In this episode, Priyanka and Hardik Shah open up about the scarcity mindset they carried as students, the exact moment that mindset began to shift, and why they chose to write a book rather than chase another milestone. It's a raw, personal conversation about money, meaning, gratitude, and the quiet cost of being visible — something success never really warns you about.This isn't about how much we've built. It's about what we've learned along the way.In this episode:✔️ Why "more money" was never the real goal✔️ The scarcity mindset that shaped our early decisions in Australia✔️ The moment everything shifted — and how it changed our future✔️ Why we wrote a book instead of buying another house✔️ The hidden cost of success nobody talks about✔️ What 20 years of building a life in Australia actually taught us📖 Our book is out now — https://amzn.asia/d/0eFZJETy🔔 Subscribe for more honest conversations on money, mindset, and familyAbout Level Up with Priyanka Shah:A podcast for the Indian-Australian community on money, mindset, and building a life that actually feels like yours — hosted by Priyanka Shah, insurance adviser and community voice for NRI families navigating finance, wellness, and parenting in Australia.#LevelUpWithPriyankaShah #RedefiningSuccess #IndianAustralian

🏠 Australia's Property Market Crash Reality Check 2026 | Buy, Sell, or Hold?"It's very hard to sell right now.But it's a GREAT time to buy."In this episode, I sit down with ourresident mortgage broker Hardik Shahfor the most honest conversationabout Australia's property market,interest rates, business finance,and wealth protection strategiesfor Australian families.If you own property, want to buy,or are trying to build wealthin today's uncertain market —this episode is essential viewing.🎯 WHAT WE COVER:✅ Current property market reality across all Australian states✅ Negative gearing changes and what it means for investors✅ Should you buy or sell right now?✅ Victorian market vs Queensland, NSW and Adelaide — key differences✅ First home buyer strategies (5% deposit + stamp duty changes)✅ Interest rate predictions for 2025✅ Rent out your current home and upgrade strategy explained✅ Business vs property: which is the better asset now?✅ SMSF investing changes✅ Knock down and rebuild strategy for maximum equity✅ Why Indian families are leaving wealth protection behind✅ Getting young adults started on their property and insurance journey---💡 KEY INSIGHTS FROM THIS EPISODE:🏘️ THE MARKET RIGHT NOW:"Properties are not performing wellacross all states.It's very hard to sell.Buyers are low-balling everyone.Only sell if you HAVE to.Otherwise hold for 2 yearsand plan your next strategy."🎯 BUYERS MARKET OPPORTUNITY:"Desperate sellers are out there.If you have savingsor borrowing capacity —this is the time to act.Rent out your current property.Upgrade to a better homeor better suburb.Lock in negative gearingbefore the May 2026 deadline."📈 INTEREST RATE PREDICTION:"I don't see rates rising from here.The economy is too weak.Businesses are struggling.Unemployment will rise.Rates will stay the sameor come down in the next 12 months.A further rate rise couldliterally blow the bubble."🏢 BUSINESS AS AN ASSET:"If property isn't working —business IS the alternative.Buy a business making $5K/month.Grow it with your effort.Sell it at much higher profit.It's as good as aproperty investment —and you control the growth."🔨 KNOCK DOWN & REBUILD STRATEGY:→ Buy rundown house in good suburb→ Demolish and build new→ Make 15% margin on cost→ Live in it for 1-2 years→ Sell — NO capital gains tax→ Build wealth without market reliance🛡️ THE WEALTH PROTECTION GAP:"Indian families are so focusedon building wealth —buying property, buying businesses —that the security sideis getting left behind.And it's coming back to bite them.A wife lifting something at work.Shoulder injury. No insurance.What do you do?Build wealth. Yes.But protect it too."---🎙️ ABOUT OUR GUEST:Hardik Shah — Mortgage Broker- Specialist in residential and commercial property finance- Expert in business lending- Works closely with Indian-Australian families on wealth building strategies- Deep knowledge of first home buyer schemes and investment structuring🎙️ HOSTED BY:Priyanka ShahInsurance Adviser | Level Up Podcast- Helps Indian families in Australia build and PROTECT their wealth- Expert in combining financial planning with insurance and protection strategies- Advocate for holistic wealth management---🔗 CONNECT WITH HARDIK SHAH:LinkedIn: [Add link]Website: [Add link]Phone: [Add contact]🔗 CONNECT WITH PRIYANKA SHAH:Instagram: [Add handle]LinkedIn: [Add link]Website: [Add link]Book a strategy call: [Add link]---⚠️ DISCLAIMER:This content is for educational andinformational purposes only and doesnot constitute financial or investmentadvice. Property markets and regulationschange frequently. Always consultlicensed financial advisers, mortgagebrokers and legal professionals beforemaking investment decisions.---👍 If this was valuable, pleaseLIKE, SHARE & SUBSCRIBE

