Money Mentor Podcast™

Money Mentor Podcast™

Money Mentor™ is Australia's home of financial transformation. Hosted by Graeme Holm and Rachael Howlett, each episode shares the real stories of everyday Australians paying off debt faster, building wealth and creating financial freedom by thinking differently about money. Through inspiring client journeys, practical strategies and bold conversations that challenge conventional wisdom, Money Mentor™ will educate, inspire and empower you to take control of your financial future.

Episodes

His 30-Year Mortgage Could Be Gone in 3 Years | Anthony | CHANGING LIVES | S4E69

September 20, 2026 • 40 mins
After 22 years in the military, Anthony was still renting. 10 months later, he owns 4 properties. After 22 years in defence, Anthony always thought he was doing well with money. He wasn't. He was renting, holding onto 1 investment property, and every dollar that came in went straight back out. In just 10 months with Infinity, he bought his own home for $660,000, built $40,000 in redraw in around 6 months, and added 3 investment pr...
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Inside Infinity: How Its Own Staff Build Wealth | Elly & Taryn | CHANGING LIVES | S4E68

September 16, 2026 • 50 mins
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 prop...
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Paid More Off Their Mortgage in 1 Year Than The Previous 7 | Jacinta & Josh | CHANGING LIVES | S4E67

September 13, 2026 • 52 mins
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...
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Now Their Mortgage Could Be Gone in Just 3 Years | Sam & Britt | First 90 Days S1E7

September 9, 2026 • 25 mins
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 t...
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How They Wiped 10 Years Off Their Mortgage in 12 Months | Kirsty & Jake | CHANGING LIVES S4E66

September 6, 2026 • 44 mins
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 ...
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From “Not Ready” to $30K Off Their Mortgage in Just 90 Days | Monique & Sean | First 90 Days S1E6

September 2, 2026 • 29 mins
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...
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They Had $1M in the Bank… But Were Doing It Completely Wrong | Benji & Cherry | CHANGING LIVES S4E65

August 30, 2026 • 52 mins
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 realis...
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$86K Off Mortgage in 90 Days | Brad & Fiona | First 90 Days S1E5

August 26, 2026 • 20 mins
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 thei...
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In 2 Years, They Reduced Their Mortgage By $220,000 | Clare & Stewart | CHANGING LIVES S04 EP64

August 23, 2026 • 51 mins
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 fre...
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Sydney Rents Hit $900/Week, Melbourne's Auction Comeback & the Migration Cap Debate | Wilson Monthly

August 20, 2026 • 56 mins
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...
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From $9k Off Our Mortgage in 1 Year to $17k in Just 90 Days | Andrea & Darrel | First 90 Days | S1E4

August 19, 2026 • 23 mins
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 fin...
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The Super Trap That Catches Australians | Woody & Natalie | CHANGING LIVES S04 EP63

August 16, 2026 • 54 mins
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 holdi...
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At 50, 90 Days Changed Their Whole Retirement Plan | Kelly & Rubes | First 90 Days | S1E3

August 12, 2026 • 19 mins
Kelly turned 50 last year with $666,000 still owing, and it started to feel like they had left it too late. Want to improve your own financial future? Our free webinar is where to start: 👉 https://bit.ly/43V2jKN After more than 20 years working at CommBank, the only advice she had ever heard was to pay the minimum. Retirement had started playing on her mind and she had no confidence in what was waiting. Rubes had been at her ab...
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How They Cut $240,000 Off Their Home Loan in 2 Years | Gemma & Toby | CHANGING LIVES S04 EP62

August 9, 2026 • 42 mins
Gemma and Toby were comfortable. Good jobs, a house they'd built on ten acres, a $425,000 mortgage they weren't losing sleep over, which is exactly why doing nothing felt so easy. Then Gemma sat through a free webinar, decided to test what she'd heard about credit cards, and closed hers from the front seat of her car. They talk through the declined card that changed how she spends, Toby's scepticism right through the first strategy...
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At 58 We Cut 7.8 Years Off Our Mortgage In 6 Months | Vince & Carmela | CHANGING LIVES | S04 EP61

August 5, 2026 • 51 mins
Everyone told Vince and Carmela they were lucky. Seven years on a 1.99% loan, they'd paid off $7,000. Want to improve your own financial future? Our free webinar is where to start👉 https://bit.ly/43V2jKN Vince and Carmela met at 19, built their dream home, and spent the next thirty years refinancing it, so many times Vince has lost count. Credit cards were the safety net. One Christmas Eve they bought the kids $1.99 toys off a 7-E...
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We Wish We'd Done This Sooner…” | Joanne & Ray | First 90 Days | S1E2

August 2, 2026 • 22 mins
They thought they were doing everything right, until they realised how much longer they'd be paying off their mortgage. This honest conversation follows the moment everything changed, from scepticism and uncertainty to a clear financial plan with a goal they never thought was possible. 👉 If this story resonates with you and you want to start setting yourself up for financial freedom, it all starts with our free webinar: https://bi...
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The Decision That Changed Their Financial Future | Sam & Brad | First 90 Days | S1E1

July 29, 2026 • 19 mins
Before reaching 90 days with Infinity, Sam and Brad had paid off a personal loan, reduced their mortgage by $17,000 and purchased two investment properties in one week. 👉 If their financial journey resonates with you and you want to start setting yourself up for financial freedom, it all starts with our free webinar: https://bit.ly/43V2jKN Before Infinity, their money was spread across eight accounts. They had a $445,000 mortgage,...
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Inflation, Melbourne's Green Shoots & Negative Gearing | Wilson Monthly Market Update July 29

July 28, 2026 • 58 mins
This month's Wilson Monthly Market Update kicks off with a hard look at the Prime Minister's recent comments on negative gearing reform — and why the reasoning behind restricting it to one or two properties doesn't match how Australian tax law actually works. From there, the conversation moves into what's shaping up to be one of the biggest questions facing renters and investors alike: as investors exit the market ahead of ne...
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$528k Down To $20k in Three Years. | Luke & Kellie | CHANGING LIVES | Season 4 Ep62

July 26, 2026 • 56 mins
In this episode of "The Money Mentor," Rachael sits down with Luke and Kellie - and this one carries an important warning for anyone who has ever placed their trust in the wrong hands. In 2017, they did everything by the book - hired a financial planner and followed professional advice to the letter. They were advised to sell their house and ‘rentvest’. Years later, sick of renting and moving multiple times they realise...
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Proving Wealth Creation is Possible Under 30. | Grace & Kale | CHANGING LIVES | Season 4 Ep 61

July 22, 2026 • 50 mins
In this episode of "The Money Mentor," Podcast Rachael sits down with Kale and Grace - and if you are young and wondering whether now is the right time to get serious about money, this episode is for you. At twenty-six and twenty seven, they had done something many their age only talk about - they got into the property market. But six months in, with a sizeable mortgage, almost nothing in savings, a wedding on the horizon, and a so...
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