Ron & Jovi
Ron & Jovi’s Journey to Financial Growth
01. Сhallenge
In 2020, Ron and Jovi —a driven young couple—approached us feeling uncertain. With Ron working as a carpenter and Jovi as a midwife, their incomes were modest. They were fortunate to be living rent-free with family, which gave them a head start—but they were confused: should they buy their first home or begin investing? They had one thing working powerfully in their favor: they were eager, coachable, and ready to take action.
02. Our Approach
We designed a clear, three-stage investment roadmap, tailored to their financial position and long-term vision. The strategy aimed to help them acquire three properties in three years while building equity, improving cash flow, and opening doors to future business opportunities—including Rodel’s dream of launching his own cleaning franchise. Here’s how the journey unfolded:
The Strategy: Unlocking SMSF for retirement security
The Results
- Equity: Over $515,000 in equity uplift across three properties within just three years.
- Rental Returns: All properties are either positively geared or close to cash flow neutral, with strong yields from Townsville and Perth.
- Strategy: By unlocking their super and setting up a Self-Managed Super Fund, they secured a high-growth investment property in Perth—setting themselves up for a stronger and more secure retirement.
The Outcome
- The most rewarding milestone: Rovi has now left his full-time job and officially launched his own cleaning franchise, turning a long-held dream into reality.
- Their journey is a powerful reminder that with the right mindset and strategy, you don’t need a high income to build real wealth—just the right plan and guidance.
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2020 (Starting Point)
Rodel (carpenter, $76000 AUD/year) and Jovelle (midwife, $53557 AUD/year) rent in Plumpton, NSW with their child.
Goal: Early retirement via passive income
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2021 (1st investment)
Purchased in Ripley Valley, QLD for $411000, valued at $650000 in 2025.
Equity Gained: $239000
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2022 (2nd investment)
Purchased for $550000, valued at $680000 in 2025.
Equity Gained: $130000
Rental Return: $2513/month
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2023 (3rd investment)
Purchased for $365000, valued at $550000 in 2025.
Equity Gained: $185000
Rental Return: $2817/month
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2025 (On Track for Early Retirement)
Total Equity: $554,000
Projected Passive Income: $156,000/year ($3,000/week) by 2035.
