26: Australia’s property investor with soul – A conversation with Julie Wyatt (Part 1)

[00:00:00] Get A and welcome to the Pursuit of Freedom podcast. I'm your host Rosie Burrows and I'm on a journey to find my freedom so that I can help you do exactly the same. Join me each week as I share

[00:00:13] the stories of everyday people have found their own past to freedom. I'm not going to focus on job titles and accolades because I don't care about that stuff, and neither should you.

[00:00:24] I want to uncover what truly makes you tick. Who are you when you step away from society's expectations and follow your heart? I still haven't figured it out yet. Have you? Either way, buckle up because it's going to be one hell of a ride.

[00:00:41] Hello and welcome to episode 26. I thought I might start telling you a bit more in these episode intro about what I'm up to. Just briefly and I want to share a win with

[00:00:53] you because today I figured out how to charge my laptop off 12 volts just as fast as I can charge it using the 240 volt charger. I am fucking stoked. That might be gibberish to

[00:01:06] some of you but damn it is awesome and I'm just stoked. Anyway, today's episode I'm talking to Julie. Julie's a property investor and she breaks every single bloody stereotype I have ever held about property investors. Hopefully she'll challenge your views too and you'll

[00:01:26] learn why property investing is so important to her. It's probably not for the reasons that you think. This is also part one of a two-part episode. So make sure you tune in next

[00:01:39] week to hear the rest of it, but I'm going to stop talking and just listen to Julie. She's an awesome person. Well let me just say you can probably hear the excitement in my voice in this intro but throughout

[00:01:52] the interview as well. I met Julie through TikTok. It's amazing. Absolutely amazing. I did have a few issues with the editing of this. We had some major echo going on but we persevered. I managed

[00:02:07] to get rid of most of it and post, but if it does sound a bit funny that is why please forgive me. Other than that, this one won't be going up on YouTube because the video is totally out

[00:02:20] of sync with the audio which is very frustrating. I pay for a river side so that I can have high quality audio on my video. But anyway, that is a complaint for another day. I'm gonna stop

[00:02:32] rambling. I need to turn my fan on because I'm sweating my ringer off in the fat in the van. There's no windows open because it's chucking it down with rain outside. All right,

[00:02:41] find some way comfortable and here's the episode. She wanted me to day is Julie. She's a firefight nurse, turned full-time property investor. She runs an all-girl renovating company in Perth called Shixit Renovate. She's all about turning ugly rundown houses into beautiful places to live

[00:02:58] and unlike a lot of investors out there, she actually cares about creating win-win situations or outcomes for everybody involved and Julie you've had to start from scratch twice over in this property investment journey to get to where you are today and you believe that we can truly

[00:03:12] have it all. I'm so excited to have you here today, thank you for joining us. What an intro. Wow. Awesome. Yeah, you've got it. You 100% has summed up my life in the last couple of years. That's

[00:03:27] incredible and that's exactly what's happened. So come from, you know, shitty relationship, difficult situations and I think I mentioned to you when we first started chatting that property out of all of the investment kind of journeys you can go on is the most forgiving and does

[00:03:44] allow you to start where you are, which was amazing. And I think as you go along your journey, you'll find that property particularly renovations which what we kind of specialise in is one of those tools that you don't have to be academically smart or have degrees or like

[00:04:04] if you've got a bit of get up and go in a bit of motivation, you can make it work and that's why I love about it so much. So, but that's what a great intro. Thank you so much.

[00:04:12] I love it. Oh my pleasure. It's always hard to sort of sum it up, but I did my best so I'm glad you like it. I want to hit you with a question though that I think some listeners might be thinking

[00:04:23] is I know it's a misconception I've had in the past. They're here property investing and they go, that's not for me I don't have money. I can't do that. So what do you say to that?

[00:04:34] I say that's Bolics. It's really a story right? You can make any story too. You can like formulate a story to explain why you're at where you're at and I did always one of those

[00:04:49] people I'm like, I can't do that. I don't, I don't qualify for a bank loan. I'm, you know, okay my personal situation when I started was like I was 40, I'm too old. This is crazy.

