Most first home buyers think they need years of savings and a perfect financial situation before they can even think about buying.

Arkadiusz started out knocking on doors selling Foxtel. Accidentally ended up in insurance. Then accidentally ended up in financial advice. And along the way, he made pretty much every money mistake you can make before figuring out what actually works.

Now he runs Strategic Investor Group, a licensed financial advice and mortgage business, and he spends his days telling young Australians the thing no one told him when he was coming up.

That the information you've been given about buying your first home is probably wrong.

In this episode we get into the real minimum deposit you need, the tax strategy most people have never heard of, and why the noise online is the single biggest thing standing between you and actually getting into the market.

No fluff. No agenda. Just someone who's been on both sides of the counter telling you what the system actually looks like from the inside.

00:00:00 - Property Affordability

00:00:48 - Opportunities in Real Estate

00:02:28 - Advice for Young Property Buyers

00:07:52 - Steps to Saving and Buying Property

00:08:20 - Rentvesting on Steroids

00:15:07 - Financial Struggles and Steps to Overcome Them

00:16:54 - The Reality of Starting a Business

00:17:10 - The Advantage of Owning a Property Before Starting a Business

00:19:12 - Importance of Shelter and Property Ownership

00:21:21 - Property Prices in Sydney

00:28:47 - The Biggest Misconception in Property

00:31:10 - Client Stories and Ideal Client Profile

In this episode, we sit down with Belinda the valuer and Jack Harris from Fox Auctions to discuss what's actually happening at the auction block, how valuers are adjusting their numbers in real time, and what the May 12 budget really means for buyers and investors.

We get into why vendor reserves are being slashed by $200,000 on the day, how the herd mentality is keeping buyers frozen on the sideline, and why the people waiting for the bottom will almost certainly miss it.

The big question at the end: if you're a first-home buyer sitting on the fence right now do you wait, or do you go?

https://www.foxauctions.com.au/https://addvaluer.com/

🏠 This podcast is brought to you by Coposit, where $10k means you can buy a brand-new home. To learn more about how it works and browse properties, visit: www.coposit.com.au00:00:00 - Shift in Auction Clearance Rates

00:00:15 - Buyer Activity and Market Confidence

00:00:26 - Advice for First-Time Buyers

00:01:14 - Buyer's Market Perspective

00:01:33 - Impact of Global Events on Market

00:02:12 - Auction Duration

00:04:05 - Market Trends and Vendor Expectations

00:05:28 - Shift from Auctions to Private Treaties

00:05:59 - Importance of Auction Deadlines

00:06:32 - Market Confidence and Stock Availability

00:07:34 - Opportunities for Buyers

00:07:52 - Market Dynamics

00:08:10 - Valuation Perspective

00:10:07 - Valuation Challenges

00:13:15 - Market Predictions

00:16:07 - Impact of Budget Changes on Market

00:19:06 - Market Predictions and Uncertainty

00:25:48 - Potential Market Strategies for Investors

00:30:24 - Auction Dynamics in Different Regions

00:31:42 - Changes in Real Estate Regulations and Compliance

00:37:43 - Role of Independent Valuers in Property Pricing

00:40:40 - Advice for First-Time Buyers in Current Market

The 2026 Federal Budget promised to fix Australia's housing crisis but for renters, the math still doesn't add up. Chris and Carbs break down what the negative gearing and CGT changes actually mean, why rents will keep rising, and why the cycle keeping renters locked out may be impossible to break.

🏠 This podcast is brought to you by Coposit, where $10k means you can buy a brand-new home. To learn more about how it works and browse properties, visit: www.coposit.com.au00:00:13 - Property Ownership and Wealth

00:00:48 - Effects of Budget on Property Market

00:02:14 - Negative Gearing and Borrowing Capacity

00:02:29 - New Supply and Borrowing Capacity

00:03:40 - Investor Demand for Newer Properties

00:04:28 - Shift in Property View

00:06:11 - Impact on First Home Buyers

00:11:37 - Impact on Developers

00:13:29 - Rent Increase and Immigration Policies

00:14:32 - Government Policies and Investment Strategy

00:15:09 - Investment in New Housing Supply

Filmmaker Zoe Pepper's debut feature Birthright (a dark comedy about a millennial couple forced to move back in with her parents because they can't afford a home) just premiered at the Tribeca Film Festival. In this episode, Zoe joins us to unpack the real story behind the film: why an entire generation did everything right and still can't get ahead, why their parents genuinely can't see it, and what that gap is costing Australia.

Birthright and Coposit are giving away $10K to one lucky person who purchases a ticket to see the film in theaters!

🏠 This podcast is brought to you by Coposit, where $10k means you can buy a brand-new home. To learn more about how it works and browse properties, visit: www.coposit.com.au

00:00:00 - Introduction

00:03:51 - Generational Misunderstanding and Conflict

00:06:41 - Masculinity in the Film

00:09:48 - Housing Crisis and Its Impact

00:11:08 - Bank of Mum and Dad

00:12:10 - Wealth Disparity and Inequality

00:13:10 - Possible Solutions

00:15:14 - The Impact of Property Investment

00:15:55 - Personal Experience with Property Investment

00:18:38 - Film's Reception

00:19:08 - Housing Situation in Other Countries

00:19:37 - Predictions for the Future of Housing

00:20:16 - The Importance of Open Communication

00:21:44 - Film Release Information

Tim Wilson, Shadow Treasurer Liberal MP for Goldstein, former Human Rights Commissioner, and one of the opposition's sharpest economic voices, sits down with Carbs to talk on whether Australia’s latest Budget actually helps young people buy homes, or makes it harder for them to save, invest and get ahead. - https://www.notthetax.com.au/- https://www.standwithsmall.org/🏠 This podcast is brought to you by Coposit, where $10k means you can buy a brand-new home. To learn more about how it works and browse properties, visit: www.coposit.com.au00:00:00 - Overview of the Federal Budget00:00:37 - Tim's 30 Second Take on the Budget00:00:58 - Impact of the Budget on Property00:01:46 - Small Businesses00:02:19 - Impact of the Budget on Investment00:03:52 - Positive Aspects of the Proposed Budget00:15:13 - Tax Changes on Young Entrepreneurs00:16:03 - Government's Plan and Opposition's Counterplan00:17:16 - Introduction of the New Small Business Act00:18:10 - Changing Infrastructure of Businesses00:18:44 - Invitation for Public Feedback and Participation00:19:17 - Explanation of Tax Bracket Indexing00:22:08 - Podcast Disclaimer

