a variable rate on your home loan risky right now?👉🏻 rapid increase of prices and growth in regional areas👉 when can a frosted window be replaced by a clear one?👉🏼 to sell or rent out hobby farm?👉🏽 will the sea change continue post-covid?🛑 Please read our disclaimer + warnings before listening to this episode🏡 Join the m3 facebook group🏡 Quick links to John and Emily’s online courses and $20 off The Glen James Spending Planmy millennial property is produced by SYMO interactive, home of my millennial money. Hosted on Acast. See acast.com/privacy for more information.

Thinking of getting into the property market? John and Emily chat with mortgage broker Randy Araya-Bishop from Sufficient Funds about:👉 going direct to bank vs a mortgage broker👉🏿 the different types of pre-approval assessments to suit your situation👉🏻 does getting a 2nd pre-approval affect your credit score?👉🏽 pre-approval turn around times👉🏾 check ins you might expect from your broker after securing your loan👉🏼 mortgage broker qualifications to be aware of👉 differences in lender assessments of your borrowing capacity👉🏾 parental guarantees & second mortgages👉🏿 locking in a fixed rate plus the differences of fixed and variable loansNeed help finding a trusted mortgage broker? Head to sortyourmoneyout.com and click Get Help.🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20.Join our Facebook community! Got a question for us? Use #propertyTake a look at John’s Solvere Online Academy and Emily’s first home buyer online course at the link below.Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more. Hosted on Acast. See acast.com/privacy for more information.

In today's Q&A, Emily and John discuss:👉🏾 how to use the equity in a $2M home if the goal is to build enough passive income to retire in 15 years👉🏻 is it worth keeping an investment property if interest rates rise?👉 3 good reasons to sell your investment👉🏿 navigating complexities and costs of selling your property👉🏽 due diligence when finding a buyers agentJohn and Emily touch on interest rate rises in the 2022 market outlook episode.Got a question for the show? Use #property in the my millennial money Facebook group.🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20.Take a look at John’s Solvere Online Academy and Emily’s First Home Buyer course at the link below.Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more. Hosted on Acast. See acast.com/privacy for more information.

At 22, Matt Srama bought his first home and continued on to buy another 3 throughout his 20s. In this episode John and Emily perform a little autopsy on Matt's money, career and property journey and Matt shares his key learnings, particularly about money mindset and purchasing property.🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20.Join our Facebook community! Got a question for us? Use #propertyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

What will happen with the market this year? John and Emily share their insights and thoughts on how the property market will play out in 2022, touching on:👉🏾the federal election👉🏻proposed changes to QLD’s land tax rules for interstate investors👉 interest rate rises👉🏿 what they're noticing on the ground👉🏽buy now or wait?👉🏼 a few of their predictionsYou can find data on vacancy rates at SQM ResearchCheck out the inspiring episode with Douglas!🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20.Join our Facebook community! Got a question for us? Use #propertyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Douglas shares his inspiring story of building a property portfolio which currently brings in $25k of passive income, amazing! He shares the stages of his investment journey which touches on:👉🏾 doing this on a casual income!👉 finding other options when he struggled to get a loan👉🏿 undertaking a joint venture with family👉🏻 how he travelled to 100 countries👉🏾 buying interstate👉🏽 his buyer strategy👉🏻 and thoughts on FIRE (financial independence retire early)🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20.Join our Facebook community! Got a question for us? Use #propertyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Interested in the property development space? This chat's for you! Peter Kelly from Little Fish Property Developments joins John and Emily to discuss:👉things to consider before purchasing a development👉🏾how much cash you need & the initial costs of getting started👉🏻common first timer mistakes to avoid🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20.Join our Facebook community! Got a question for us? Use #propertyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

