In this episode of Inside Residential Property, host Liam Garman is joined by Patrick Casey, managing director of Rethink Wealth, and Andrew, a young and active investor, to unpack a practical financial playbook for Australians in their 20s to 40s looking to build wealth through residential property.

Using Andrew's real investment journey as a case study, the episode explores how early action, smart asset selection, and strategic use of debt can accelerate portfolio growth, while also highlighting the financial trade-offs that often emerge as investors juggle serviceability, borrowing capacity, lifestyle goals, and tax considerations.

Andrew shares how he entered the market in 2018, starting with a modest Queensland unit and later using equity and timing to progress through off-the-plan and renovation-led moves. The conversation then turns to one of the most common forks in the road for younger investors: principal place of residence versus rentvesting. Patrick and Liam unpack how each path can influence borrowing capacity and long-term flexibility, and why personal circumstances, including relationships, future family plans and lifestyle needs, should be considered alongside spreadsheet outcomes.

The episode also tackles the longer-term question of when to shift from capital growth to cash flow, outlining the risks of transitioning too early (and sacrificing asset quality) or too late (and being asset-rich but cash-flow poor). Patrick shares a clear framework for thinking in "windows of opportunity" across life stages, and why building a team and having a plan matters more than chasing the next hotspot.

What you'll learn in this episode:

• How investors in their 20s to 40s can build a strategy that supports long-term wealth creation.
• Why "action over perfection" often matters in the early accumulation phase.
• How serviceability and borrowing capacity shape what's possible – and when it can happen.
• The key differences between rentvesting versus owning your home (and how to decide).
• How capital gains tax (CGT) rules and transaction costs should influence buy, hold, or sell decisions.
• When it makes sense to transition from capital growth to cash flow – and the risks either way.
• Why property flipping and "hotspot hopping" can quietly destroy long-term returns.
• How to avoid analysis paralysis and focus on sustainable, high-quality asset decisions.

This episode is essential listening for younger residential property investors who want clarity on the financial strategy behind portfolio growth – offering a practical, experience-led perspective on serviceability, tax, life-stage planning and how to keep making smart moves without getting stuck.