In this episode, Hovig and Peter break down one of the biggest misconceptions everyday Australians have about money:
“I need more before I can start.”
…when the truth is, most people already have the ingredients — they just don’t know where to look.
From super, to equity, to tax dollars you’re already paying, this episode uncovers the “invisible money” sitting right under your nose — and how everyday mums and dads can use it to build wealth sooner, instead of waiting years to “save enough”.
They unpack:
💡 Why you don’t need to be rich to start building wealth
💡 The three main types of invisible money almost everyone has
💡 Why doing nothing is often the most expensive mistake
💡 How simple tweaks (home loan structure, cashflow clean-ups, using tax dollars smarter) can accelerate your financial position
💡 Real client stories — from people who started with little and still transformed their future
💡 The real cost of procrastination: renting vs buying, missing compounding, retiring on the pension
💡 Why advice needs to be personalised — not from Google, not from ChatGPT, not from guesswork
💡 What the top 5% of Australians do differently
Packed with straight talk, humour, and real-world examples, this episode will help you rethink what’s possible — no matter your income, age or starting point.
📞 Want to chat with our team?
Email us at [email protected]
or visit 👉 https://smartmoneygroup.com.au
A quick 10-minute conversation can show you whether there are areas we can help with — and the worst case?
You learn something valuable.

All strategies and information provided on this website are general advice only and does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial and taxation advice prior to acting on this information. SmartMoney Wealth Management is the parent company of SmartMoney Financial Services Pty Ltd (ABN: 67 618 468 741) a Corporate Authorised Representative (No: 001265087) of Bluewater Financial Advisors Pty Ltd (ABN: 99 153 118 533) the holder of the Australian Financial Services Licence no. 411846.
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