Money Minded

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In this episode, Tex sits down with Craig Bigelow, lending advisor at Alcove and the Cash Flow Co.'s resident mortgage expert. Together they unpack everything you need to know about navigating property in the current climate.

With negative gearing changes making their way through parliament, rate uncertainty still very real, and borrowing capacities shifting, Craig breaks down what's actually happening on the ground and what it means for you.

What we cover:

• 🏠 Home buyers — Why the fundamentals haven't changed, what "survival is success" really means right now, and how to build the right buffers before you buy
• 📉 Borrowing capacity — How each 0.25% rate move impacts what you can borrow, and why your pre-approval might not be as safe as you think
• 💸 Investors — Who the new rules hurt, who they actually help, and how the $650K–$750K price point is about to get very crowded
• 🔄 Debt recycling vs. property — Why more people are looking at shares as an alternative, and how debt recycling stacks up in a post-negative-gearing world
• 🔒 Fixed vs. variable — The sharpest 1 and 2-year fixed rates right now (6.34%), what the banks' pricing tells us about where rates are headed, and why keeping some variable isn't just smart — it's essential

Chapters:

• 00:00 Intro & the Cashback Challenge
• 07:30 Welcome — what Craig is seeing on the ground
• 10:30 Home buyers: the fundamentals that haven't changed
• 18:00 Borrowing capacity & the pre-approval trap
• 22:00 The emotional vs. investment property trap
• 30:00 "Survival is success" — managing through a tough season
• 38:00 Investors: who wins, who loses, and the crowded price point
• 48:00 Debt recycling vs. property investing
• 56:00 Fixed vs. variable — the certainty trade-off
• 01:05:00 Craig's calculator tool & where to find him

Episode links

> The Cashback Challenge
Work with Tex to build a personalised plan for wiping 100k in interest off your home loan in the next 30 days. Grab your guest pass here. 

> Fixed vs Variable rates calculator 
Model different scenarios to consider what's best for you. Click here

> Book a free chat with Craig
Review your situation and best options. Click here 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

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The 2026 Australian budget just changed the rules on CGT, negative gearing, trusts, and more. But is it as bad as the headlines say — and what do smart investors actually do now?

Terry sits down with Jayden Post from Cruz Financial and Adi Chanda from Alaya Property to cut through the noise and give you a practical, no-BS breakdown of what's changed, what it means, and how to position yourself going forward.

What you'll learn:

• 📌 The CGT shift that's been 26 years in the making — what the 50% discount being replaced by cost-base indexation actually means for your tax bill when you sell (and why it may not be as brutal as you think)
• 📌 Negative gearing isn't dead — it's just been quarantined — the crucial difference between losing your deductions and deferring them, explained in plain English
• 📌 Why new builds aren't the no-brainer tax play spruikers will tell you they are — Adi runs the actual numbers and the answer will surprise you (spoiler: established property only needs to outperform by 0.3% per year)
• 📌 The trust change that hits 1% of people but generates $4 billion — why it's the most defensible part of the whole budget, and what your alternatives are
• 📌 The real reason young investors are getting smashed — it's not just the rule changes, it's the cash flow crunch, and it was already there
• 📌 What a borrowing capacity drop from $1M to $700K does to property prices — the flow-on effect nobody's talking about loudly enough
• 📌 Why trying to "wait it out" might be the riskiest move of all — and the question Adi's team asks every client that reframes the whole decision
• 📌 Super didn't get touched — and it's still the best tax environment in Australia — how to use this while everyone else is panicking about everything else
• 📌 The structural housing problem no budget can fix — approvals, construction insolvencies, 500K migrants a year, and a rental vacancy rate under 1.5%
• 📌 The one thing every investor in the accumulation phase should be focused on right now — and it has nothing to do with which asset class you pick

The bottom line: It's never as bad as you think. It's never as good as you think. But you do need a plan — and this episode gives you one.

Resources mentioned
Adi's 2027 Tax reform Calculator

Guests:
Adi Chanda, director of Alaya Property
Jayden Post, director of Cruz financial planning 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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After six months of silence, Terry is back. and he's not just picking up where he left off. In this episode,  He pulls back the curtain on everything that's been happening behind the scenes at Cashflow Co: a surprise buyout offer from one of the country's biggest financial services firms, a pivotal conversation with his business partner Ryan about their future, and a complete rebuild of the Money Minded model from the ground up.

