{"id":20850,"date":"2018-04-16T01:00:14","date_gmt":"2018-04-15T15:00:14","guid":{"rendered":"https:\/\/realestatetalk.com.au\/?p=20850"},"modified":"2018-04-16T01:00:14","modified_gmt":"2018-04-15T15:00:14","slug":"never-too-early-or-late-to-start-luke-harris","status":"publish","type":"post","link":"https:\/\/channels.realty.com.au\/realtytalk\/never-too-early-or-late-to-start-luke-harris\/","title":{"rendered":"Never too early or late to start \u2013 Luke Harris"},"content":{"rendered":"

Luke Harris<\/strong> from The Property Mentors believes that we do not teach our kids soon enough in life about creating a wealth plan for life.\u00a0 He says it should start in school but it is never too late.
\nTranscript:<\/strong>
\nKevin:<\/strong>\u00a0 My next guest is a gentleman I\u2019ve had on the show in the past. Luke Harris is from The Property Mentors. He joins me once again.
\nGood day, Luke. Thanks again for your time.
\nLuke:<\/strong>\u00a0 Good day, Kevin. How are you?
\nKevin:<\/strong>\u00a0 Yes, good mate. The subject this time is talking about developing a wealth creation plan to achieve a lifestyle you desire. Is it about making a plan? We all want to get on in life, but that we don\u2019t quite know how to make the plan, Luke?
\nLuke:<\/strong>\u00a0 That\u2019s right. In school, we\u2019re not taught how to actually set out our goals and our plans for our wealth creation. Wealth creation wasn\u2019t a topic for me to choose at school, unfortunately.
\nKevin:<\/strong>\u00a0 Okay. So, how do we go about doing it?
\nLuke:<\/strong>\u00a0\u00a0How do you do it? Look, the main thing for most people is to really work out why are you investing in the first place? What does wealth creation mean to you? Because for everybody out there, they\u2019re going to have a different take on wealth creation and what that means.
\nFor some people, they assume that wealth creation is having super yachts and Ferraris and traveling first-class everywhere. That\u2019s what a lot of people think wealth creation is about, but for some people, it\u2019s just as simple as being able to live a comfortable retirement \u2013 having the bills paid, fixing the car when it breaks down, and having maybe a cleaner come in once a week \u2013 and it\u2019s not about having a lavish lifestyle. So, it really does vary for each individual.
\nKevin:<\/strong>\u00a0 It\u2019s not about money, is it? It\u2019s about freedom, surely?
\nLuke:<\/strong>\u00a0 Yes, exactly. A lot of people assume that wealth creation is about greed and being money hungry. And you\u2019re exactly right; it\u2019s about what is it that ultimately you need in your lifestyle to actually give you that comfort?
\nKevin:<\/strong>\u00a0 How do you help people create their plan, or come to that understanding, Luke?
\nLuke:<\/strong>\u00a0 The main thing that I actually have learned over the years after speaking to thousands and thousands of different investors out there is that most people actually haven\u2019t got a really clear understanding as to how they got to where they are right now.
\nSo, what I\u2019ve actually worked out over the years is that before you can actually work out where you want to get to and what your wealth creation plan actually looks like, how did you get to where you are now?
\nA lot of people have never actually sat down and worked that out. They\u2019ve never actually sat down and worked out \u201cHow did I get to the financial position that I\u2019m at in life, and how did I get these credit cards, and how did I get this car loan and the mortgage that I\u2019m in?\u201d
\nKevin:<\/strong>\u00a0 For some people, though, they might find that difficult to put a handle on, because for most of us, we just wake up one day and we just do what we do. There\u2019s no planning to it.
\nLuke:<\/strong>\u00a0 You\u2019re exactly right. And the biggest challenge, I think, for a lot of people out there that most people want to, at some level, improve their life and improve their lifestyle. They want to improve their financial situation for their family, or they want to help charities, or whatever it might be, or they want to leave a legacy when they leave the planet. But at the end of the day, most people aren\u2019t really taught how to work on their financial life to get better results.
\nAnd so, what most people are doing is going out there and they\u2019re reading magazines and reading the newspaper and they\u2019re researching online to try and find a silver bullet or something that\u2019s actually going to give them the financial returns that they\u2019re after.