[00:05:01] Why would this be something that I could do? I'm a single mum. I don't have any assets. I don't have anything behind me. I've just walked out away from a shitty relationship with a six-year-old

[00:05:12] and I'm like, hmm, what do we do now? And I've always wanted to do property. So you can, you can say, oh, you know, it's all right for other people like they can do that stuff but,

[00:05:22] you know, realistically I had this burning desire to go, I want to learn about this because I knew that I had a little bit of money coming to me from probably settlement from the divorce

[00:05:33] which is not a huge amount of money for 20 years for a relationship. It was like okay, to me that was everything I wanted to invest in and I wanted to learn. I think when you said an

[00:05:44] intention the universe really does align, I don't know if you're into that we were so far, but that definitely has been a huge part of my journey. It's that okay, if you need to learn

[00:05:53] about something the universe will provide away. So I entered a competition to be mentored for 12 months by an amazing lady on the Sunshine Coast and I won the competition go figure I was

[00:06:06] in poor headland in like remote WA and I had just entered it and gone, oh yeah, whatever put out of my head and they called me and they said, can you be on Sunshine Coast on the weekend?

[00:06:18] And I'm like, do you know where I live? And they went, yeah, just on point of playing it's all good and I'm like, oh my god, I had a business around. I had a child every excuse under the

[00:06:30] Sunlight couldn't do it and then I started telling people about it and they're like, oh, yeah, that's a scam. You want to be really careful about what that sounds really random and I'm like,

[00:06:39] you know, what something inside of me was really curious and I'm like, okay, I'm going to do it. So I made it happen jumped on a plane, got to the Sunshine Coast through all night. I was like,

[00:06:49] knackered when I got there and then they put me in front of, I don't know, 700 crazy women. It was called wildly wealthy women and that was an event that changed my life. I, yeah, and nothing

[00:07:01] was the same. I like had the best advice from a, from an investor who does what she teaches, kicked my ass all the way for 12 months and that was an incredible moment. So no more

[00:07:13] story is about you don't qualify, you're not good enough, you're not smart enough, you're not, you know, you're two, two all blah blah blah. If there's a way of doing it properly definitely allows

[00:07:24] it and then I guess that's why I am so passionate about a particular teaching women that you're never to all and there's never an excuse if you want to do this stuff, it is always a way.

[00:07:36] I mean, there's a very long story back story to everything in someone's life. But all of that stuff happens for a reason. Who? Hmm. What was the tipping point for you or what made you

[00:07:49] start this property journey like did it just come out of the blue? Never comes out of the blue, Rosie. Well, a trick question. You know what, I, I firmly believe everyone, I'm going to be a

[00:08:02] little bit vulgar and swear a little bit because I think it's real but I think everyone has a fuck this moment situation where they go, I can keep going doing what I'm doing or I could change

[00:08:14] this and I had that fuck me moment when I realised I was so careful from my daughter. I had absolutely nothing to lose. I'm like if I don't change my future, this is going to be me for the next 50 years.

[00:08:28] This is bullshit. I don't want to do this anymore. This is crazy. I want to learn about property because I know it can change my life and I think no matter what your situation,

[00:08:37] if you decide the status quo has to change then you'll move heaven and earth and I think like I said the universe definitely delivers and when you decide that you're going yep they'll

[00:08:47] find a way to make this happen. That's exactly what will happen. I think if you don't have enough pain or you're wanting something to change nothing will change. You'll just sit there and

[00:08:59] continue and I know if I had never left my relationship but it's still be married today like he will never change but I'm like no I don't want to live like this anymore. I don't want

[00:09:08] to be your punching bag anymore. I don't want any of this shit anymore so you decide and that until you do that nothing will change. I think that's important. It really is and I know in my life

[00:09:22] I find it's the moments when I hit rock bottom that helped me put in perspective what is most important. 100% 100% yeah and I wish it didn't take hitting that low point so

