One ends up finding whatever one looks for in life: problems or solutions, excuses or opportunities, fear or experience, failure or success.
You are about to read an inspiring true story which illustrates that the primary foundation for realising life’s biggest accomplishments has very little to do with the city where one lives, which generation one was born in, one’s chosen occupation type or what handouts one receives.
This story is about a lovely Gen Y couple called Sachin and Sally.
Each with nothing to their name, they arrived here separately during their late teens.
They met, got married, subsequently purchased a home and have raised a family.
This everyday Aussie couple have worked hard.
Importantly, they set goals and exercise determination and disciplined to stay the course.
While still only 7-years into a longer journey, adopting good habits has already enabled them to accumulate a $670,000 nest egg from an investment portfolio with 4 properties.
One harvests what one sows
“My father worked in the oil and gas sector,” Sachin explained to Propertyology.
“Growing up as a child, we moved around every few years. Every city and every state was different in many ways”.
One thing that he observed wherever he lived was that each person’s attitudes towards life was directly reflected in what they accomplished.
“My siblings and I were raised to be aspirational and encouraged to not block achievements with unnecessary boundaries,” said Sachin.
“While in my latter years of high school, my eldest brother relocated from our homeland of India to the other side of the world to go to university in the US”.
Like a high portion of Indians, Sachin is very fond of cricket. As a teenager watching cricket on the television, he was constantly impressed by the idyllic Australian lifestyle with an abundance of open space and natural landscapes.
22 years ago, Sachin decided that he wanted the Australian lifestyle.
“I moved from India at the age of 18 for education and long-term opportunities”.
Sachin’s parents agreed to pay his first year of university fees, but it was up to him to figure everything else out.
Being taken out of one’s comfort zone and dealing with challenges is a fundamental for adult life, personal growth and development.
“I worked hard to support myself through university and living expenses. Those early years taught me the value of discipline, hard work, and long-term planning.”
Getting on the property ladder
Sally migrated from Fiji with her family.
Both Sachin (international business) and Sally (accounting) successfully completed university degrees and acquired stable jobs.
While they enjoyed short stints living on the Gold Coast and Sunshine Coast, they chose to settle in Brisbane and got married at 26.
Sachin and Sally made it a priority to get a foot on the property ladder as soon as they could.
“We were determined,” said Sachin.
“We prepared a solid household budget, were disciplined with our discretionary spending and frequently put our hand up to work overtime.”
Regardless of the generation, those character traits will always be the bedrock for life’s biggest accomplishments.
This goal-orientated couple had saved a deposit within a few years. But they couldn’t afford the then median house price of $475,000 (2014) to buy where they wanted to live.
History is littered with indisputable proof that each of the 8 post-war decades were stooped in challenges associated with housing affordability, insufficient housing supply, soaring property taxes and incompetent governments.
History also proves that, for those who have a strong enough will, there is always a way.
While others threw the toys out of the cot, Sachin and Sally problem solved.
They elected to go down the Rent Vestor path.
“We paid $275,000 for a very basic house. That was a lot of money,” said Sachin.
“We bought it in Brisbane’s outer-western suburbs, the opposite side of the city to where we live.”
With what he now knows, Sachin described several ‘mistakes’ that they made with the decision to buy that first property.
The reality is that progress through all walks of life comes from a collection of lessons from past mistakes.
Without one’s preparedness to act one gains zero experience to subsequently benefit from.
“Buying that first property meant that we had one foot on the ladder.”
The secret to climbing ladders is a process. Remain focused on the next rung!
A legacy from the capital growth produced by that first property is an earlier entry into purchasing the nice home that Sally and Sachin are now raising their family in.
Failing to invest is a plan for a failed retirement
Taxpayer-funded aged pensions and superannuation are grossly insufficient resources for supporting a comfortable retirement lifestyle.
“Achieving financial freedom and building a secure future for our family is important to us,” said Sachin.
“It would be nice if Sally had the option to retire by about age 55. We want to maintain a comfortable lifestyle, continue travelling, and have flexibility with how we spend our time”.
Once again, they made it a priority to figure out how they could achieve their next big-picture goal.