Is buying another investment property really the best way to build wealth?Or is it time to think differently?In this episode of Level Up with Priyanka, we sit down with business broker Vaibhav Grover and finance broker Hardik Shah to explore whether buying a business could be a smarter path to financial freedom.If you're an employee, IT professional, property investor, or first-generation Indian migrant in Australia wondering how to create a second source of income, this conversation is for you.We discuss:✅ Property vs Business – which builds wealth faster?✅ Can you buy a business with $150K–$200K?✅ The best businesses for first-time buyers✅ Businesses to avoid (and why)✅ How business finance actually works✅ Passive vs active business ownership✅ Due diligence mistakes that cost buyers thousands✅ AI, layoffs, and why relying on one income is becoming riskier✅ How to diversify your income without quitting your jobMeet the Experts :-Vaibhav Grover is a Business Broker who helps entrepreneurs and business owners buy, sell, and grow successful businesses with [email protected]+61 470 133 725Hardik Shah is an award-winning Mortgage Broker who specialises in residential home loans, investment property finance, commercial lending, refinancing, and tailored finance solutions, helping clients build long-term wealth through [email protected]:00:00 Intro02:18 Property vs business08:45 Best businesses for first-time buyers17:32 Businesses to avoid24:50 Buying with 150K–200K35:12 Business loans explained45:38 Passive vs full-time business54:20 Business opportunities01:01:15 Biggest mistakesWhether you're considering a café, laundromat, play centre, petrol station, Tats Lotto, NDIS business, laser clinic, or another opportunity, this episode will help you understand the opportunities—and the risks—before investing.If you enjoyed this episode, subscribe for more conversations on business, investing, property, taxation, insurance, and wealth creation for Australians.

The Australian budget has大变 (major changes)! Negative gearing for existing property in trusts is gone, and trust income now faces a minimum 30% tax rate – up from the previous 23.5%. In this deep-dive episode, Priyanka Shah sits down with expert accountant Maulik Shah and mortgage broker Hardik Shah to break down everything澳ra investors need to know about the new tax laws, property investment strategies, and end-of-financial-year action items.Key topics covered:✅ What changed in the 2026 budget (negative gearing, capital gains tax, trust distributions)✅ How the new 30% minimum tax impacts family trusts & business owners✅ Property investment strategies that still work (first home buyers, upgraders, SMSF)✅ End-of-financial-year tax tips: super contributions, expense prepayments, cash flow planning✅ Commercial property investing & SMSF considerations✅ ATO's new AI data matching: what high-income earners need to watch✅ When to use trusts vs. companies for property ownership✅ Common SMSF mistakes & how to avoid themPerfect for: Australian property investors, business owners, high-income earners, and anyone building wealth through property or superannuation.💡 Actionable takeaway: Don't panic – work with a smart accountant to restructure before June 30, 2027, and plan your strategy based on your cash flow and long-term goals.This episode is sponsored by Finsol Insurance – protecting what matters most.