In today's episode John and Emily unpack a scenario of a buyer who is weighing up two options, to buy the cheaper townhouse in a better location or pay 150k more for the larger free standing house? They also touch on:👉🏿some things to consider when buying a townhouse👉🏻when do you need a buyer’s agent?👉whether to buy a property before or after starting a business or changing career🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20.Join our Facebook community! Got a question for us? Use #propertyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.Click here for podcast resources, links to our stuff, disclaimer & warnings about this episode + more.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Ella has a goal to buy her first investment property but isn't sure how to create a strategy or where to start researching. We recorded her clarity call with John for anyone who may be in a similar position or interested to know what a clarity call is like! Here's where you can book a clarity call with John about your situation: https://www.sortyourmoneyout.com/reach-out🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planJoin our Facebook community! Got a question for us? Use #property: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimer & warnings about this episode + more check out: mymillennial.money/m3pshownotesWe acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Happy new year! For the first episode of 2022, Emily and John are joined by Cathy Stacey to unpack the law of economic rent. You might remember Cathy from episode 344 timing the market which you can listen to here: https://player.whooshkaa.com/episode?id=928639Here are the books mentioned in the chat.One Hundred Years of Land Values in Chicago: https://amzn.to/3CjnlD1The Secret Life of Real Estate and Banking: https://booktopia.kh4ffx.net/n1PvJVThe Power in the Land: booktopia.kh4ffx.net/yROeNbBoom Bust: booktopia.kh4ffx.net/7mDGgd🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planJoin our Facebook community! Got a question for us? Use #property: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimer & warnings about this episode + more check out: mymillennial.money/m3pshownotesWe acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Evelyn Clark from Everlend joins John and Emily on the show to discuss what's happening in the lending space. They touch on:👉🏾pre approvals👉🏻turn around time between different lenders👉10% vs 20% deposit👉🏿fixed loan offsets👉🏼the importance of having additional savings beyond your deposit👉🏾other costs when acquiring property👉guarantor loans👉🏻and strategic tips for investors🛑 Please read the disclaimer at mymillennial.money or at the link below before listening to this episode.Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planJoin the m3 Facebook group community! Got a question for John and Emily? Use #property or #firsthomebuyer: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimer about this episode + more check out: mymillennial.money/m3pshownotesWe acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Finding a good, trustworthy real estate agent to sell what is likely your biggest asset, can be a tricky and tiring process. John and Emily chat with David Ginnane about how you can find and compare top agents in your area using a service like Agent Select so that you can find one that's right for you. Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planGot a question for John and Emily? Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Scott Young is the Managing Director of Altus Financial and joins John and Emily to answer your tax questions surrounding property, including:👉🏾when's the best time to chat to an accountant on your property journey?👉🏿how often should you liaise with your accountant?👉🏻tips for minimising capital gains tax👉renovations and claiming tax deductions👉🏼is owning property in Aus when you're living overseas worth the tax complexities?👉🏽tax implications for negative and positive gearing👉🏿bucket companiesScott is one of Glen's trusted advisers. You can contact Scott and his team here: https://www.altusfinancial.com.au/millennial-moneyCheck out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planGot a question for John and Emily? Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

