Are you earning great money in FIFO but struggling to actually build wealth? You could be leaving thousands on the table and not even know it.

In this episode, our host Adam Schaal sits down with Tegan Larkins, Managing Director of Talent Mining & Minerals and host of The Mining Mum Podcast, to unpack one of the most costly mistakes high-income earners make: not having a financial plan.

They break down exactly how salary sacrificing works, why the "golden handcuffs" of mining income can trap you, and why so many FIFO workers put off getting educated about money despite the clear financial upside.

We cover:

• The real power of salary sacrificing into shares and super—and how it helped Tegan build her home deposit
• The "golden handcuffs" trap and how high income can actually cost you if you don't have a plan
• The barriers that stop FIFO workers from getting financially educated (and why most of them aren't as real as you think)
• How to take action today and start building real wealth
• Women closing the wealth gap through open conversations about money
• Why getting interested in your money early can completely change your future

Whether you're considering FIFO work, already in the industry, or just earning solid income, this episode could be the nudge that helps you stop leaving money on the table.

Don't forget to like, comment, and subscribe for more!

ABOUT ADAM SCHAAL

Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia's property and construction industry. With decades of experience and billions in property transactions, he's known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam:

LinkedIn: https://www.linkedin.com/in/adam-schaal/

Website:

https://localefinancial.com.au/ https://localehomes.com.au/ https://localewealth.com.au/

ABOUT TEGAN LARKINS

Tegan Larkins is the Managing Director of Talent Mining & Minerals and the host of The Mining Mum Podcast. Based in Western Australia, she has worked in the mining industry for 10 years and now uses her platform to spotlight people in the mining and resources sector. Through The Mining Mum, she shares conversations around FIFO life, mining careers, family, industry pressures, and the real stories behind people working in mining.

See more from Tegan:

Instagram: @miningmum Spotify: https://open.spotify.com/show/0pG0VpYw4efjNnV6NoQD7r Apple Podcasts: https://podcasts.apple.com/au/podcast/the-mining-mum/id1775364763 Website: https://www.talentminingandminerals.com/

ABOUT OWN IT Your Property Partner

Real stories. Real lessons. Real talk.

Buying your first home, upgrading, or investing? It's a big move and you don't have to go it alone.

Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.

To know more about Own It Your Property Partner, you can visit the links below:

Presented by: Locale Property Group

YouTube: https://www.youtube.com/@LocalePropertyGroup

Are you still on the same home loan you signed up for years ago?

You could be paying thousands more than you need to and not even know it.

In this episode, our host Adam Schaal sits down with Ankit Kaushik, a broker at Locale Financial, to unpack one of the most common (and costly) mistakes Australian homeowners make: doing nothing with their mortgage.

They break down exactly what refinancing is, why your loyalty to your lender could be quietly costing you up to $7,000 a year, and why so many people put it off despite the clear financial upside.

We cover:

• The real benefits of refinancing, from lower repayments to accessing equity
• The "loyalty tax" and how staying with your current lender can quietly drain your wallet
• The barriers that stop people from refinancing (and why most of them aren't as real as you think)
• How to take action today and start saving

Whether you're a first-time homeowner or a seasoned investor, this episode could be the nudge that saves you thousands.

Don't set and forget your mortgage, aim to set and optimise it.

Locale Financial | Expert mortgage broking for everyday Australians.

Don’t forget to like, comment, and subscribe for more!

ABOUT ADAM SCHAAL

Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia’s property and construction industry. With decades of experience and billions in property transactions, he’s known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam:

LinkedIn: https://www.linkedin.com/in/adam-schaal/

Website:

• https://localefinancial.com.au/
• https://localehomes.com.au/
• https://localewealth.com.au/

ABOUT ANKIT KAUSHIK

Ankit’s path into broking is backed by a solid foundation in accounting and residential lending, along with a people-first approach shaped by his early career in customer service and sales. He’s a University of Wollongong commerce graduate (with distinction), holding a Cert IV in Finance Broking. Known for his approachable and detail-driven style, Ankit makes home finance feel clear and stress-free, especially for first-time buyers navigating the unknown.

ABOUT OWN IT Your Property Partner

Real stories. Real lessons. Real talk.

Buying your first home, upgrading, or investing? It’s a big move and you don’t have to go it alone.

Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.

To know more about Own It Your Property Partner, you can visit the links below:

Presented by: Locale Property Group

YouTube: https://www.youtube.com/@LocalePropertyGroup

Thinking about buying your first home but worried about hidden costs or builder traps?

In this episode, we chat with Brooko about what Perth millennials are facing in today’s competitive property market.

We cover:
• Build vs Established: Brooko breaks down the real pros and cons for first-home buyers.
• Hidden Costs & Builder Red Flags: Learn how “from price” marketing, site costs, and sales tactics can catch buyers off guard.
• Smart First-Home Moves: Tips on deposits, LMI, the 5% scheme, and why borrowing smart matters more than borrowing big.

If you’re planning your first home, this episode is a must-listen. Tune in and share it with someone taking their first step into the market.

Learn more at https://localehomes.com.au/

Don’t forget to like, comment, and subscribe for more!

ABOUT BROOKO MOVES

Brooko Moves is a Perth-based content creator who documents the real journey of millennials navigating the housing market. Through honest videos and insights, she breaks down the challenges of saving for a deposit, dealing with builders, and understanding the hidden costs of buying a home in today’s market. Her content aims to educate and empower first-home buyers to make smarter property decisions.

See more from Brooko:

Instagram:https://www.instagram.com/brooko_moves

YouTube:https://www.youtube.com/@brookomoves

ABOUT ADAM SCHAAL

Adam Schaal is the Founder and Director of Locale Property Group, a leading name in Australia’s property and construction industry. With decades of experience and billions in property transactions, he’s known for his integrity, leadership, and commitment to transparent, client-focused service. Adam is passionate about helping people achieve their property goals through honesty, expertise, and long-term relationships.

See more from Adam:

LinkedIn: https://www.linkedin.com/in/adam-schaal

Website: https://localewealth.com.au/

https://localehomes.com.au/

ABOUT OWN IT Your Property Partner

Real stories. Real lessons. Real talk.

Buying your first home, upgrading, or investing? It’s a big move and you don’t have to go it alone.

Hosted by Adam Schaal, the founder of Locale Property Group, Own It is where we discuss property journeys, wins, mistakes, mindset shifts, and everything in between. No jargon. Just honest, empowering conversations that shed light on all things property.

To know more about Own It Your Property Partner, you can visit the links below:

• Podcast/Blog: https://open.spotify.com/show/6mJ6RDVDZNU4Ov7aoH6FdA

Presented by: Locale Property Group

• Facebook: https://www.facebook.com/localewealth
• Instagram: https://www.instagram.com/localewealth/
• TikTok: https://www.tiktok.com/@localewealth
• YouTube: https://www.youtube.com/@LocalePropertyGroup