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At 34, Renuka had no bank card in her own name and her salary wasn't reaching her account. At 43, she owns three Australian properties on one fixed public sector income and is arranging pre-approval on a fourth.
She's a single mum to a primary school-aged son in southwest Sydney.
In this episode she takes Aaron and Lauren through the whole rebuild:
- The $25 a fortnight salary sacrifice a colleague talked her into 15 years ago that became the super balance behind two SMSF properties
- Why she bought where she could afford instead of chasing a blue-chip suburb
- The six financial advisers who told her they don't deal with anyone under a million dollars
- The property deal Lauren stopped her signing after the seller demanded an answer in 24 hours.
She shares the cash envelope system, the notes app that runs her budget, and why every decision points at one number: mortgage-free by 50, so she can go and work in the domestic violence and refugee space.
If you're rebuilding after a separation, buying on one income, or you've been told no and believed it, start here.
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New episodes every Monday, 6:30 am. Formerly The Australian Property Investment Podcast - 280+ episodes.