[00:09:38] it's a pretty place. I think we're all like I think I have people all the time say to me the reason that they are so engaged with the things that I talk about and the things that I teach

[00:09:52] is that because you're real. That's what attracted me to you was that I love your stories. You're just a real check doing something that you love and I think when you're like that you know this

[00:10:02] plenty of renovators in my space that are on television and they're very glamorous and they have all the nails and the blonde hair and all that and I'm like that's never going to be me

[00:10:12] so I stand out there and my daddy ran over clothes and I'll tell people how it really is and I actually think that his more engaging than someone who's very polished and has everything

[00:10:21] perfect yet the products that we bring to market look like in epic right but then I tell people all the bullshit that's gone on between when we put the house and then all of the drama

[00:10:32] and you know and like a cute real is what people love. They don't want here I mean it's lovely looking at before and after photos it's awesome that it's boring after while they want to actually

[00:10:42] hear the real stuff and like I'm quite happy to tell really honestly okay this looks like absolutely dream but it was a shit show for a couple of months. Yeah I've been I've been

[00:10:55] following you on Facebook and your posts are just it's great you keep it so real like you do have the before and afters but I think it was I could get this wrong I think one of the workers

[00:11:07] fell in the pool or something with fertilizer or soil or something and it just turned into a big muck and took weeks to sort out you know and I read that and I thought oh

[00:11:16] poor my shit since you have the time when I got the call I'm like I just fell off the chair laughing first off and then I'm like oh god is he okay is he alright yes he's fine I said did his phone

[00:11:29] get drowned he said no actually had it on the side it was a good oh well I'm like this is a shit that happens and this is stuff that and you can't just sugarcoat and say you know everything's

[00:11:39] wonderful and yeah look at me look right up done and made all this money and blah blah people don't want to hear that they want to know the real story and the challenges that come with renovating

[00:11:49] because it's not easy it is you always get a let feel you know curve balls and stuff like that and it's just how you do with them and I think that's what makes it entertaining and engaging for people

[00:11:59] so how do you deal with these curve balls because when you first started investing oh sorry renovating these investment properties I'm guessing you know it's all pretty good you're learning

[00:12:09] when shit went wrong how did you cope with that and how have you learned over the years to just that's a great question I'm pretty proud of that yeah quick yeah actually I was on a

[00:12:21] I was on a cool one way classes yesterday at last night and I got this question and ladies just started renovating so she did the 12 week mastermind and she has project like

[00:12:33] she isn't real kick ass like she's out there doing shit and she goes oh my first my first issue and I went idea to get used to that right there's just one issue over there another she's like

[00:12:43] I'm freaking out I'm going oh they shut up running the budget on the first window over I'm right yeah I said to her I think it's really important to have a network of people that you can

[00:12:54] just go there obviously women that invest I'm really good at networking having a network around you is definitely one way of coping with it getting great advice having a mentor then their things

[00:13:06] that are really important and I think even if you don't have those things having your ability to talk to someone and go what do I do here what what is some really good advice and like people

[00:13:16] think that renovating is incredibly techy and stuff like that and now we learn a lot of stuff in doing YouTube YouTube I had how I do this and talk to do a lot of stuff and a lot of trades

[00:13:30] will actually if you say look I'm a newbie I don't know what I'm doing I'll quite happily show you and I think it's quite entertaining watching you do stuff but when you when when you show that

[00:13:42] you're actually pretty gut see and have a go there there's a huge amount of respect after a while but often they're very condescending and you can pick up a lot of stuff doing it that way so

[00:13:51] I think part of how you do with things like that is really about having a great network having good relationship with people around you, having built ability to just get it out and then what do they say? a problem shared is a problem hard exactly.