Does the Federal Budget really help young Australians buy property, or simply change the rules of wealth-building for the next generation.🏠 This podcast is brought to you by Coposit, where $10k means you can buy a brand-new home. To learn more about how it works and browse properties, visit: www.coposit.com.au00:00:00 - Taxation and First Home Buyers00:00:23 - Winners and Losers00:02:14 - Capital Gains Tax00:02:32 - National Debt00:05:02 - Taxation and Spending00:05:33 - Capital Gains Tax Changes00:06:54 - Investment Strategies00:10:55 - Negative Gearing00:15:03 - Rent Increase Predictions00:16:27 - Impact of Airbnb00:19:42 - Impact on Small Businesses00:28:08 - Investment in Company00:31:43 - Discussion on Renovating a Business00:33:25 - Government Trust and Policy Changes00:35:45 - Superannuation Taxing00:36:42 - Possible Future Changes

A raw debate on whether people in their 20s should keep sacrificing for home ownership or forget the dream and live for now, unpacking the fear, frustration and choices behind a generation stuck between instant gratification and building a future.🏠 This podcast is brought to you by Coposit, where $10k means you can buy a brand-new home. To learn more about how it works and browse properties, visit: www.coposit.com.au

When injury ended Matt Srama’s NRL career at just 26, he was forced to rebuild from scratch. This episode explores how he turned uncertainty into opportunity, used property as his foundation, and built a new identity as one of the Gold Coast’s leading buyers agents.🏠 This podcast is brought to you by Coposit, where $10k means you can buy a brand-new home. To learn more about how it works and browse properties, visit: www.coposit.com.au00:00:00 - Transition to Property Business00:00:44 - Choosing Gold Coast for Business00:03:31 - Value of People in Business00:05:00 - From Athlete to Buyers Agent00:07:18 - Impact of Career End on Identity00:09:24 - Life after Sport00:09:45 - First Property Purchase00:10:24 - Influence of Locker Room Conversations00:12:24 - Starting Property Investment Journey00:14:10 - Advice for Young Athletes00:15:10 - Reflecting on Life's Pivots00:16:00 - Importance of Readiness for Opportunities00:16:15 - Transition to Property Business00:16:39 - Embracing Uncertainty and Making Choices00:23:08 - Launching Business Post-COVID00:25:48 - Reflections on Entrepreneurship and Intrapreneurship00:27:40 - Acquiring First Client00:30:26 - Understanding Entrepreneurship and Team Building00:32:18 - Role of AI in Business00:34:12 - Marketing Strategy and Team Expansion00:36:50 - Adapting to Business Growth00:36:58 - Investing in the Gold Coast00:39:44 - Understanding the Gold Coast Market00:42:58 - Making the Move to the Gold Coast

As inflation rises, interest rates stay higher for longer, and population growth masks real economic pain, this episode breaks down why the economy can look strong on paper while everyday Australians feel like they’re falling behind, and what it means for the future of property🏠 This podcast is brought to you by Coposit, where $10k means you can buy a brand-new home. To learn more about how it works and browse properties, visit: www.coposit.com.au

00:00:00 - Introduction

00:00:14 - Discussion on Inflation and Cost of Living

00:01:20 - Discussion on the Impact of War and Inflation

00:09:13 - Unemployment and Economy

00:12:57 - Immigration and GDP

00:15:15 - Future Interest Rates and Middle East Impact

00:21:09 - Discussion on Taxation and Inflation

00:23:43 - Discussion on Tax System Reform

00:25:39 - Capital Gains Tax (CGT) Reform

00:29:25 - Need for Tax System Change

00:30:59 - Political Parties and Public Sentiment

00:31:55 - Migration and Housing

00:34:17 - Child Care Costs and Work Decisions

00:36:02 - Political Priorities and Economic Health

00:38:00 - Property Market Predictions

00:41:58 - Interest Rates and Housing Market

Steve Harb sits down with Carbs to talk how CBD Core is challenging the norm, building higher quality homes through a relentless focus on integrity, detail and focusing on one project at a time.

Check out Argo: https://www.coposit.com.au/projects/nsw-argo-7cfdbf039ee6

🏠 This podcast is brought to you by Coposit, where $10k means you can buy a brand-new home. To learn more about how it works and browse properties, visit: www.coposit.com.au

00:00:00 - Steve Harb's Philosophy on Development

00:00:36 - Steve's Early Life and Career

00:04:52 - Steve's Transition into High-End Home Building

00:06:46 - Why Steve Chose Castle Hill for Development

00:10:20 - Steve's First Development in Castle Hill

00:13:03 - Steve's Philosophy on Competition and Setting Benchmarks

00:15:24 - Steve's Connection with the Community

00:22:32 - The Community Around Steve's Developments

00:22:51 - Details About Argo Development

00:27:06 - The iCIRT Rating and Its Importance

00:29:15 - Teaser for Steve's Next Project

00:31:41 - Launch of the New Project