👶 Is Your Child Struggling? What Every Modern Parent Needs to Know About OT"On the surface, my child looks perfectly normal... but underneath we are having a storm."Does this sound familiar? Your child holds it together all day at school — then completely falls apart the moment they get home. You wonder if their behaviour is "normal." You feel guilty for not doing enough. You've never even heard of Occupational Therapy.This episode is for YOU.I sat down with Prachi, a Pediatric Occupational Therapist, for the most eye-opening parenting conversation I've ever had. As a mum who took BOTH my children for OT (and had NO idea they needed it until their teacher identified it), this one is deeply personal.What I learned completely changed how I see my children.🎯 WHAT WE COVER IN THIS EPISODE:✅ What Occupational Therapy actually is (it's NOT just handwriting!)✅ Early signs your child might benefit from OT✅ Why children behave perfectly at school but explode at home✅ The truth about screen time✅ Sensory issues: meltdowns, picky eating, sleep problems explained✅ Fine motor skills beyond writing (why it matters for life)✅ How to support children struggling with friendships✅ The one thing missing from modern childhood✅ Why your child doesn't need a perfect childhood — they need a connected one✅ Are we forcing children into one version of "normal"?⏰ TIMESTAMPS:00:00 - Introduction: My personal OT journey with my twins03:15 - What is Occupational Therapy? (Not what you think!)07:30 - Early signs your child needs OT (patterns to watch for)12:45 - The stigma around OT: Why parents avoid seeking help15:20 - You don't need a diagnosis to see an OT18:00 - How children have changed (hint: they haven't — the world has)22:10 - Screen time: What it's actually replacing in your child's development28:30 - Sensory issues explained: Meltdowns, picky eating, sleep problems34:15 - The after-school volcano: Why kids explode at home38:00 - Fine motor skills: Why it's about more than handwriting42:20 - Social skills and friendships in the digital age46:30 - What ONE thing would you change about modern childhood?49:00 - Children need CONNECTION not perfection (game-changing advice)52:15 - Are we forcing children into one version of "normal"?56:00 - Rapid fire questions (don't miss this!)58:30 - Biggest advice for first-time parents📌 WHO SHOULD WATCH THIS:→ Parents wondering if their child's behaviour is "normal"→ Mums and dads feeling overwhelmed and guilty→ Anyone whose child has big meltdowns, school struggles, or social challenges→ Parents of children with sensory sensitivities→ First-time parents wanting to understand child development→ Teachers and educators working with children→ Anyone interested in early intervention and child developmentDrop your thoughts below! 👇 This is a judgment-free zone.👍 If this helped you, please LIKE, SHARE & SUBSCRIBE🔔 Turn on notifications for more honest parenting conversations---⚠️ DISCLAIMER:This content is for educational and informational purposes only and does not constitute medical or therapeutic advice. If you have concerns about your child's development, please consult a qualified healthcare professional or occupational therapist in your area.---This episode is sponsored by Finsol Insurance — protecting families and what matters most.🔗 Book your strategy call: ---#OccupationalTherapy #PediatricOT

In this powerful conversation, I sit down with Vaidehi, an Art of Living meditation teacher, to explore the transformative power of breathwork and meditation. From managing anxiety to helping children develop intuition, this ancient practice is now a modern-day necessity.🎯 What We Cover:✅ Why schools teach math but not mind management✅ The SKY Breath (Sudarshan Kriya) technique explained✅ Harvard & Yale research: 70% depression remission in 1 month✅ How meditation helps PTSD, anxiety, and panic attacks✅ Children's 8-second attention span crisis (and the solution)✅ Practical breathing techniques you can try TODAY✅ Real stories: "I haven't felt this calm since childhood"✅ Melbourne's first Happiness Center tour✅ Morning routine that changed everything (20 minutes)💡 SCIENCE-BACKED BENEFITS:📊 Depression: 68-70% improvement in 1 month📊 Anxiety: 70% response rate with SKY breath practice📊 PTSD: Symptom reduction in 6-8 weeks📊 Sleep: Significant improvement, lower cortisol levels📊 Productivity: Increased efficiency and focus📊 Children: Improved attention, emotional regulation, intuition⏰ TIMESTAMPS:00:00 - Introduction: What is Art of Living?02:17 - Why we're not taught mind management in school04:45 - Real story: Engineer discovers peace after decades07:09 - Can breathing really change your life? (skeptic's question)10:00 - Fist exercise: What stress feels like12:30 - Can this replace therapy? Harvard research reveals...14:15 - What is SKY Breath (Sudarshan Kriya)?16:04 - Melbourne's Happiness Center explained18:13 - Meditation for children: Why it matters NOW22:00 - 8-second attention span crisis (we're worse than goldfish!)24:16 - 60-second straw breathing technique (TRY THIS!)27:14 - What's happening to our nervous system?33:00 - "I don't have time" - addressing the biggest excuse36:17 - 5-minute morning routine breakdown38:51 - Bhastrika Pranayama demonstration40:51 - What is true success? Beautiful answer📚 RESOURCES MENTIONED:- Art of Living Happiness Program (3-day course)- SKY Breath Meditation technique- Sudarshan Kriya (trademarked breathing)- Kids' Intuition Program- Free introductory sessions🌐 Website: www.artofliving.org/au🎙️ ABOUT THE GUEST:Vaidehi - Art of Living Meditation Teacher- Passionate about making meditation accessible- Teaches at Melbourne's Happiness Center- Mother of teenager (practices what she preaches)- Advocates for meditation in school curriculum- Part of global movement: 180 countries, 800M+ livespeople to check out. https://www.artofliving.org/au-en/Happiness center - https://www.happinesscentre.com.au/The only question is: How urgent is it for you?- Have you tried meditation or breathwork before?- What's your biggest challenge with managing stress?- Would you introduce this to your children?- What scepticism do you have about meditation?Drop your thoughts in the comments! 👇---👍 If this resonated with you, please LIKE, SHARE & SUBSCRIBE!🔔 Turn on notifications for more holistic life planning content---⚠️ DISCLAIMER:This content is for educational and informational purposes only. While research supports the benefits of meditation and breathwork, this is not a substitute for professional medical advice, diagnosis, or treatment. Always consult qualified healthcare providers for mental health concerns.

