{"id":10109,"date":"2016-12-12T10:00:34","date_gmt":"2016-12-11T23:00:34","guid":{"rendered":"http:\/\/realestatetalk.com.au\/?p=10109"},"modified":"2016-12-12T10:00:34","modified_gmt":"2016-12-11T23:00:34","slug":"the-5-levels-of-wealth-michael-yardney","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/the-5-levels-of-wealth-michael-yardney\/","title":{"rendered":"The 5 levels of wealth – Michael Yardney"},"content":{"rendered":"

 
\nMany Australians have chosen to invest in property to develop financial freedom and get themselves out of the rat race.\u00a0Michael Yardney<\/strong><\/a> believes that as they take their investment journey, they fit into one of five <\/i>levels of wealth. Find out where you fit.
\n 
\nTranscripts:<\/strong>
\nKevin:<\/b>\u00a0 My good friend Michael Yardney has developed a wealth pyramid, a pyramid of financial independence. There are four steps to that, and we\u2019re going to look at those steps today as we talk to Michael.
\nGood morning, Michael, and thanks again for joining us.
\nMichael:<\/b>\u00a0 Thanks, Kevin.
\nKevin:<\/b>\u00a0 Many Australian have chosen \u2013 haven\u2019t they \u2013 to invest in property, develop their financial freedom and get themselves out of the rat race. I know you\u2019ve analyzed this with a number of people you work with and you come up with these different levels.
\nWhat\u2019s the first level, Michael?
\nMichael:<\/b>\u00a0 Let\u2019s talk about this pyramid first, and then \u2013 you\u2019re right \u2013 we\u2019ll talk about the four steps and how to work your way up.
\nI think it\u2019s interesting for us to consider where are we sitting at this? Level zero is really what I call financial instability. Since most Australians still today live from paycheck to paycheck, they really are at this level, Kevin. They\u2019re financially unstable. I\u2019m not saying they\u2019re poor, but if they lose their job, if they have an emergency, if they have an illness or their car breaks down, they have no money reserves, they have nothing to cope.
\nHow can they handle these unexpected burdens that life dishes out? Often, the only way they can is to borrow more, get further into debt, and this only creates more financial hardship. The bottom level is financial instability.
\nKevin:<\/b>\u00a0 It\u2019s a bit like lurching, isn\u2019t it? You lurch from one disaster to another, really.
\nMichael:<\/b>\u00a0 Yes. Interestingly, when they earn more, it doesn\u2019t help them any. They end up spending more, and somehow or another, they make sure that the money just lasts out the month or, in general, it\u2019s the other way around; it actually cuts out a few days before the end of the month.
\nKevin:<\/b>\u00a0 How do you achieve the first level? How do you start to become independent, Michael?
\nMichael:<\/b>\u00a0 The next step is to go up a level in this pyramid that I call financial stability. To achieve this most basic level, you have to be at the level where you\u2019ve accumulated enough liquid assets \u2013 it could be savings, it could be money in a line of credit, or something like that \u2013 to cover your current expenses for a minimum of six months, so you\u2019re financially stable if things go wrong. You have your private health insurance, you have some life insurance to protect you and your family\u2019s lifestyle if something goes wrong.
\nYou attain this financial stability and then you suddenly get a bit of a comfort. You feel a little bit of the pressure off. You\u2019re not as much on the treadmill, knowing that if anything unexpected comes along, your family\u2019s lifestyle won\u2019t be unduly compromised. You\u2019re going to have adequate time to look for new sources of income to put you back on track again, Kevin.
\nKevin:<\/b>\u00a0 This is the foundation, Michael. From here, do you start to build?
\nMichael:<\/b>\u00a0 Yes, you do. We\u2019ll talk about how you get there next, but as we work up the levels of the pyramid, level two is what I call financial security. Where you started at instability, stability, and financial security \u2013 which is where many people want to get \u2013 is they\u2019ve now accumulated enough assets \u2013 maybe it\u2019s a sufficiently large property portfolio \u2013 to generate enough passive income to cover their most basic expenses. This would be things like your mortgage and your tax payments, your car expenses, and your grocery bills.
\nWhen you reach this level of financial security, you could stop working and maintain \u2013 I guess \u2013 a very simple, a very basic lifestyle. But smart property investors want to go further than that, Kevin\u2026
\nKevin:<\/b>\u00a0 What is the next level?
\nMichael:<\/b>\u00a0 \u2026To get to what I call financial freedom. Level three is financial freedom. You\u2019re financially free when you\u2019ve accumulated sufficient assets to generate enough passive income not to only maintain the lifestyle you desire \u2013 not your current lifestyle but the lifestyle you desire \u2013 but it\u2019s also going to help pay all of your expenses without ever having to work again. That, in my mind, is by building a substantial asset base that you then eventually lower your loan-to-value ratio and get a cash machine.