[00:14:08] having major freak outs about things that there's always a solution you just have to think of what that solution might be so I think a pretty good analogy for renovations is a problem solver there's always a problem that's tall and when it comes down to problems becoming big

[00:14:26] issues with money then you definitely need to figure out a way to solver without costing yourself a fortune so you become very good at thinking naturally you're thinking about okay I can't do it

[00:14:36] this way how else is going to get around it I think that's really important as well so yeah it's a huge learning curve Rosie I'm not going to show the code out like when you first

[00:14:45] going wide and I even start it's what am I doing here? but when you see they finish product you like I'm this makes it worth it this is really worth it. what would you say to people like me

[00:15:03] who can be stubbornly independent and sometimes not necessarily talking about myself see asking for help as a weakness what would you say to people like don't be stubborn I'm probably the most stubborn person out there as well and and stupidly independent so

[00:15:21] and have done stupid shit and like my advice to you is get help that's first thing that also you can't sometimes you can't do everything yourself and sometimes it's false economy

[00:15:35] to do that you know if you've never picked up a paintbrush and then you decide on going to paint this Renault it's probably not going to end very well for you it's kind of like we have a bit of a

[00:15:45] clue of what you're doing so the smart people will go yes I'm absolutely going to do this myself but I'm going to actually get some help I'm going to get some a lot of the painting stores

[00:15:53] were more than happy to show you teach you give you really good advice or you can talk to people you know who do it have done before don't be afraid to ask lots of questions and ask for help

[00:16:06] and I think that's that's a huge plan like you will run so much you'll make each of the stakes anyways do on the first one but yeah it definitely is don't be stupidly stubborn as

[00:16:17] what I call it because it doesn't end well for you I think there's so much help out there now and there's especially with online world like you can you can jump on and find out about anything

[00:16:27] we can ask lots of questions and some of those forums there's just so many so much free advice out there so yeah definitely definitely something to consider you can't know everything

[00:16:38] yeah don't do it but I think that's really cool that you actually do some of the work yourself so tell me a bit more about how how does this work like you you're clearly in there you know

[00:16:57] I've seen some of your posts and your footage like you're in your reino clothes you guys are doing stuff so how does this work first starting out that's actually a really good place to start so

[00:17:06] if you can do some of the work yourself especially the that's attractive parts then it is worthwhile to manage a budget so great way to learn as well I think our challenge has been

[00:17:18] doing too much of the work because then you can't scan your business if you're in it and that was a bit of a realization for us about 12 months ago I have the property mental that I work

[00:17:29] with and she's like I love her she's bolster the wall real she's like when are you going to stop doing the work because I see you doing growing an incredible business but you're in their painting

[00:17:41] you're in there doing what why are you doing that and I'm like yeah because I love it and she's like yeah but how can you grow your business and help more people which is a really valid point so

[00:17:51] now definitely is a great place to start but I think we're at the stage now where you know we're scaling and we're doing sore four or five projects at one time you can't be doing all of that

[00:18:02] and that's that's the reality so we just this week actually started out sourcing something that we used to do we do leaflet drops so we could talk to our homeowners direct and then we've

[00:18:13] outsourced that and it's a big step for us because I never wanted to do that but I don't have time to do it anymore so you know I'm just thinking oh well we'll see how that goes you know if you're

[00:18:24] embarking on your first renovation doing some of the work is actually really quite a good idea it's just about how far you want to go there and if you start sort of delving into jobs that

[00:18:35] you are not familiar with that is again false economy so I would be hesitant that's what I teach people like definitely being involved but don't do things that you don't understand or don't like electrical and plumbing for example not something you should be deviling with really

[00:18:50] no yeah and whilst I haven't renovated a property converting my van myself I wanted to do it myself because I'm stubborn and I thought it would be cheaper plus I wanted to learn but I made a lot of

[00:19:03] very expensive mistakes because I was stubborn and insisted on doing it myself so I'm actually some very important there is absolutely what you're saying and you learn like if you were to do

[00:19:15] that again would you do the same thing you would put it out slasher I'm cheesy alright I don't know you know that's the way yeah because it's cool really so if you do it and you do it badly then

[00:19:30] not only you're gonna cost yourself time which is actually available valuable commodity my world but you also it's false economy if you've got it done by someone who does it all day every

