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This one's going to sting. But you need to hear it 🔥

You say you want to buy a house. You say you're "saving." But then you're spending $7 on coffee every morning, ordering UberEats three nights a week, and subscribing to six streaming services you don't even watch. Sound familiar? That's not saving. That's pretending to save while your deposit sits at the same number it was six months ago 😬

In this episode, Corey and Ben lay it all out — the real cost of your daily habits, why fuel alone is eating your deposit, and the uncomfortable truth about what it actually takes to save for a home in today's market. No sugarcoating, no "you're doing great sweetie" — just the reality check most people need but nobody wants to give them 💰

Here's what we get into:

⛽ Fuel price predictions — will it ever drop below $2 again? (Spoiler: no.)

💸 The discretionary spending that's silently killing your deposit

☕ How small daily costs add up to tens of thousands per year

💰 Strategies for actually saving — side hustles, cutting costs, and being honest with yourself 👫 Why you need to have the money conversation with your partner NOW

📊 How your expenses directly impact your borrowing capacity

🧠 Financial discipline vs financial excuses — which side are you on?

🏠 James and Hermione's real home buying journey — the wins and the wake-up calls

📉 Interest rates and what they mean for your buying timeline

Corey and Ben don't hold back on this one. They talk about parental support, the reality of saving without a head start, and why accountability is the missing piece for most people who "can't afford" a house. The truth is — most people CAN afford it. They just can't afford their lifestyle AND a house at the same time 👊

Whether you're saving for your first deposit, wondering why you're not getting ahead, or you know someone who needs this wake-up call — send them this episode. Seriously.

💬 What's the one expense you KNOW you should cut but won't? Be honest in the comments 👇

Chapters

00:00 Introduction and Predictions on Fuel Prices

03:07 Navigating Home Buying: Parental Support and Saving Strategies

05:53 The Reality of Saving for Property

08:55 Understanding Borrowing Capacity and Financial Discipline

12:02 Discretionary Spending: The Hidden Costs of Lifestyle Choices

14:59 The Importance of Accountability in Financial Decisions

17:57 Scenario Analysis: James and Hermione's Home Buying Journey

20:48 The Impact of Interest Rates on Home Buying

24:10 Final Thoughts and Call to Action

#PropertyInvesting #AustralianRealEstate #WealthBuilding #australia #property #SavingForAHome #FinancialDiscipline #BorrowingCapacity #FuelPrices #FirstHomeBuyer #PersonalFinance #moneyhabits

This video is provided by Source Finance Pty Ltd (ACL 539456) & TGM Accounting Pty Ltd. This is general information only and not personal advice. Please seek credit advice from us directly and independent tax, legal or financial advice where appropriate. Corey Goldby is an Authorised Credit Representative (CRN 502276)) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456 Ben Perren is an Authorised Credit Representative (CRN 553223) of Source Finance Pty Ltd ACN 657 912 868 (“Source Financial”) Australian Credit Licence 539456