In this episode of The Growth Concept, I sat down with Niro Thambipillay, the founder of Investment Rise, to have a real conversation about property investing — without the fluff.

Niro’s been in the property game for over two decades, and what I love about his approach is how data-driven and simple he keeps it.

We talked about the biggest traps beginners fall into, why owner-occupier demand matters more than hype, and the mindset shift people need if they want property to become a genuine wealth-building tool — not just an expensive gamble.

If you’re a first-time investor (or you’ve been thinking about getting started but feel overwhelmed), this episode will help you think clearer, move smarter, and avoid a lot of the common mistakes.

• Why most people were never taught how to make money work for them
• The biggest misconceptions beginners have about investing
• Why owner-occupier demand is a key filter (and what happens when it’s missing)
• How Niro thinks about growth vs cash flow
• The role of debt as a tool (when it’s used with a plan)
• A simple way to evaluate areas without overcomplicating it

• Don’t buy based on a “cheap entry point” alone — demand is everything.
• If an area is mostly investors buying, that’s a red flag worth paying attention to.
• The goal isn’t just owning property — it’s building financial certainty over time.
• Keep it simple: do people actually want to live there long-term?

• “You don’t learn about how to make money work for you.”
• “If you think you’re going to work hard, pay taxes, and save your way to wealth, you’re probably in for a rude shock.”
• “The biggest thing I was missing was owner-occupier demand.”
• “Keep it simple: Do people want to move to this area?”

00:00 Introduction to Property Investing
01:36 Meet Niro Thambipillay
05:09 From Employment to Property Investment
11:13 The Emotional Side of First-Time Investing
17:40 Owner-Occupier Demand (the game-changer)
21:08 Common Property Investing Misconceptions
25:34 Cash Flow vs Growth
30:59 Debt and Wealth Creation
36:08 Climate Risk & Property Value
40:16 Final Thoughts: It’s Not Too Late

Niro started investing in property in 2002 and has spent over a decade helping others invest in residential property through his company Investment Rise. He’s focused on building trust, using research-backed decision-making, and helping everyday people create long-term financial security through smart acquisitions.

• Website: https://www.investmentrise.com.au/about-us/
• Instagram: https://www.instagram.com/investwithniro/
• TikTok: https://www.tiktok.com/@investwithniro
• LinkedIn: https://www.linkedin.com/in/nirothambipillay/

In this episode of The Growth Concept, wellbeing coach Jules Sullivan shares a deeply honest conversation about navigating burnout, mental health challenges, ADHD, and major life events that reshaped her perspective on success, energy, and self-worth.

Jules reflects on how burnout forced her to reassess her career and values, how an ADHD diagnosis helped her better understand her energy levels, and why self-awareness is the foundation of sustainable wellbeing. She also opens up about the importance of rest, creating space for emotions, and letting go of external expectations.

This episode is a reminder that growth doesn’t always come from pushing harder — sometimes it comes from listening more closely to what you need.

This episode marks the final instalment of the Podcast on the Streets of Perth series filmed at Kings Park. Recorded outdoors in a space known for reflection and calm, this conversation brings the series to a grounded and intentional close. Natural background sounds are part of the experience, capturing the atmosphere of the moment and the authenticity of the conversation.

In this episode of The Growth Concept, Coach Nas shares his journey as both a personal trainer and a musician, exploring how transformation starts from within. With over 14 years of experience in personal training, Nas reflects on how physical training became a gateway to deeper self-belief, discipline, and purpose.

He opens up about navigating mental health challenges, how music became an outlet during difficult seasons, and why self-acceptance is the foundation for lasting change. This conversation moves beyond aesthetics and performance, focusing instead on the inner work required for real growth.

At its core, this episode is about self-discovery, responsibility, and learning to believe in yourself — even when the path forward isn’t clear yet.

This episode continues the Podcast on the Streets of Perth series, where we step outside the studio to capture conversations in their most natural form. You’ll hear the world moving around us — intentionally kept to preserve the rawness and presence of the moment.