[00:19:41] day they're doing quickly quickly and cost you less money in the long run but it's just a learning curve you don't know everything when you start and you would have learnt I hate from actually

[00:19:51] having embarking on that on your own and so it's always a valuable lesson there's always a lesson never thing you do I guess so yeah I guess what I teach people to do is I'm turn this into

[00:20:03] a business and then then the game changes because you like you can't grow a business if you're actually doing all the work and not allowing you like allowing your team to take over and

[00:20:14] I'm very similar to you on stubborn I mean dependent it's my baby I don't want anyone else to have a gut right be doing this it's my reputation you have to lose all that shit and just go

[00:20:25] these guys are good at what they do I have to allow them to actually do what they're and it's been a bit hard one to let go of them gotta be honest alright you can't grow until you

[00:20:35] do that so it's all learning for me I still learn everything every day and what I love is something you mentioned before is that you've realized that in order to be able to help more

[00:20:46] people you need to be outsourcing and I feel like that's not something a lot of investors would say so why do you care so much about helping people in the community? That's a really good question

[00:20:59] I think someone asked me this the other day like why do I care about making so probably investors probably have a bad reputation in some ways like that that can be seen as

[00:21:13] only in it for the money and I have a couple of investors and renovators in my area who I have zero are respectful because that's exactly what they are they're all about look at me

[00:21:23] look at me they do things like when they finish to project they will list all the financials for that project and how much money they made and and I think that's absolutely tacky because they forget and I'm very mindful that people now in my community often the

[00:21:40] people that I've helped and would I want all of my financials, flashed in social media no I don't so I don't ever share stuff like that I think it's awful it's an awful way of doing things

[00:21:52] we actually I know that the whole win-win thing has been banished around for many years and it's probably got a bit of a wanky sound to it now but it really is how we run our business and for those

[00:22:04] people who know me and those people who follow me they'll know that integrity and honesty is a big part of our business but it is about helping people and we managed to do

[00:22:14] I guess I call it win-win-win because not only do we help the seller we help the agent so the agent makes money we make money and the person makes money and gets out of the dreadful

[00:22:27] situation they're often in so most of our deals all of them have a bloody story behind them it's incredible and I guess that's what sets us apart and I'm really really happy that that's happened

[00:22:38] and like you are a correct when you say how can you reach more people you have to grow your influence and grow your social media presence because if people don't know about you how you

[00:22:49] have done a reach and so yeah that's a massive part of it and the other part of how I help people I think is I've just recently started teaching people to do what I do simply so the reason I'm

[00:23:04] passionate about is because I want to I don't want other people to go through the trauma and shit that I went through I think if I teach people there's a better way then I'm helping massively

[00:23:16] not by I think by making their education and their information available so important because it can change a life and I'm walking living breathing proof of that so it's really important to me and the other really important reason is that I've been through that financial drama over near

[00:23:38] bankruptcy and a financial ruination kind of as a due to bad relationship decisions and so again when you've been through it personally what are you going to do you want you don't want

[00:23:49] other people to go through that shit so yeah it's very meaningful to me and I think we're about to start sharing some exceptionally personal a personal story from my perspective and then direct relationship to helping someone else in that situation and saving them from having to

[00:24:07] go through a awful predicament so when it's personally important to someone I think it makes a huge difference and that's why I'm passionate about it so yeah it's very powerful stuff for

[00:24:18] as you like you know it does have the ability to set to change someone's outlook and their situation if I'm an actual situation just gives that like empowerment and I think the biggest

[00:24:30] thing is it gives people hope because when you're in the when you're in the middle of that shit show you would do anything to have some hope and that's important. The first time we chatted you shared a story with me of the many renovations you've done but there

[00:24:52] was one and if you wouldn't mind sharing it I think you mentioned that you know they were defaulting on their loan and in a really bad situation because I know for me I was like well how

[00:25:02] do you create a win-win situation and investment I wasn't getting it but you actually helped save their credit rating and they also got a bit of money out of it so can you give us a bit of an

