How Much Do You Really Need to Retire on $100,000 a Year? | Ep. 56

How Much Do You Really Need to Retire on $100,000 a Year? | Ep. 56

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult [https://subscribepage.io/BookAConsult]  ----- In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down once again with the Ryker Capital team — Jack Oineza, Ricky Regmi, and Dean Desoukey — to tackle the question everyone asks but few can answer clearly: what does it really take to retire on $100,000 a year? They unpack the 4% rule in plain English (why $2.5 million can fund a $100k income), the “bucket” approach to balance debt, investing, and lifestyle, and the power of small, regular super contributions through compounding and dollar-cost averaging. You’ll hear how geo-arbitrage can stretch your money by spending part of the year in lower-cost countries, why Centrelink can be a force multiplier in retirement, and how to set different risk settings as you move through your golden, silver, and legacy years. Whether you are 21 and starting with $50 a week or in your 50s making up ground, the team shows you how to reverse-engineer a six-figure retirement, avoid common traps, and build a portfolio that can weather market dips without panic selling. If you want a practical, human guide to turning the $100k dream into a plan, this episode is for you. ----- SHOW NOTES LINKS https://www.linkedin.com/in/dean-desoukey/ [https://www.linkedin.com/in/dean-desoukey/] https://www.linkedin.com/in/jackoineza/ [https://www.linkedin.com/in/jackoineza/] https://www.linkedin.com/in/malissa-vourakis-79066a67/ [https://www.linkedin.com/in/malissa-vourakis-79066a67/] https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ [https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/] ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4 [https://spoti.fi/3qJL8w4]  Apple Podcast: https://apple.co/3QPF3ch [https://apple.co/3QPF3ch]  Amazon Music: https://amzn.to/3YMZjgD [https://amzn.to/3YMZjgD]    ----- FIND US HERE Facebook: https://bit.ly/3RsO5Mr [https://bit.ly/3RsO5Mr]  LinkedIn: https://bit.ly/3Rs0Qah [https://bit.ly/3Rs0Qah]  Instagram: https://bit.ly/46kZvGp [https://bit.ly/46kZvGp]  TikTok: https://bit.ly/3PSbK7U [https://bit.ly/3PSbK7U]  YouTube: https://bit.ly/3rsKxPG [https://bit.ly/3rsKxPG]    ----- CONTACT US hello@rykercapital.com.au    Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537   ----- TIME STAMPS: 00:00 Intro / Hook 01:36 How much do you need to retire on $100,000 a year 02:46 Structuring a $100,000 retirement 05:54 What does $100,000 a year in retirement look like 08:20 How to achieve $100,000 a year in retirement 11:59 Paying extra into super 18:50 Advice for a 21-year-old earning $85,000 a year who wants to retire on $100,000 20:59 What it looks like when a 21-year-old adds $100 a week into super 29:27 The impact of contributing $150 a week into super 30:37 How to achieve $100,000 a year in retirement if you start later in life 36:47 Investment strategies and market volatility 42:43 The role of financial advisors 49:19 Final thoughts/Outro ----- DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Do This To Legally Pay LESS TAXES in Australia | Ep. 55

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult [https://subscribepage.io/BookAConsult]  ----- In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down with the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey, to answer a question that every Australian has asked at some point: how do you legally pay less tax? They break down how the progressive tax system really works, why the top marginal rate can sting at 45%, and how using structures like companies and trusts can legally bring that bill down to as low as 25%. You’ll learn the difference between smart tax planning and anti-avoidance (and why the ATO takes one very seriously), how superannuation delivers powerful tax advantages at just 15% in accumulation and 0% in pension phase, and the traps that catch people out with deductions, home offices, and novated leases. If you want to understand the strategies behind paying the right amount of tax, protect yourself from costly mistakes, and keep more of your money working for your future, this is an episode you can’t afford to miss. -----   SHOW NOTES LINKS   https://www.linkedin.com/in/dean-desoukey/ [https://www.linkedin.com/in/dean-desoukey/] https://www.linkedin.com/in/jackoineza/ [https://www.linkedin.com/in/jackoineza/] https://www.linkedin.com/in/malissa-vourakis-79066a67/ [https://www.linkedin.com/in/malissa-vourakis-79066a67/] https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ [https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/] -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/3qJL8w4 [https://spoti.fi/3qJL8w4]  Apple Podcast: https://apple.co/3QPF3ch [https://apple.co/3QPF3ch]  Amazon Music: https://amzn.to/3YMZjgD [https://amzn.to/3YMZjgD]    -----   FIND US HERE   Facebook: https://bit.ly/3RsO5Mr [https://bit.ly/3RsO5Mr]  LinkedIn: https://bit.ly/3Rs0Qah [https://bit.ly/3Rs0Qah]  Instagram: https://bit.ly/46kZvGp [https://bit.ly/46kZvGp]  TikTok: https://bit.ly/3PSbK7U [https://bit.ly/3PSbK7U]  YouTube: https://bit.ly/3rsKxPG [https://bit.ly/3rsKxPG]    -----   CONTACT US   hello@rykercapital.com.au      Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537   -----   TIME STAMPS:   00:00 Intro/Hook 01:36 Pay less tax legally in Austalia 03:00 Progressive Tax System and Tax Brackets 07:25 Difference between Sole Trader and a PAYG 10:09 Tax Deductions and Their Application 16:51 Tax Strategies for Businesses 23:23 Trusts and Tax Planning 29:17 Capital Gains and Tax Harvesting 32:01 Risky Tax Strategies and Client Examples 41:25 Tax Planning for Part IVA and Bankruptcy 43:34 Conclusion/Outro   -----   DISCLAIMER   The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