\nBut what we\u2019ve found is that most people out there, they\u2019re actually not basing that on anything. So, they\u2019re chasing high returns, or they\u2019re chasing the next hotspot, but they\u2019re not actually relating that back to their own personal situation.
\nKevin:<\/strong>\u00a0 Because they don\u2019t have a plan. Who helps you develop a plan? Who do you need on your team?
\nLuke:<\/strong>\u00a0 It\u2019s a tricky one, because there\u2019s no real people out there who are just focused on developing a plan. A financial planner that will be able to help you to a certain extent. I\u2019m not a financial planner; I don\u2019t want to be one. But a financial planner will be able to talk about your insurances and your life insurance and your TPD and things like that, and they\u2019ll be able to talk to you about certain financial products, but they can\u2019t talk about direct property, which is a $7 trillion industry. It\u2019s funny that they can\u2019t even talk about the biggest industry that we have here in Australia. So, it\u2019s funny that financial planners can\u2019t help you on a true plan.
\nYour accountant will help you a little bit as far as tax planning, but they\u2019re not going to help you with your investment and your wealth creation plan. They\u2019ll help you on getting the best tax outcome from that, but they\u2019re not going to help you on a full holistic plan. Your mortgage broker is going to help you to a certain extent, but your mortgage broker, again, they\u2019re just there to get you the best loan product to suit your end goals.
\nAnd all of those professionals will touch on what your goals are and what you want to achieve through getting your tax returns done and through getting your next loan and through getting your insurances up to date, but what they won\u2019t do is actually do a full plan on working out how you got to where you\u2019re at in your financial life and where you want to get to in your financial life.
\nKevin:<\/strong>\u00a0 So, who will?
\nLuke:<\/strong>\u00a0 Who will? Look, Matt and I actually started The Property Mentors business a few years ago, because as property investors ourselves, we actually went out there and did what most investors do. They\u2019re going out there looking for the next shiny object, and they\u2019re chasing high returns, and they\u2019re chasing the next hot spot, and they\u2019re trying to manufacture growth, which is what people hear in a lot of these articles and magazines, that you need to go out there and do renovations and subdivisions and try and do stuff that you may not have the experience to do.
\nSo, what Matt and I did is we actually stripped back the whole property investment space and said \u201cWhat do we like out of it? What works for people? What doesn\u2019t work for people? And how can we actually bring to the market something that actually genuinely helps people for the long-term?\u201d
\nSee, what we found was there\u2019s a lot of companies out there that are\u2026 A lot of them do have good intentions and want to do the right thing, but there are also the sharks and the cowboys, as we call them, that are out there looking for the unsophisticated investors.
\nWhat we did is we thought \u201cLet\u2019s look at property investment for the long-term,\u201d which is what we\u2019ve done. We\u2019re long-term property investors, so as such, let\u2019s set out a business that can actually help investors long-term and teach them about how they\u2019re making financial decisions in their life. Let\u2019s look at how they got to where their financial position is. So, how did you get the credit card debt? How did you make those decisions?
\nAnd what we actually did is put together a really solid system to actually educate people around their financial decisions that they\u2019re making and how to really work out to get from where you\u2019re at right now, to where you want to get to.
\nBut before we start investing, Kevin, it\u2019s about setting out your point B position. To get from point A to point B, you have to know exactly where you want to go. The same as if you jump in the car and you want to go to a destination you\u2019ve never been before, you can punch the destination into your GPS these days, and the GPS will recalibrate and guide you the fastest and most efficient way.
\nThat\u2019s exactly why we\u2019re here at The Property Mentors, to help people to get from their point A to their point B position faster and safer and more predictably than what they\u2019ve been doing.
\nKevin:<\/strong>\u00a0 Always good talking to you, Luke. Thank you very much for your time. Luke Harris there, from The Property Mentors. I appreciate your time, mate.
\nLuke:<\/strong>\u00a0 Thanks, Kevin.<\/p>\n","protected":false},"excerpt":{"rendered":"

Luke Harris from The Property Mentors believes that we do not teach our kids soon enough in life about creating a wealth plan for life.\u00a0 He says it should start in school but it is never too late. 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