[00:25:13] overview of that so we get an idea. Yeah that's definitely this is that's one that's under contract at the moment it's in Falcon which is south of earth and we literally we did a

[00:25:26] letterbox drop the lady in question wasn't living in there so we didn't do letterbox drops down there but she was staying with her new partner and we delivered it a letter she's a dress she

[00:25:38] got it she was getting four closed on that afternoon four o'clock that afternoon and said bank were like we're done with this shit you haven't come to the part you you're so far behind it's not

[00:25:47] honey she had been left in an awful predicament by an ex abusive ex partner who'd done some illegal renovations to the house it looked like an absolute disaster she had tried to sell the house

[00:26:00] for herself the six months no offers because it looked dreadful she had done money to renovated she was in that horrible catch 22 like what do I do I'm screwed in the way at the moment and

[00:26:13] literally I didn't realise she didn't share that with me until we were right at the end of the renovation she said I don't know I think you guys are my guardian angels because I was literally on

[00:26:23] borrowed time like for a couple of those if that's it we're done anyway she rang David my business partner Melbourne who answers all of our calls live and then he called me and I went and saw

[00:26:34] her straight away and we did a we said to her look we don't know if we can help you if it's down this far the down the sort of bank route it's can be difficult to actually intervene

[00:26:46] and it was by no means an easy deal the house was in mass like a really bad had been maintained for a long time and as I said he'd done some illegal stuff and you're like oh where do we go with this but

[00:27:01] we wanted to help her because she's genuinely was in a should have a situation it took five months we started that process in January this year and we we had to go so with all the privacy laws

[00:27:15] you can't intervene on someone's behalf so we kind of we said to her if you know if you want to help you're going to have to play your part here like you're going to have to go into the bank

[00:27:24] and it's going to be hard and she's like I got nothing to lose I'm going to do this so you guys are here to help me I'm going to play my part and she so she went in and I think to her

[00:27:35] credit she um she absolutely laid it on thick she went in had hysterical screaming matches and that means they're out there like oh god get us warm enough because of the banking royal commission

[00:27:48] the banks don't want to be seen as a bad guy and they're like oh shit so that's has worked in her favor and then she said I have an opportunity to be able to actually get myself out of

[00:27:58] the shit here what I need you guys to do is give me some time and they went what are you talking about and so we she explained that we had an option contract on that we could definitely help

[00:28:09] with the renovator we could come in renovate the house but we needed time and if they would agree to stay off any more action then they would get their full money back and that put their

[00:28:20] ears off and they were okay so it went through the entire banking legal department in AZ and that's what took so long and of course it would have been very traumatic for her but she played

[00:28:31] a part she kept at it they agreed in the end to an option contract which has never happened this unheard of right five months they go 150 days they would stop any legal action she managed to

[00:28:45] talk to all her other debtors and they agreed to to stay off any legal action give her time they paid for the legal agreement to be written up which is again amazing and so we went

[00:28:58] in renovated the house found a whole heap of problems we didn't know about blue the renovation costs out the water but that's what happened sometimes made it look amazing it went on to the market

[00:29:08] is sat there for a bit then the right family came along they loved it it's under contract now it is settles on the 29th of November and once it settles she gets to walk away with

[00:29:22] right I think 40 grand she'll make out of it she will have enough money to go and do what she needs to do clear all her debts and not end up in a bankruptcy which is what all would have

[00:29:31] happened the bank will get their money and we've made it not a huge profit but not bad either for the matter workers gone into it so that situation like if we had an event it wouldn't have

[00:29:43] been great like she would have just been wiped out basically they would have just had a walk to change to a life yeah pretty much and she agreed to do a bit of an interview I made a video

[00:29:53] of that because I thought this is powerful stuff because how many other people are in this situation that we don't know about they don't know there's another way to do this and get them

[00:30:02] sell that out of the financial mess they're in and through no fault of her the guy left her with a whole heap of debt actually had to try and figure out who probably her only bad decision was

