Elly and Taryn work at Infinity Group and used the same strategy as other clients to buy 3 properties.

Elly was a teacher paying $700 a week in rent on her own, and driving a novated lease car that cost her more than it saved. Taryn was 27 and renting, sure that buying alone was years away. Both used the same playbook Infinity clients follow. Elly sold her car, did Uber Eats at night, and 2 years on, owns 2 investment properties which have gone up $200,000 in equity. Taryn's parents went guarantor on her first place, and she's already paid off $10,000 since January.

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Jacinta and Josh were staring down a 30 year mortgage. In just over a year they cut it to 6.

Jacinta and Josh bought their first apartment at 23, paid the minimum for 7 years, and only chipped $90k off it. Strata issues forced a sale during Jacinta's maternity leave, and they moved in with family for 10 months to save for round 2, a $899k, 30 year home loan.

They found Infinity searching for an Australian version of Dave Ramsey. On their own they'd already pulled their timeline down to 19 years. With the debt reduction plan it dropped to 6 years and 7 months, and their balance has already gone from $899k to $784k in just over a year. They'll own their home before they turn 40.

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13 years together, no joint account, constant fights about money. 90 days later, they are $58,000 ahead.

Sam and Britt had been together 13 years and never once talked about money, no joint account, just the same quiet arguments coming back around. Britt saved without trying. Sam maxed out a $1,000 credit card and thought nothing of it. After a year of watching from a distance, they finally joined Infinity in April and found out their two properties had been cross securitised the whole time. Ninety days in, Britt has saved money for the first time in her life, they are already $58,000 ahead of plan, and their home loan could be gone in just over three years. The fights about money have stopped.

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Kirsty and Jake weren't broke, they were comfortable. Comfortable still left 13 years on the mortgage.

Kirsty has worked in real estate since she was 17 and was terrified of investing in property. Jake runs a waste business and watched Infinity Group for nearly 2 years before he said anything. From the outside they looked sorted, no credit cards, no debt apart from the house, bills always paid. Kirsty says it was comfortable, but it wasn't right, and neither of them knew how to fix it. In under 12 months they have taken just under $150,000 off their home loan and bought four investment properties. Jake's only regret is the two years he waited.

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Sean and Monique were told no for 3 years. 90 days in, almost $30,000 is off their mortgage.

Sean and Monique had spent years asking for help with their money and hearing no from everyone, financial advisors included. When Infinity said not yet back in 2023, they took it personally and went to work. The 3 years that followed were brutal. The business dried up after Covid, they lost a pregnancy two weeks before Christmas, a tornado cut their power for a fortnight, and they separated for a week to work out what they actually wanted. They came back, signed up in April, and two sweeps later almost $30,000 is gone from the mortgage. Sean still calls it witchcraft.

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Benji and Cherry had $1 million sitting in the bank and a $750,000 mortgage they never paid off.

They weren't struggling, and that was the problem. The cash sat there earning interest they were taxed on while they kept paying interest on the home loan, and Cherry was sceptical of Infinity from the start, convinced anything that sounded this good had a catch in it. What changed her mind was seeing their super broken down and realising what retirement would actually look like if they carried on exactly as they were. In this episode they talk about paying the home loan off straight away, why they still stick to a weekly budget now that they don't have to, and the 10 year goal Benji is not shy about. 

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In their 50s, Brad and Fiona paid $45,000 to the bank in a year, but less than $10,000 came off their home loan.

Their mortgage had kept creeping up, and they knew they needed a plan for retirement. After looking closer, they realised they had paid $45,000 to the bank in one year while reducing their loan by less than $10,000. After watching the free webinar and completing the masterclass, they saw a potential path to pay off their home loan in less than 5 years. Now, just 90 days in, the future feels very different.

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Clare thought the age gap meant she'd have to work long after Stewart retired. 2 years on, that's changed.

Clare and Stewart started with an $855,000 home loan, a credit card maxed out at $12,000 most months, and repayments that barely dented what they owed. Because of the age gap between them, Clare had quietly made peace with being the one still working long after Stewart stopped, funding a retirement that wasn't hers yet. A free webinar during a storm on holiday cracked that open, though she spent the next six months convinced it might be a scam. Two years on, their mortgage term has gone from 28 years to nine, and retiring together is finally on the table.

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Jim Chalmers says you'll "get over" the broken tax promise, but Sydney rents just hit $900 a week.

This month we unpack Chalmers' admission that Labor broke its negative gearing and capital gains tax promise, and what "you'll get over it" actually means for renters and investors. We cover the case for capping migration to housing supply, why first home buyer loan applications are down 19% while rents keep climbing, and the RBA's rate hold despite underlying inflation sitting at its highest level in years. Then the full data deep-dive: Sydney's price slump versus Brisbane and Perth's building boom, Melbourne's approvals slide, investor lending down 14.9%, and the auction clearance rates hinting at an early spring revival.

Money Mentor YouTube Channel: @moneymentorau

Dr Andrew Wilson on LinkedIn: /dr-andrew

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Darrel and Andrea paid off $9,000 in a year. In their first 90 days with Infinity, they paid off $17,000.

For years, Darrel and Andrea felt like they were doing everything right, paying the loan, saving, refinancing, and still going nowhere. When they finally sat down and ran the numbers, they were blown away to learn they'd been losing $200 a week without realising it, and admit they kicked themselves for waiting two years to find out. In their first 90 days, they paid off $17,000, almost double the $9,000 they'd managed in the whole year before. They've since bought their first investment property, started a second through their SMSF, and say it's taken a big weight off their shoulders.

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Woody and Natalie were in their 50s with an $800,000 mortgage, and the plan was to use super to clear it.

Good jobs, no debt except the home loan, and no real plan beyond the status quo. The retirement plan was to use super to pay off the mortgage and downsize, and it never sat right with Woody. There had to be a better way.

They talk about the light bulb moment that interest is calculated daily, the savings account they were holding while owing $800,000, and the slush fund Woody quietly ran for years. Less than two years later the loan sits at about $630,000, and Woody rang the bank because he could not believe it was real.

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