As always, John and Emily love discussing your topics and questions on the show! Make sure to get in on the action in the my millennial money Facebook group if you're not already there. In this episode they chat about: 👉🏽I'm trying to understand the risks and benefits of buying an IP. I feel like I psych myself up to do it then delve too far into research and get scared and stop👉capital gains tax when you have both lived in and used the same property as an investment👉🏾the difficulty of working out what is a good price to pay in a very heated market👉🏿just bought a home that currently has tenants renting. Should we keep using the existing property manager until their lease runs out or handle it ourselves?👉🏼Emily also gives a tip for investors who may have bought and inherited a tenant👉🏻feeling deflated about how long it will take to save enough to enter the market Here’s the episode with Shae and Daniel that Emily mentioned: https://player.whooshkaa.com/episode?id=928782Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Long term listeners, Daniel and Shae jumped on for a chat with John and Emily about their journey towards buying their first home, soon followed by two more investment properties. They also share their experience with using John’s property analyser calculator for their third purchase.Here's where you can find the property analyser calculator: https://www.solverewealth.com.au/the-property-analyser-calculator/Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Is it possible to forecast the right time to buy or sell? Today's chat is a little deeper than usual - buckle in! John and Emily speak with Cathy Stacey from Property Share Market Economics to unpack this question, touching on:👉🏾how Cathy's family members lost most of their capital in the global finance crisis which led her to dig into whether the GFC had been forecasted👉🏿why isn't market timing more common knowledge?👉🏻how Australia follows the US economy and cycles👉what the 18.6 year property cycle is👉🏼where are we right now in the cycle?👉🏽does the share market follow a similar timing?👉🏿when is the best time to buy and sell in relation to the cycle?Here's the resource mentioned in the chat: https://propertysharemarketeconomics.com/18-point-6-property-share-market-economics/Below are the two books mentioned as well.One Hundred Years of Land Values in Chicago: https://amzn.to/3CjnlD1The Secret Life of Real Estate and Banking: https://booktopia.kh4ffx.net/n1PvJVCheck out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Emily and John dig into some questions and topics from the m3 community, including:👉🏽how do you think the latest APRA lending laws will affect housing prices in Melbourne? Buy now or wait? 👉🏿applying for a mortgage on a casual employment but on consistent income and hours 👉considerations when buying a house and land package or buying vacant land 👉🏻Airbnb vs long term property rental 👉🏾tips for buying an investment property If you enjoyed this episode and haven't listened to our 'would you rather' episodes, take a listen below!Part 1: https://player.whooshkaa.com/episode?id=914667Part 2: https://player.whooshkaa.com/episode?id=916723Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

John and Em unpack some great questions sent in from the m3 community. They discuss:👉🏾is Sydney property worth long term investment?👉what renos done on an investment property can you claim on tax👉🏻pros and cons of low deposit home loans👉🏽can you use equity in an investment property to pay down your PPOR and does that equity become tax deductible?👉🏿buying a second property as an investment with future plan to knock over and build dream home. Things to consider other than location?👉🏾are vendors finance and lease options still relevant in our day and age?👉🏻do I get into the market now with an apartment to then turn into an investment property and buy a house later, or save an extra year for a lifelong ownership of a town house👉owning a house with family - should I continue to build a portfolio with them while saving for my own home or start building my individual portfolio?Here’s the episode discussing the ins and outs of renovations: https://player.whooshkaa.com/episode?id=811388Send us your questions and guest suggestions! Use #property in the m3 Facebook group: facebook.com/groups/mymillennialmoneyCheck out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planBook a clarity call with John or take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Our special guest for this ep is none other than Emily's dad, Matthew Wallace! He joins John and Emily to unpack the fundamentals of buying commercial property and shares some great insights into the market. Matthew has a wealth of knowledge and experience in this space and they touch on a lot of info in this episode, including:👉🏽the type of tenant, location, vacancy rates, lease terms and costs associated with buying a commercial property👉returns and vacancy rates are impacted by the demand of the tenant's industry, for example a retail business vs an industrial business👉🏿how much deposit is needed to purchase a commercial property and what are the loan interest rates like?👉🏻what commercial property spaces are performing well and growing👉🏾what key things would a buyer look for in a commercial space that is suited to a service-based business👉what might an investor who's looking to step into the commercial market need to consider to get started👉🏼a case study of a purchase Matthew helped to facilitate👉🏿when a fit out is required, is the tenant or landlord responsible?If you have more questions that you want to hear discussed on commercial property, let us know in the m3 Facebook group with #property and #commercial: facebook.com/groups/mymillennialmoneyCheck out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