[00:30:13] so we're hooking up with them in the first place really but you know um yeah and it was it was a stressful deal but in some ways I think having been through that myself like I felt will

[00:30:27] empathy for her and if there's a way I can help then this is definitely it and she like we work all work together um David who's a huge part of our business as well we're in not in the same state

[00:30:39] but who's a huge empathetic man as well and you know we're both like how can we help her and I think when you have that intent and when you have that integrity then it it works so in this

[00:30:50] case we're able to help her so yeah I really want to explore that as a that's a niche or on its own I don't think it's anyone not going that I've never heard of it and it says so much about your character

[00:31:03] because it would have been easier to just walk away from that yeah yeah that would have been the easy way out right there's a beautiful house it's got it's one of those really character homes

[00:31:17] that's got I don't know has it it's over three levels it was completely eaten away by rats inside it was yet we didn't know any of that when we took it on we were like oh god what have we done

[00:31:30] we figured it out you know and it turned out good and some new family's going to love this house I actually think in some way she will be our biggest advocate as well I like she said to me if

[00:31:39] you want me to come in and start talking to banks and let them know the process from my perspective I definitely do it and go on podcast or whatever you want me to do I'll have you to do it

[00:31:48] oh yeah cool that would probably be very cool thank you for sharing that like I'm still taking it in like that really is life-changing she's gone from you know what sounds like absolute rock bottom and she's just on the verge of having $40,000 and she's going to wipe out

[00:32:05] a debt and can start a fresh and I think she's actually talking about um you know the ex-partner still causing her some grief and I said to her well you know send on your interview

[00:32:16] and and like if he left you with all this debt and there's probably things that you can do civil court to to remedy that like you know if he's going to be an idiot then you can definitely

[00:32:26] do some things as well so I think she's stronger now like emotionally that she knows that people have actually taken a taken her on as a as a something that we can do to help her you know

[00:32:40] and I think that's important so yeah and like there's so many people in that situation with all the interest rate rises there's a lot of people struggling out there and I think

[00:32:50] a lot of people don't talk about it because they're too embarrassed as a shame you know I know I want to tell you that they're in this horrible no-land of pain so that's why I think

[00:33:03] doing leaflet drops we actually you know you're not an agent you're not a um someone is going to judge and when when I go into someone's home and I'm just talking to them there's no bullshit

[00:33:16] you know they can see that I'm a real person and I'm not some scary investor from somewhere and I think that's um the you know that's I suppose why I want to grow my business so again

[00:33:27] you can reach more people you can help more people because there is a lot of people struggling out there and that I want to tell you and to you start asking the right questions and often they'll

[00:33:36] skip around it and I'll take a little while and I think my nursing background definitely comes into its own here where you can actually listen and find out what's really going on

[00:33:46] and then talk to people and women are really good at this shit men are not so great because they're too much ego often but women generally are very empathetic and can listen to what's

[00:33:56] really going on you can hear I can always feel I go in intuitively no there's something going on here they're not telling me yeah look at these we're off on now yeah absolutely we go back to being a nurse because I think a lot of people

[00:34:17] because you do this full time now but a lot of people I think would be as a tent to leave a secure job and I know for you you know you were nursing you were earning great money

[00:34:27] or was a safety net I think you referred to it as the Golden Hand Cuffs right which I can relate to but you were working 12 hour shifts you were on call and you were off the mindset well

[00:34:39] I have to keep doing this because otherwise I'm not going to be eligible for a bank loan but tell me what happened that made you go well fuck this.

