Episode Description
Learn how to access equity, calculate your borrowing capacity and connect with Alex here: LinkTree
Rob's free offer: Anyone who comes through the show gets an initial consult at no cost, no obligation: https://calendly.com/rob-millennialwealth/initial-meeting
$200,000 in shares that grows 10% makes you $20,000. That same $200,000 as a deposit on a million-dollar property makes you $100,000. Same money, same year, five times the result.
That's leverage — and it's the single biggest thing separating the people who get there from the people who keep saving and wondering why they haven't.
But leverage isn't a free lunch. Borrow wrong, or borrow for the wrong reason, and the same engine that builds wealth can bury you.
Alex sits down with Rob Creaton — financial planner, founder of Millennial Wealth, and ex-army — to work through where property and borrowed money actually belong inside a financial plan. Rob doesn't pick a tribe. He works in both property and equities, and he's blunt about what each one is good at.
In this episode:
- Where to park money for the kids (and the 47% tax trap most parents don't know about)
- Why leveraged assets compound faster, explained without the jargon
- How much risk one investment property actually carries
- The insurance gap that shows up in almost every leveraged portfolio
- Why you probably don't need 30 properties to hit your goal
- Rent-vesting — what it really is, and why it stacks up for ADF members and city renters
- Interest-only vs principal and interest, in a changing negative gearing landscape
- Offset vs invest: the return-on-investment maths, side by side
- Timing your borrowing capacity around daycare fees, school years and income changes
- When to stop chasing the dragon
Rob's take on goals-first planning is the thread running through all of it: figure out what you actually want, then work out which investment gets you there. Not the other way around.
Rob's free offer: Anyone who comes through the show gets an initial consult at no cost, no obligation.
📍 millennialwealth.com.au | Instagram @millennialwealthau
🎧 Stick around for Pour Decisions — the aftershow.
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Finance, But Neat is hosted by Alex Watson, an accredited mortgage broker and director of Funded Finance.
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