John and Emily are continuing on with answering more 'this vs that' scenarios from the m3 community. In this episode they discuss, would you rather...👉🏾buy a house or use the money to get married?👉a modest home and an investment property or your dream home though it has a larger debt?👉🏻the best house on the worst street or the worst house on the best street? Classic!👉🏽buy at the top of your budget right now or wait 8-10 years for a “better time”👉🏿build up or built out?👉🏼a freehold, crap house in an average location or a nice apartment in a good location BUT the main bedroom shares the same wall as the bedroom next door and the neighbours are very loud at random hours of the day or night 🙊 (oh and also you must stay there for 10 years lol)👉a house with character or a house that's bigger in size👉🏾a really nice house with lousy furniture/appliances or a standard house with state of the art appliances?👉🏻use $20k to make your home more energy efficient or to add an extension which includes an ensuite and indoor/outdoor space?👉🏿renovate before you move in or wait 1-2 years?Haven't listened to part 1? Listen here: https://player.whooshkaa.com/episode?id=914667Here’s the episode on solar that Em mentioned: https://player.whooshkaa.com/episode?id=909443Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

This or that, which would you pick? We asked the m3 community for some fun scenarios and got so many that we had to split this into two parts! Emily and John answer, would you rather:👉🏽live in your dream home and work an extra 10 years to pay for it or buy cheaper and retire earlier?👉a crap neighbour and pretty house or normal neighbour and a less pretty house?👉🏿a house with a dishwasher or a house with air con?👉🏻a garden or a balcony?👉🏽a small house in a prime location or big house in a not so prime location yet?👉🏼a house with not much natural light or a house with lots of natural light but needing to put up with seeing an ugly naked man regularly in the building opposite you? 😂👉a brick or weatherboard house?👉🏿live with your parents/in-laws and save for a house deposit faster or rent and save slower?👉🏻cookies & cream or choc mint? awww yeah👉🏽putting your house deposit in a high interest savings account, term deposit or the share market?Join the conversation and send us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyCheck out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Matt Frawley is a pro NRL player for the Canberra Raiders and an avid listener of the show! He joins John and Emily on the podcast to share his money story, life as a professional footy player, buying property in Canberra and aspirations for getting into a career in property post-footy career.Keen to hear about fixed and variable loans? Check out episode 333: https://player.whooshkaa.com/episode?id=896757Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planChat with John and Emily! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Here it is, the long requested episode on solar! There's been a ton of interest on this topic in our community so we are fortunate to have Richard from United Solar Energy joining John and Emily to answer all our burning questions. Here's what they chat about:👉🏾why solar is becoming more and more of a hot topic in recent times👉the benefits of solar installation in Australia for home owners and rental property owners - seeing pay back over a short period of time, affordability and average daily savings of 50-80% of electricity costs, pretty amazing!👉🏻what to look for in a house if you are planning to buy and install solar down the track👉🏿how do I know if my old roof can withstand solar panels?👉🏼the importance of research and asking the right questions to your energy consultant to maximise your benefit from solar👉🏽a case study of the kinds of costs and returns you could expect👉the discussion that solar doesn't produce enough ROI because of the low return from selling your energy to the grid👉🏾do you generate more solar energy depending on how much sunlight your area gets?👉🏻can you get solar to heat your pool?Learn more about United Solar Energy: https://unitedsolarenergy.com.au/Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Emily and John answer questions posted by Claire, Chelsea and Courteney in the m3 Facebook group!Check out some of the episodes mentioned in the chat: Ep 251 alternative ways to find properties: https://player.whooshkaa.com/episode?id=772520Ep 319 new regulation for short-term rental accomodation (STRA) in NSW: https://player.whooshkaa.com/episode?id=832032Ep 330 on choosing home size: https://player.whooshkaa.com/episode?id=888369Ep 327 on deciding whether to buy regional vs city: https://player.whooshkaa.com/episode?id=853885Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