What Really Happens to Your Super When You Retire? | Ep. 54

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult [https://subscribepage.io/BookAConsult]  ----- In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey to tackle one of the biggest questions Australians face: what really happens to your super when you retire? They unpack the difference between the accumulation and pension phases, the tax advantages of each, and why transitioning into retirement often matters more than the retirement date itself. You’ll discover how contribution caps work (and why exceeding them can trigger a 45% tax bill), the hidden insurance risks of rolling over your super without advice, and how Transition to Retirement (TTR) strategies can help you cut back on work without cutting back your lifestyle. The team also busts myths about the age pension, explains how your assets and income affect eligibility, and shows how even small, smart moves early in your career can add hundreds of thousands to your retirement balance. Packed with relatable client stories, easy-to-follow analogies, and practical strategies, this episode proves super is far more than a savings account, it’s the engine that powers your future lifestyle. If you want to make the most of your super, avoid costly mistakes, and create income you can rely on for life, this is the episode for you.  -----   SHOW NOTES LINKS   https://www.linkedin.com/in/dean-desoukey/ [https://www.linkedin.com/in/dean-desoukey/] https://www.linkedin.com/in/jackoineza/ [https://www.linkedin.com/in/jackoineza/] https://www.linkedin.com/in/malissa-vourakis-79066a67/ [https://www.linkedin.com/in/malissa-vourakis-79066a67/] https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/ [https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/] -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/3qJL8w4 [https://spoti.fi/3qJL8w4]  Apple Podcast: https://apple.co/3QPF3ch [https://apple.co/3QPF3ch]  Amazon Music: https://amzn.to/3YMZjgD [https://amzn.to/3YMZjgD]    -----   FIND US HERE   Facebook: https://bit.ly/3RsO5Mr [https://bit.ly/3RsO5Mr]  LinkedIn: https://bit.ly/3Rs0Qah [https://bit.ly/3Rs0Qah]  Instagram: https://bit.ly/46kZvGp [https://bit.ly/46kZvGp]  TikTok: https://bit.ly/3PSbK7U [https://bit.ly/3PSbK7U]  YouTube: https://bit.ly/3rsKxPG [https://bit.ly/3rsKxPG]    -----   CONTACT US   hello@rykercapital.com.au    Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537   -----   TIME STAMPS:   00:00 – Intro 00:51 – Practical Insights for Different Life Stages 03:20 – Understanding Super Accumulation and Pension Phases 06:56 – Tax Implications of Super in Accumulation vs Pension Phase 10:18 – Contribution Limits and Avoiding Excess Contribution

How to Legally Claim Up to $10K From the ATO Without Spending a Cent | Ep. 53

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult [https://subscribepage.io/BookAConsult]  ---- In this episode, we have Tuan Duong, Principal Quantity Surveyor and founder of Duo Tax, Australia’s most reviewed and highly-rated quantity surveying firm, helping thousands of investors maximise their tax deductions with affordable, ATO-compliant depreciation schedules. Tuan talks about the surprising mistake that cost one investor $80,000 before settlement, how depreciation can boost your cash flow without spending a cent, and the biggest myth that’s stopping investors from claiming tens of thousands in tax deductions. He also discusses how to legally claim depreciation on renovations (even those done by previous owners), the strategic use of "scrapping" to accelerate deductions, and why a simple call to a quantity surveyor could uncover years of missed savings. If you want to avoid costly investment missteps and learn how to turn your property’s wear and tear into serious tax savings, then make sure to listen to this episode! ----- SHOW NOTES LINKS https://duotax.com.au/ [https://duotax.com.au/] https://www.facebook.com/duotax/ [https://www.facebook.com/duotax/] https://www.instagram.com/duotaxqs/ [https://www.instagram.com/duotaxqs/] https://au.linkedin.com/in/duoquantitysurveyors [https://au.linkedin.com/in/duoquantitysurveyors] https://www.youtube.com/@DuoTax [https://www.youtube.com/@DuoTax] https://www.tiktok.com/@duo_tax [https://www.tiktok.com/@duo_tax]  ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4 [https://spoti.fi/3qJL8w4] Apple Podcast: https://apple.co/3QPF3ch [https://apple.co/3QPF3ch] Amazon Music: https://amzn.to/3YMZjgD [https://amzn.to/3YMZjgD] Google Podcast: https://bit.ly/3swIVEF [https://bit.ly/3swIVEF]  ----- FIND US HERE Facebook: https://bit.ly/3RsO5Mr [https://bit.ly/3RsO5Mr] LinkedIn: https://bit.ly/3Rs0Qah [https://bit.ly/3Rs0Qah] Instagram: https://bit.ly/46kZvGp [https://bit.ly/46kZvGp] TikTok: https://bit.ly/3PSbK7U [https://bit.ly/3PSbK7U] YouTube: https://bit.ly/3rsKxPG [https://bit.ly/3rsKxPG]  ----- CONTACT US hello@rykercapital.com.au    Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ---- TIME STAMPS: 00:00 Intro 01:13 Biggest Financial Mistakes First-Time Property Investors Make 07:01 Cashflow Mistakes People Make When Purchasing an Investment Property 08:56 Tax Depreciation Schedules and What to Look Out For/Benefits of Tax Depreciation 19:11 People That Don’t Have Tax Depreciation; What to Do 21:51 Tax Depreciation on Renovation 22:59 Tax Depreciation Methods 24:02 May 2017 Legislation 26:02 Understanding Tax Depreciation Eligibility 28:41 Maximising Tax Depreciation 31:10 Best Time to Get in Touch With a Quantity Surveyor 33:22 Advice for People Looking to Invest a Property 38:02 Negative Gearing and Why Investment Property? 41:27 Tuan’s One Piece of Advice for Property Investors 43:03 Conclusion ----- DISCLAIMER The information provided in this podcast is for general purposes only and should not be con