\nWhen you\u2019re a successful investor, you don\u2019t have to work again, but interestingly, we find that a lot of people still do, don\u2019t they?
\nKevin:<\/b>\u00a0 Because they enjoy it, Michael. They enjoy what they\u2019re doing.
\nMichael:<\/b>\u00a0 That is right.
\nThe next and the last level in my mind is financial abundance, level four. A small group of sophisticated property investors achieve what I call financial abundance. That\u2019s when their portfolio works overtime. They\u2019re free of all of the financial pressures, and they have enough surplus income that it not only pays for their lifestyle and all their expenses but then they start contributing back to the community, often through charitable work, sometimes through donations. But despite that, their asset base keeps growing. It\u2019s sort of working overtime compounding. That\u2019s the real cash machine in my mind, Kevin.
\nKevin:<\/b>\u00a0 How do you move on, Michael? How do you climb up to becoming the top?
\nMichael:<\/b>\u00a0 In my mind, there are four steps to it, Kevin. The first one is to decide to become wealthy. I know that sounds basic, and most people say, \u201cYes, I\u2019ve already decided,\u201d but most Australians actually never make a firm commitment.
\nLife gets in the way, they\u2019re busy, they\u2019re having their children, they\u2019re building their homes, they\u2019re enjoying their life, they\u2019re traveling, and so what they are not doing is putting a firm plan into place. You have to truly commit to getting yourself financially independent to become wealthy, step one.
\nThen step two is invest in your financial education. If you\u2019re a beginning investor, you have to focus on increasing your financial education to fast track your success. There are all these great resources like Real Estate Talk with all of the experts you have on your show, going to seminars, watching DVDs, great podcasts like this.
\nIf you\u2019re a more experienced investor, your priority is to grow your asset base sufficiently to become financially free. But you have to keep learning even when you get to that level, so you learn more about finance and tax and asset protection.
\nThe third step is don\u2019t wait until you know it all to get started because if you do, you\u2019re never going to take the first step. One of the things I\u2019ve learned early in the piece was the paradox of knowledge: the more you learn, the more you realize you don\u2019t know.
\nMany people say, \u201cIf I knew it all, I\u2019d be safe; once I get all this right and know exactly where the market is, I\u2019ll start doing things.\u201d How do you know when to invest? Kevin, in my mind, you have to have the courage and conviction to take action knowing that you\u2019ll never know it all but you\u2019re going to learn along the way, educating yourself as you move up the ladder.
\nThe last of the four steps is surround yourself with like-minded people. There is no such thing in my mind as a self-made millionaire. Every financially independent investor I know has surrounded themselves with a smart team of advisors and professionals and like-minded individuals. They get a mentor, they join other people who have similar journeys planned, and that way, they can get there a lot faster and safer, and it makes the journey much more pleasant.
\nKevin:<\/b>\u00a0 The wonderful thing about money and wealth \u2013 I\u2019ve read this in one of your books, too, Michael \u2013 is that it doesn\u2019t discriminate. It doesn\u2019t care who you are, who you think you are or even what your parents thought or did or even said to you. It doesn\u2019t discriminate at all, does it?
\nMichael:<\/b>\u00a0 No. Each day starts with a clean slate, which means you have the same rights and the same opportunities as everyone else, so my suggestion is start making your way up that investment ladder to financial freedom today.
\nKevin:<\/b>\u00a0 Great words. Thank you, Michael. Lovely talking to you.
\nMichael:<\/b>\u00a0 My pleasure, Kevin.
\n <\/p>\n","protected":false},"excerpt":{"rendered":"

  Many Australians have chosen to invest in property to develop financial freedom and get themselves out of the rat race.\u00a0Michael Yardney believes that as they take their investment journey, they fit into one of five levels of wealth. Find out where you fit.  …<\/p>\n","protected":false},"author":176692471,"featured_media":10110,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[34,10,11,13,36,17,22,25],"tags":[101],"class_list":["post-10109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-topic","category-kevin-turner-sponsored-channels","category-kevin-update","category-latest-story","category-property-investment-topic","category-property-investment","category-research-topic","category-sponsored-channels","tag-podcast"],"yoast_head":"\nThe 5 levels of wealth - Michael Yardney - Realty Talk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/channels.realty.com.au\/realtytalk\/the-5-levels-of-wealth-michael-yardney\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The 5 levels of wealth - Michael Yardney - Realty Talk\" \/>\n<meta property=\"og:description\" content=\"  Many Australians have chosen to invest in property to develop financial freedom and get themselves out of the rat race.\u00a0Michael Yardney believes that as they take their investment journey, they fit into one of five levels of wealth. 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