He shares the honest feedback that made him rethink his entire positioning, the new program he's built for homeowners in the messy middle of life, and what listeners can expect going forward: new shows, new experts, more video, and a much sharper focus.

If you've been wondering what's been happening, and where to from here, this episode is for you. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

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Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
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12 months ago, Doug and Kayla had two investment properties, one income, and zero financial slack. They were making bold moves—but flying blind. And the pressure was building. 

On paper, things looked good. In reality, they were drowning. 

Fast-forward 12 months:
• Household income up by 80k+
• Savings rate 10x
• Borrowing power increased by $600,000
• And two more properties on the horizon

In this episode, you’ll hear exactly how they made it happen—without burnout or sacrificing their values. Doug shares the real story: the career moves, mindset shifts, and strategic decisions that helped him go from underpaid to in-demand, with job offers rolling in and a promotion he earned (and helped create).

Listen in to learn:

• How to diagnose the real constraint holding you back
• The surprising link between business acumen and pay rises
• Why playing financial offense changes everything—fast

If you feel stuck despite your best efforts, this story will show you what’s possible when you get clear, deliberate, and start playing the right game.

WIN a 12 MONTH MENTORSHIP WITH TERRY
👉 Apply here to 'Earn Your Worth in 2026'

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
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If you want to earn a bigger income and find more meaning in your work, you need to become a better you. 

Building a development plan is how you put the principles of the Earn Your Worth Framework into practice. And it's how you get the laws of income on your side. 

Without a clear plan for your own development, you're just working for money and waiting for a pay rise. This is why most people are disengaged with their work, there's no sense of purpose, and no reliable way to measure progress. 

So in this episode, Terry breaks down his four part protocol for building a personalised development plan. This is how you can tap into Tony Robbins level motivation and give yourself a pay rise

In the first part, you'll see how to cultivate a clear sense of direction, even if you're not sure what you really want to do as a career. 

Then, you'll sidestep the number one mistake that slows your progress the most. 

In the third part, you'll learn how to benefit from others experience in a way that compresses the hardest part of learning something new. 

And finally you'll discover the 'learning ladder' method for accelerated skill development that will make you unrecognisable to your peers. 

By following this four part formula, you will achieve a level of mastery that makes you magnetic to money. 

WIN a 12 MONTH MENTORSHIP WITH TERRY
👉 Apply here to 'Earn Your Worth in 2026'

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
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The 4 Invisible Forces That Decouple Time From Money

If you want to stop trading your time for money, and deliberately increase your earning power, you need to become a master of leverage.  

The more you can earn, the easier it is to save. And the easier it is to save, the faster you can achieve your financial goals. But most people go about this all wrong. We're conditioned to believe that income is a function of intelligence. And many smart people stay broke because of this belief.

The truth is, income is only loosely correlated to intelligence. 

Instead, income is about leverage. 

The greater your leverage, the greater your income. 

Leverage is the force multiplier that makes your time and talent more productive. But this can be a tricky concept to really grok, So in this episode, Terry breaks down the concept of leverage to first principles.

By walking through several powerful examples, he shows exactly what leverage is and how it works to decouple time from money. The four different forms of leverage, and exactly how you can become a master of leverage to predictably increase your income without getting lucky. 

🎿 Discover your leverage type here 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
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If turning your purpose into a pay check is the ultimate cheat code, then what is the unlock? How is this actually done? In this episode Terry breaks down a 7 step science backed method for making it happen. 

