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Live the life you want! [www.infinitewealth.com.au]

03/06/2026

Three lies have shaped how most Australians think about money.

And all three are expensive.

Lie one. You need to be rich before you can invest.

Wrong. Most of our clients started exactly where you are right now.

Lie two. Working harder will fix your finances.

Working harder without structure does not close the gap. It just creates a bigger leak at a faster pace.

Lie three. Property investing is only for people who already own their home.

Also wrong. In some cases investing before you buy your own home is actually the stronger strategy.

Here is what makes these lies so dangerous.

They feel like common sense. Everyone around you repeats them. So they never get questioned.

But common sense is not the same as correct.

The Australians who build genuine lasting wealth almost always had to unlearn the common sense before they could make real progress.

The beliefs holding most people back are not laziness or lack of income.

They are ideas that were never true to begin with.

03/06/2026

Think you have a handle on your finances? Three questions.

How much tax did you pay last year?

Almost everyone answers one of two ways. Too much. Or I do not know.

The single largest deduction from your pay packet and most people cannot tell you the number.

How is your superannuation going?

Same story. I do not know. Or not great.

And the final one.

What percentage of Australians retire completely self funded, with no government assistance at all?

Most people guess somewhere between 2% and 10%.

They are not far off.

The real number sits somewhere in that range and it is confronting no matter how you look at it.

Here is what that means in practice.

Nine out of ten Australians will reach retirement dependent on some form of government support.

You already knew the odds were not good.

So the only question that actually matters is this.

What are you doing about it?

03/06/2026

On May 12th the rules changed.

Most investors still do not fully understand what happened so here it is in plain language.

Negative gearing on established residential property purchased after May 12th is gone.

The 50% capital gains tax discount is being replaced with a 30% minimum tax on inflation adjusted gains from July 1st 2027.

Now here is what the headlines are glossing over.

If you already own investment property you are grandfathered. Nothing changes.

If you purchased before May 12th you are grandfathered too.

And new dwellings are completely exempt.

Negative gearing still applies on new builds.

The original capital gains tax discount still applies on new builds.

The government has drawn a line directly down the middle of the property market.

Established properties just became significantly harder to invest in.

New dwellings just became significantly more attractive.

This is not a moment to panic.

It is a moment to understand exactly which side of that line your next purchase should be on.

Comment NEW BUILD below if you want to understand how these changes affect the numbers on your next investment.

02/06/2026

In 1983 a man named Fred Harrison wrote a book on economic cycles.

He had studied them going back more than 600 years in the UK.

In that same book he accurately predicted the housing crash of 1992. Nine years before it happened.

That got my attention.

Then I found Philip Anderson. He wrote a book called The Secret Life of Real Estate and Banking, the single hardest book I have ever read in my life. An economist tracing every major cycle across 300 years of data.

Phil accurately predicted the housing crash of 2009 to 2010.

Then in January 2016 he predicted the market would peak at the end of 2019 and a major stock market crash would follow in early 2020.

We were so confident in that research we started sending messages to our clients.

Be ready. A major crash is coming in early 2020.

Then COVID hit.

Nobody predicted a pandemic. But here is what most people miss.

COVID was not the cause. It was a black swan event that exposed weakness that was already there. The global fragility existed before the virus arrived. The pandemic simply made it impossible to ignore.

The cycle called it. The event just pulled the trigger.

01/06/2026

The average superannuation balance for an Australian entering retirement is $324,500.

That generates roughly $17,000 a year in passive income.

Could you live on $17,000 a year?

Most people cannot even process that number as a realistic retirement income.

But it gets more confronting.

Almost 30% of Australians have not a single cent of superannuation saved.

Most people are shocked by that. Because super is compulsory, right?

It is. Unless you are self employed.

And Australia has one of the highest rates of self employment in the developed world.

So we have a system that is compulsory for some, optional for others, consistently underfunded across the board, and somehow expected to carry most Australians through twenty to thirty years of retirement.

The numbers do not add up.

And the people who figure that out early are the ones who stop relying on the system and start building something of their own.

01/06/2026

There are two voices in the property industry.

The first one sounds like this.

This suburb is hot. Ten percent growth. It is a good deal. Just get in the market now.

The second one sounds like this.

How does this contribute to your passive income goal? How does it fit your fifteen year strategy? Are we sequencing debt, equity and finance correctly at this stage of the plan?

Most of the industry is the first voice.

It is loud, exciting and everywhere.

It is also how people end up with assets that do not connect, debt that does not compound and portfolios that stall after the second property.

At Infinite Wealth we operate like the second voice.

Not because the market does not matter.

But because building wealth is not about timing the market.

It is about time in the market with the right structure underneath it.

01/06/2026

Most people have no idea how banks actually calculate what they can borrow.

The RBA cash rate sits around 4.1%. Your actual loan rate might be 6%.

But banks do not assess you at 6%.

APRA requires a 3% serviceability buffer on top of that.

Which means your application is being stress tested at 9%.

That is why someone earning $150,000 a year walks out of a bank meeting approved for far less than they expected, confused and wondering what went wrong.

Nothing went wrong. They just were never told how the calculation actually works.

But here is what most borrowers never find out.

Different lenders assess income differently.

Different income types are treated differently.

Different ownership structures unlock different borrowing capacity entirely.

The bank that said no is one lender with one set of policies.

It is not the whole system giving you an answer.

A no from one institution is often a yes waiting to be found somewhere else, structured the right way.

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Subiaco, WA
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