More questions, more answers! Emily and John discuss:👉is land banking a worthy investment?👉🏻how do I know when to cut my losses on a bad investment property purchase?👉🏾what insurances should I look out for when buying into a body corp or strata arrangement?👉🏽what does 'doing due diligence before you buy' actually mean?👉🏿should I buy commercial property?👉🏼how can I increase my serviceability when I’m on a lower wage?👉plus Emily shares a personal property winHere’s the episode on what to look out for in a property before you buy: https://player.whooshkaa.com/episode?id=845722Take a listen to our sister podcast for tips on how to increase your salary: https://player.whooshkaa.com/shows/my-millennial-careerCheck out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planChat with us! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Emily and John answer some great questions from the m3 community! They chat about: 👉🏾how do I use equity from my property to buy another one? What’s the difference between using cash vs equity as a deposit? 👉how do I get a valuation done on my house? 👉🏿does getting multiple valuations impact my credit score or ability to get finance? 👉🏻is it better to have the majority of your debt against an investment property rather than your PPOR for negative gearing? 👉🏼is it better to have a townhouse instead of a house on land in order to pay less land tax? 👉🏿should I buy my own home or rentvest? 👉🏾how do I research areas to buy an investment property in with relation to rental yield? How to calculate gross rental yield: Step 1: Multiply the weekly rent by 52 to get the annual rent Step 2: Divide the annual rent by the property purchase price Step 3: Multiply that figure by 100 to get the percentage of the gross rental yield Here’s the episode Emily mentioned which touches on interest only vs principal and interest loan repayments: https://player.whooshkaa.com/episode?id=896757Here's the link for SQM Research: https://sqmresearch.com.auCheck out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://www.mymillennial.money/spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

We're talking about loans and answering your FAQs! Mortgage broker, Rachelle Kroon from Sphere Finance, joins Emily and John for this chat. They touch on:👉why would someone go to a mortgage broker instead of a bank for their finance?👉🏾should I choose a fixed or variable loan rate and what are the pros and cons of each?👉🏼what’s the difference between an offset account and redraw facility + how do they work and do you need one?👉🏽getting into the market (potentially sooner) with a parental guarantee: how it works, can you use one for an investment property and can you use them more than once?👉🏻should I go with interest only or principal and interest for my loan repayments on my home or investment property?Check out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://education.mymillennial.money/courses/the-glen-james-spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

John and Emily talk property with former AFL player for the Brisbane Lions and Brownlow Medallist, Jason Akermanis aka Aker! The chat touches on Jason's move into real estate and his insights on the current market, including:👉what Jason’s been up to since retiring from his footy career and his journey into auctioneering and real estate👉🏻the shifting mentality he’s noticed towards auctions in recent times within the Brisbane market👉🏿stock shortage and oversupply👉🏾tips for choosing a real estate agent that’s right for you👉🏽tips for first time buyers looking to get into a hot marketConnect with Jason on FB: https://www.facebook.com/Akerproperties and Insta: https://www.instagram.com/jason_akermanis_propertiesCheck out The Glen James Spending Plan and use coupon code "m3p" to save $20: https://education.mymillennial.money/courses/the-glen-james-spending-planSend us your questions! Use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at mymillennial.money. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Strap in! John and Emily are going deep and narrow on what the Brisbane 2032 Olympics might mean for the housing market and what to consider when buying your first investment property or growing your portfolio.Check out The Glen James Spending Plan and use coupon code "m3p" to get it for under $50... save $20: https://education.mymillennial.money/courses/the-glen-james-spending-planSend us your questions! Email [email protected] with ‘my millennial property’ as the subject or use #property or #firsthomebuyer in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below and John's buyer's agency here: envisageproperty.com.auFor podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

You guys have been sending us heaaaps of questions and we are loving them! John and Emily get stuck into a few, touching on:👉what to consider for renting out or selling your first home when upsizing👉🏻the upsides and downsides of rentvesting, and ‘freevesting’👉🏼exit strategies if paying interest only on an investment loan👉🏾whether to go for an older more spacious townhouse or a newer compact oneCheck out The Glen James Spending Plan and use coupon code "m3p" to get it for under $50... save $20: https://education.mymillennial.money/courses/the-glen-james-spending-planKeep sending us your questions. Email [email protected] with ‘my millennial property’ as the subject or use #property in the m3 Facebook group: facebook.com/groups/mymillennialmoneyTake a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