They first came across Propertyology when they saw Simon Pressley presenting at a property investment convention.
Shortly after that, a good friend of theirs gave Sachin and Sally a layperson’s explanation of the importance of being a borderless property investor.
That friend had already accumulated a portfolio of properties using Propertyology’s expertise.
Sachin articulates it perfectly:
“The borderless approach helps remove emotional bias and opens up better opportunities.”
“This strategy allows us to make intelligent decisions through focusing on strong economic fundamentals, affordability, and future growth rather than being limited to (so-called) familiar locations,” said Sachin.
An elite property portfolio
Towards the end of 2018, Sachin and Sally participated in a no-obligation professional consultation with Propertyology.
Impressed by the firm’s depth of knowledge, track record and high ethical standards, they began to appreciate Propertyology’s nation-leading skill.
After acquiring confidence in the firm’s very structured process, Sachin and Sally engaged the services of the property investment specialists.
Their first real estate investment was for a purchase price of $344,000 in April 2019.
The Propertyology team helped them add a further three properties to the portfolio in June 2022 ($438,000), April 2024 ($580,000) and October 2024 ($650,000).
Each parcel of Sachin and Sally’s capital has been expertly invested in a diverse collection of cities across 4 different states, each with a sensible combination of identifiable growth drivers and low risks.
Just 7-years after commencing their investment journey with Propertyology, Sachin and Sally’s net worth has already increased by $670,000.
From small things big things grow!
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When asked to comment on the unique nature of Propertyology’s expertise, Sachin said:
“What stands out to us is Propertyology’s research-driven approach”.
“They analyse key market fundamentals such as economic drivers, infrastructure pipelines, and government planning before recommending locations”.
“It’s a very structured and data-backed approach, which gives us confidence in decisions”.
“They make the entire process very straightforward. Once engaged, they handle everything, from identifying the right location and conducting research to sourcing properties, negotiating, and coordinating with agents, solicitors, and banks.”
Progress is not linear
Get rich quick schemes are nothing more than mythical outcomes that lazy people hope to find.
Anyone with aspirations to one day enjoy a quality retirement lifestyle and is genuinely prepared to act must also accept that they’ll experience adversity along the way.
Challenges within one’s private life, personal earning capacity, health, and all sorts of external factors such as global and domestic curve balls, daily fearmongering and countless Tall Poppy policy attacks…
The below graphic illustrates a long laundry list of very significant challenges throughout the last half a century.
Yet the value of a typical Australian house increased from $12,000 in 1970 to $1.2 million in 2026.
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The performance of each of Sachin and Sally’s asset variedly widely from one year to the next. Including an isolated period of (on paper) valuation decline.
Yet, within just 7-years, they’ve already made $670,000 worth of progress.
Sachin explained “We have already navigated several global events. Our approach has always been long-term”.
“We don’t react to short-term market noise. We stay focused on our strategy.”
Grit and resilience are essential qualities for anyone with ambition. Those who aren’t prepared to absorb a few punches need not bother jumping in the ring.
The ‘right time’ for anyone to invest in their future is as soon as they have financial resources available.
The most important question is never ‘when’, but ‘where’.
Australia is the 6th largest country in the world. Each of the 400+ townships across the country is akin to a company on the stock market.
“While various events may create short-term uncertainty, staying aligned with a well-thought-out strategy will deliver results over time,” said Sachin.
Success as an investor has similarities to success in elite sport:
One needs a will to win, a preparedness to put the effort in, and the discipline which does not allow one to get distracted away from where one wants to end up.
Over time, repeated good habits produce massive gains.
A final word from Sachin…
“We’ve worked closely with Simon, Bryan, and Mandie. They genuinely reflect the company’s values”.
“There is a strong level of trust”.
“They don’t rush decisions. They take the time to find the right fit within our strategy and budget.”
“Their transparency, communication, and integrity have been excellent, and we’ve had strong results working with them.”
The search for Sachin and Sally’s next investments is currently underway.
** To protect the identity of the individuals that this true story is about, their real names have been replaced by ‘Sachin and Sally.’
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