[00:34:49] It's a bit of swearing and this isn't there but it's so true as you do you must take a great note to all we talk because yes that exactly it is I still got mates who do this so yeah you

[00:35:02] you know you earn a lot of money in the mining sector but you absolutely earn every centre of that like so yeah 12 hour shifts being on call after hours in exceptionally busy

[00:35:13] very unhealthy workforce you know all of that and I did that because I thought I had to for serviceability for banks right because my partner and I had a couple of properties and we

[00:35:25] wanted to continue doing those renovations and like build that up and I realized we actually put an offer in on a property locally and I literally could not have earned any more money if I had

[00:35:37] tried like we were on a hundred and a decade yeah that's a lot of money okay and anyone's language and I'm like how am I going to leave this um that was one thought pattern and then the bank

[00:35:50] just went oh no we're not going to give you a loan don't have to give you a reason either and I'm like really like how much more money do when he to earn this is crazy but it's not just the money

[00:36:00] you know what they also look at on the wrong side of 50 what's your exit plan was what I was getting asked and I'm like what exit of course I've got an exit plan I'm going to flip the

[00:36:11] bloody thing and sell it and make a monster money they don't see that they're not interested they've got their criteria and they and so I think that was another fuck me moment I'm like

[00:36:20] so I'm saying in a job that's killing me being away from home being away from everyone I love for what is you know this is rubbish so I just said and it took me a little while it wasn't

[00:36:31] just an instant I'm going to leave I'm like I went job share so I sort of cut down my hours even then I'm like this is bullshit but I thought that's gonna save you a box this is too hard

[00:36:43] I mean I'm very grateful because that did help me up financially but in the end you're like you can't rent a renovation from 2000 kilometres away doesn't work you know and it's not fair to

[00:36:53] put extra pressure on other people to carry that for you so I decided that okay what can go wrong I'm an S if I don't if it doesn't work for me or something happens then I have back up

[00:37:08] plan and even then I decided no I'm not having a backup plan I'm just going to do this shoot I'm going to make this work and that's what it comes down to Rosie you can have back at plan

[00:37:18] BC D in down to Z if you want that if you don't set the intention you're always going to go to backup plan at the end of day I went right if I'm going to do it I'm going to do 100% all in and

[00:37:29] I did or got off my house and actually made it happen but it's bloody hard now if anyone tells you that oh yeah you know just leave your job it's fine bullshit it's very hard and you do you worry

[00:37:41] you like I don't have any contingency here I don't have emergency funds I've got to make this work or else I go back to work and that's just and I've got a couple of guys in my group right now

[00:37:53] who in that situation and I get the frenzy calls in there like I don't call a flight for a bank loan unlike no shit sunshine of course you don't you don't have an income anymore remember we talked about

[00:38:04] this have to understand you are on your own you are doing it yourself and it's scary of course but there's definitely a shit ton of things you can do and I think that's you know you can look at all

[00:38:16] the scary stuff and make excuses and stories why you don't do it or you can go oh I didn't think about it like that and in my world I've started coming across people who can do no doctor no doctor

[00:38:27] loans who can do set you up with money partners like there's so many options out there it doesn't have to be a reality and I think that's a game changer and when people start

[00:38:37] understanding oh so if I set my intention this is what I want to do this definitely people that there can definitely help you it's just having the education network the knowledge

[00:38:48] so massive yeah so what do you say at the beginning that's my reality that I'm too old or I'm this on that well that's all bullshit because there is definitely ways you can do it I think that's the game changer when people start understanding that they're like oh

[00:39:07] I'm in this world 20 years ago why didn't anyone to who? what an episode isn't truly awesome oh I just going back and editing this I got excited all over again it was just such a good conversation

[00:39:28] please come back next week for part two drillie gets into some of the different ways you can actually get into property not using the bank there are other ways I just found it mind blowing it was

[00:39:40] awesome but then we get even deeper we talk about all sorts of things not just business related but life related I know you're going to love it I better stop talking and I'll see you next week

[00:39:57] if this episode resonated with you at all could I please ask that you share it with a friend who you think could get value from it and whilst you're doing that make sure you follow and

[00:40:06] subscribe to the podcast so that you never miss another episode and whilst you're following or subscribing please leave us a rating preferably five stars and also a written review doing each of

[00:40:19] these things is going to help this podcast reach more people and impact more lives which is at the end of the day is what we're here to do thank you so much I appreciate you remember you matter

[00:40:33] you're worth it and you are so so capable take care of yourself and I'll see you next week