John and Emily unpack the concept of hot spots, touching on:👉🏼some data comparison of a few towns across NSW👉do they exist?👉🏿what to include in your strategy to help identify the perfect hot spot for you👉🏻where to find market insights👉🏾is it necessary to view where you buy?Take a listen to the episode with Jeremy Sheppard which touched on hot spots: https://player.whooshkaa.com/episode?id=834183You can find free market insights from: https://www.realestate.com.auhttps://www.domain.com.auhttps://sqmresearch.com.auhttps://www.abs.gov.auSubscription-based resources include: https://www.corelogic.com.au and https://www.realestateinvestor.com.auCheck out The Glen James Spending Plan and use coupon code "m3p" to get it for under $50... save $20: https://education.mymillennial.money/courses/the-glen-james-spending-planSend us your questions! Email [email protected] with ‘my millennial property’ as the subject.Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: mymillennial.money/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Emily and John are answering your #property questions and case studies in the m3 Facebook group! This chat touches on:👉how to work out when it's okay to extend your budget👉🏽using the loo at open homes 😅👉🏿moving interstate and wanting to buy a property👉🏻relationships + property purchases👉🏼should you get solar? Let us know if you want us to do a deep dive episode on this one👉🏾should you set a higher budget to get the property you want if it means missing out on first home buyer stamp duty perksCheck out The Glen James Spending Plan at the link below - use coupon code "m3p" to get this for under $50... save $20Send us your questions! If you're listening outside of Australia, include where you're listening from. Email [email protected] with "my millennial property" as the subject.Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Those regional prices can sure look attractive compared to the city! Emily and John use Victoria as a case study and chat about what you might consider when choosing where to buy, touching on:👉🏼median property prices and looking for ‘poor cousin’ opportunities when a city suburb is out of your price range 👉defining your strategy and goals👉🏿factors for owner occupiers to consider👉🏾factors for investors to considerCheck out The Glen James Spending Plan at the link below - use coupon code "m3p" to get this for under $50... save $20Send us your questions! Email [email protected] with the podcast you want your question answered on as the subject.Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.

Listener of the show, Jyh Kao, shares his investing journey of building a portfolio in his 20s and what he's learned along the way. Emily and John interview him, touching on:👉🏿his money story growing up👉🏽his income throughout his journey👉🏻mindset around saving and building wealth👉🏾how he got into the market👉what he did when he hit borrowing capacity👉🏿buying interstate👉🏽how doing cosmetic renovations increased his cashflow👉🏻strategies and lessons learned along the way👉his personal and professional goals for the futureCheck out The Glen James Spending Plan at the link below - use coupon code "m3p" to get this for under $50... save $20Send us your questions! Email [email protected] with the podcast you want your question answered on as the subject.Take a look at John’s Solvere Online Academy and Emily’s online course (The Buying Coach) at the link below.For podcast resources, links to our stuff, disclaimers & warnings about this episode + more... check out: https://www.sortyourmoneyout.com/m3pshownotes🛑 This podcast is for education and entertainment purposes. It is not intended as a substitute for professional financial, tax or legal advice. Any advice is general financial advice only which does not take into account your objectives, financial situation or needs. Because of that, you should consider if the advice is appropriate to you and your needs, before acting on the information. If you do choose to buy a financial product read the product disclosure statement and obtain appropriate financial advice tailored to your needs. We may discuss products, services and answer listener questions on this video for entertainment & illustration purposes only. We may change the name of the questioner for anonymity. It is impossible to give you personal advice on an entertainment podcast as we do not know the details of your personal financial situation. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies that may be communicated in this podcast. SYMO interactive Pty Ltd, the publisher of the podcast, is an authorised representative of MoneySherpa Pty Ltd which holds financial services licence 451289. Please read our Financial Services Guide located at sortyourmoneyout.com. This podcast is intended for residents of Australia.We acknowledge the darkinjung people, Traditional Custodians of the land on which our studio sits, and pay respects to their Elders past and present. We extend that respect to Aboriginal and Torres Strait Islander peoples who may listen to our podcast. Hosted on Acast. See acast.com/privacy for more information.