The Real Costs of Buying Your First Home (And How to Make It Work) | Ep. 52

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult [https://subscribepage.io/BookAConsult]  ----- In this episode, we have Michaela Shaw, Lending Specialist at MoneyQuest Penrith & Blue Mountains, a finance professional known for making the lending journey feel approachable and stress-free, especially for first-home buyers. She talks about the mindset blocks holding Gen Z back from entering the property market, the biggest myth about credit scores that could sabotage your borrowing power, and how to take advantage of lesser-known government schemes to get into your first home sooner. She also discusses how to strategically plan your finances 12–18 months before buying, the unexpected factors lenders consider when assessing your loan, and why working with a mortgage broker and financial adviser can fast-track your journey into the property market. If you want to take the guesswork out of buying your first home and learn how to make confident, informed decisions about your property journey, then make sure to listen to this episode! ----- SHOW NOTES LINKS https://www.linkedin.com/in/michaela-shaw-742866222/ [https://www.linkedin.com/in/michaela-shaw-742866222/] https://www.moneyquest.com.au/broker/michaela-shaw/ [https://www.moneyquest.com.au/broker/michaela-shaw/]  https://www.facebook.com/MoneyQuestBlueMountains/ [https://www.facebook.com/MoneyQuestBlueMountains/] https://www.facebook.com/MoneyQuestPenrith/ [https://www.facebook.com/MoneyQuestPenrith/]  https://www.instagram.com/moneyquest_bluemountains/ [https://www.instagram.com/moneyquest_bluemountains/] https://www.instagram.com/moneyquest_penrith/ [https://www.instagram.com/moneyquest_penrith/]  ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/3qJL8w4 [https://spoti.fi/3qJL8w4] Apple Podcast: https://apple.co/3QPF3ch [https://apple.co/3QPF3ch] Amazon Music: https://amzn.to/3YMZjgD [https://amzn.to/3YMZjgD] Google Podcast: https://bit.ly/3swIVEF [https://bit.ly/3swIVEF] ---- FIND US HERE Facebook: https://bit.ly/3RsO5Mr [https://bit.ly/3RsO5Mr] LinkedIn: https://bit.ly/3Rs0Qah [https://bit.ly/3Rs0Qah] Instagram: https://bit.ly/46kZvGp [https://bit.ly/46kZvGp] TikTok: https://bit.ly/3PSbK7U [https://bit.ly/3PSbK7U] YouTube: https://bit.ly/3rsKxPG [https://bit.ly/3rsKxPG]  ----- CONTACT US hello@rykercapital.com.au    Client Enquiries: 1300 179 537 Careers & Press: 1300 179 537 ---- TIME STAMPS: 00:00 - Introduction 00:35 - Importance of Financial Literacy for Home Buyers 02:15 - The Impact of Interest Rates on Borrowing Capacity 04:30 - How to Assess Your Financial Situation Before Buying 07:10 - Common Mistakes First-Time Buyers Make 09:45 - How Much Deposit Do You Really Need? 12:20 - Understanding Home Loan Options and Government Schemes 15:05 - The Importance of Discipline in Saving for a Home 17:30 - Should You Wait or Buy Now? Setting Realistic Expectations 20:15 - First Home vs. Dream Home: What Should You Aim For? 23:00 - How to Evaluate the Property Market and Adjust Your Goals 25:40 - Final Tips for First-Time Home Buyers 27:30 - How to Get