In this episode, you’ll discover:

• The “Superpower Audit”: How to identify your rarest, most valuable skills—and why this is the secret to becoming irreplaceable in any industry.
• The Mindset Shift That Multiplies Results: Adopt the “scientist mentality” to fearlessly experiment, learn faster, and turn setbacks into breakthroughs.
• The 7-Step Scientific Method for Income: A step-by-step process to test, validate, and monetize your ideas—so you never have to settle for work that just pays the bills.
• The Value Equation Decoded: Learn how to create irresistible offers by maximizing dream outcomes and minimizing effort for your clients.
• Real-World Case Studies: See how these principles helped the host climb the ladder in elite sport, pivot to management consulting, and build a thriving business from scratch.
• Market Research Shortcuts: Discover how to instantly assess demand, competition, and profitability—before you invest your time or money.
• The Power of Differentiation: Why your unique journey and perspective are your greatest assets—and how to leverage them for maximum impact.
• Actionable Attraction Offers: Simple ways to attract your first customers and build a body of work that speaks for itself.

Whether you’re looking to climb the corporate ladder, switch industries, or build your own, this episode gives you the tools, mindset, and real-world strategies to turn your ideas into income—on your terms.

Ready to earn your worth? Hit play and start your transformation today

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
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What if the key to making great money wasn't grinding harder, but discovering what feels like play to you but looks like work to everyone else?

In this game-changing episode of the Earn Your Worth series, Terry dives deep into the most crucial question of your career: How do you find work that doesn't feel like work?

🎯 You'll discover:
• The "Einstein fish test" - why you might be climbing the wrong tree (and how to find your water)
• Two ingredients that transform any job from drudgery to flow state
• The counterintuitive wisdom from the man who made more billionaires than anyone else (hint: it's NOT about the money)
• A little-known computer science algorithm that helps you find your perfect career fit faster
• Why loving your work but not getting paid kills your soul - and what to do about it
• The real reason career conversations feel so scary (and how to push through)

💡 Featuring insights from:

• Charlie Munger on finding your circle of competence
• Paul Graham's framework for doing great work
• Clayton Christensen's research on why Harvard grads end up miserable
• The "Slumdog Millionaire" approach to building unstoppable expertise

Warning: This episode will make you think. Hard. Terry doesn't just give you feel-good platitudes - he gives you the mental models and frameworks to actually figure out where you belong.

Whether you're stuck in a job that's sucking your soul, or you like your work but don't love it, this episode will help you find your thing - the work that only you can do.

Ready to stop being a fish trying to climb trees?

Access the free companion guide with all the tools, diagnostics, and reflection questions and resources mentioned in this episode.

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111

 

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Most people are trapped in one of two career prisons - and they don't even know it.

In this episode of the Earn Your Worth series, Terry Condon reveals the "Hotel California Problem" that keeps smart, capable people stuck in work that either pays well but drains their soul, or feeds their identity but leaves them financially insecure.

You'll discover:

• The two toxic career mentalities that trap 90% of professionals (and why smart people fall for them)
• Why chasing money OR passion without purpose always leads to career prison
• The simple mindset shift that lets you have meaning, mastery AND money
• Terry's 3-quest superhero framework: Know Yourself, Serve Others, Amplify Impact

The brutal truth: We spend months researching where to invest our money, but only minutes thinking about where we invest our time and talent to EARN that money.

If you're tired of feeling trapped by golden handcuffs or struggling in a "cool" job that doesn't pay the bills, this episode shows you the way out - and how to create a career that energizes you while accelerating your financial progress.

Complete the Earn Your Worth Survey here. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111

 

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Why do some people earn more without working harder? In this kickoff to the Earn Your Worth series, Terry unpacks the hidden economic law that quietly controls your income — and why fighting it keeps you stuck.

You’ll hear real stories of everyday people who stopped paddling upstream — and started letting this law do the heavy lifting. 

Inside:

• The surprising factor that decides how much you really get paid
• How one tiny shift tripled someone’s hourly rate overnight
• The unconventional move that makes you impossible to ignore

If you’ve ever felt like your income doesn’t match your effort, this is your sign to flip the script — and ride the wave instead.

🎧 Plus: Don’t miss the free Industry Report & AI Action Coach in the show notes 👇

Complete the Earn Your Worth Survey and access the industry report + resource guide for this series. 

The NEW Money Mentorship
Learn more about the Home Equity Accelerator here

Turn insights into action with Terry's episode coach 

Join our podcast community
Get live updates, talk shop with us and meet like minded legends in our digital treehouse. Click here to get access now.
🔗 https://www.facebook.com/groups/4609737389252111