In this deeply personal episode of LevelUp Podcast with Priyanka Shah, Priyanka sits down with Hardik Shah—entrepreneur, property strategist, and her life partner—for an honest conversation about money, marriage, risk, and building wealth together.This isn’t theory.This is lived experience.From starting with just $10,000 in savings to building a multi-property portfolio and transitioning into business, this episode breaks down the real journey behind financial growth.But here’s what makes this episode different…It’s not just about property.It’s about mindset, risk-taking, relationships, and long-term vision.💡 What You’ll Learn in This Episode✔️ Why your first home is not your last home✔️ The biggest mistake most first-time buyers make✔️ How equity + income can unlock exponential growth✔️ Why business income can accelerate wealth faster than a salary✔️ The truth about property vs other investments✔️ How to think long-term (even if you’re just starting out)✔️ Why having the right people around you changes everything🔥 Key InsightMost people think buying a house is the end goal.But in reality…👉 It’s just your entry ticket into the game.As shared in this episode, many people stop after their first property—without a clear plan, vision, or strategy for what comes next.And that’s where they miss out.🚀 A Bigger PerspectiveThis episode also explores something deeper:The power of self-employment and cash flowWhy income is the real engine behind wealthHow small decisions today can shape your next 10–20 yearsAnd why your life partner and environment play a massive role in your successBecause wealth isn’t built in isolation.It’s built through decisions, consistency, and the people you choose around you.🎯 If You’re Someone Who:Is planning to buy your first homeWants to build long-term wealth through propertyIs thinking about starting a businessFeels stuck in a “salary cycle”Or wants clarity on your financial future👉 This episode will shift how you think.🎧 About the PodcastLevelUp Podcast with Priyanka Shah is where real stories meet practical insights—helping you inspire, empower, and elevate your life through better decisions.👉 Watch till the end—you might rethink your entire financial journey.

Most Australians are losing thousands in superannuation every single year — and they don't even know it.A "balanced" fund that's actually 90% high-risk. Insurance inside your super costs 4x what you could pay outside. Lost funds are sitting forgotten across multiple accounts. These aren't edge cases — they're happening to everyday Australians right now.In this episode of Level Up with Priyanka Shah, financial adviser Jordan breaks down everything you actually need to know about your super — at every stage of life — and why the best time to act is always right now.─────────────────────────────🎙️ IN THIS EPISODE, WE COVER:─────────────────────────────✅ The worst age to start looking at your super (hint: most people get this wrong)✅ What "balanced" actually means — and why your fund may be lying to you✅ How to check your risk profile and align it with your investments✅ Return benchmarks you should be measuring your fund against✅ The top 3 industry super funds — and how to compare them✅ Why fees matter more than returns (and what a good fee looks like)✅ The hidden danger of consolidating super funds — losing insurance you can never get back✅ How one client was paying 4x more for insurance inside their super✅ Self-managed super funds — who they're for and who should stay away✅ The one action to take today if you've never actively managed your super✅ Why a $50 extra contribution in your 20s can outperform a lifetime of high earnings─────────────────────────────💬 POWERFUL MOMENT FROM THIS EPISODE:─────────────────────────────"The people I've seen at 60-65 with the biggest balances haven't always been the biggest earners. They just started in their 20s, putting in an extra $30, $40, $50 a paycheck — and they just did that forever."— Jordan─────────────────────────────👤 ABOUT OUR GUEST — JORDAN─────────────────────────────Jordan is a financial adviser with deep expertise in superannuation strategy, insurance planning, and long-term wealth building. He helps Australians at every stage of life take control of their super and make smarter decisions with their money.─────────────────────────────⏱️ TIMESTAMPS:──────────────────────────────────────────────────────────🔔 IF THIS OPENED YOUR EYES:─────────────────────────────Share this with someone in their 20s, 30s or 40s who keeps putting their super in the "deal with it later" pile. This conversation could literally be worth hundreds of thousands of dollars to them one day.👍 Like | 💬 Comment your super question below | 🔔 Subscribe to Level Up with Priyanka Shah─────────────────────────────📌 DISCLAIMER:─────────────────────────────This podcast is for educational and informational purposes only and does not constitute financial advice. Please consult a licensed financial adviser before making any changes to your superannuation or investments.

The Cybersecurity Mistakes Killing Small Businesses

What happens to your family if you die overseas without a will?A young couple flew to India to celebrate their son's first birthday. The husband passed away suddenly — a blood clot in the heart. He had no will. His wife was left devastated, not knowing what he owned, how his business was structured, or even how to bring his body home to Melbourne.This is a real story. And it could happen to anyone.With the holiday season approaching and so many of us planning trips abroad, this episode of Level Up with Priyanka Shah is one you cannot afford to miss.Priyanka sits down with experienced solicitor Patricia Galea to break down everything you need to have in place before you travel — and the very real consequences of not doing it.─────────────────────────────🎙️ IN THIS EPISODE, WE COVER:─────────────────────────────✅ What happens when you die overseas without a will✅ How intestacy laws (dying without a will) decide who gets your assets — and it may not be who you think✅ What happens to your mortgage and debts when you pass away✅ How your children are protected (or not) without a guardian appointed✅ The difference between a Will, Enduring Power of Attorney & Medical Treatment Decision Maker✅ Why your spouse CANNOT automatically make decisions for you✅ The risks of online or DIY will kits✅ What to do if you have assets in multiple countries✅ Where to safely store your documents─────────────────────────────💬 REAL CASE SHARED IN THIS EPISODE:─────────────────────────────A wife left behind with a one-year-old, no will, no idea what her husband's estate looked like, and no guidance on how to bring him home. This is what no documentation looks like in real life — financial chaos on top of unbearable grief.─────────────────────────────👤 ABOUT OUR GUEST — PATRICIA GALEA─────────────────────────────Patricia Galea is an experienced solicitor specialising in estate planning, wills, powers of attorney, and probate. She has helped countless families navigate one of life's most difficult and overlooked areas of planning.─────────────────────────────📌 KEY TAKEAWAY:─────────────────────────────"You have no idea what sort of mental peace and clarity you bring to your family when those documents are in place. It's a peace of mind you simply cannot put a price on." — Patricia Galea─────────────────────────────⏱️ TIMESTAMPS:─────────────────────────────00:00 — Introduction & real story00:00 — What is an estate?00:00 — Dying overseas without a will — what the law says00:00 — How intestacy laws distribute your assets00:00 — What happens to your mortgage & debts00:00 — Protecting your children — appointing a guardian00:00 — Will vs Power of Attorney vs Medical Decision Maker00:00 — Can your spouse automatically make decisions for you?00:00 — Risks of DIY will kits00:00 — Assets in multiple countries00:00 — What to do before you travel00:00 — Final thoughts & key action steps─────────────────────────────🔔 SUBSCRIBE & STAY PROTECTED:─────────────────────────────If this episode opened your eyes, share it with someone you love. It could be the most important conversation they never knew they needed.👍 Like | 💬 Comment | 🔔 Subscribe to Level Up with Priyanka Shah#EstatePlanning #Wills #LevelUpWithPriyankShah