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

Waiting might be the most expensive mistake first-home buyers make in 2026.

In this episode of Own It: Your Property Partner, Adam sits down with Lori Pirozzi, new home advocate at Locale Homes, to unpack what’s really happening in the Western Australia property market — and what first home buyers need to understand right now.

With land shortages, strong migration, constrained builder pipelines, and rising prices across WA, this episode cuts through the noise and delivers practical, up-to-date advice for anyone trying to enter the property market.

If you’re wondering whether to wait for an interest rate cut or take action now, this conversation is essential listening.

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

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

ABOUT LORI PIROZZI

Lori Pirozzi is a New Home Advocate at Locale Homes, where she helps first-home buyers navigate the journey of securing the right house and land package with clarity and confidence. With years of experience leading teams and mentoring others, Lori takes a people-first approach, building genuine relationships and delivering tailored solutions that align with her clients’ long-term goals.

In addition to her role in property, Lori is the Co-Founder of skincare brand Glow Culture. Outside of work, she describes herself as an “unenthusiastic dance mum” (her words), a paddleboard enthusiast, and a firm believer in balance, growth, and backing yourself.

See more from Lori:
LinkedIn: https://www.linkedin.com/in/lori-pirozzi-65050142/

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

With a massive $48 billion investment pipeline in mining and infrastructure, WA is on the move and poised for continued growth. But what does that really mean for everyday West Aussies, our housing market, and the future of the FIFO lifestyle?
In this episode, we’re joined by Mark Kouwenhoven, an industry veteran with 17 years of experience across some of WA’s biggest projects. Mark has seen firsthand how the mining and resources sector shapes our economy, our communities, and our property market and he’s here to share what’s changing, what’s coming, and why it matters.

We dive into how WA’s growth story is evolving right now, what this surge in investment could mean for jobs, housing demand and affordability. Mark offers his take on what’s next for the mining and property sectors, and what opportunities lie ahead. Whether you're planning your next move, investing in your future, or just curious about what’s next for WA, this episode is your insider’s look at the forces shaping our state.

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

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

FOLLOW US

Locale Homes
IG: @localehomesau | TikTok: @locale.homes
localehomes.com.au

Locale Wealth
IG: @localewealth | TikTok: @localewealth
localewealth.com.au

Locale Financial
IG: @localefinancial | TikTok: @localefinancial
localefinancial.com.au

ABOUT OWN IT: Your Property Partner
Real stories. Real lessons. Real talk.

Buying your first home, upgrading, or investing can be daunting, you don’t have to do it alone. Hosted by Adam Schaal, Own It shares real experiences, wins, mistakes, and mindset shifts to help you make smarter moves without the jargon.

The Perth market has shifted and if you’re trying to buy right now, you’ve probably felt it.

In this bonus episode, our founder Adam Schaal joins Chrissy Morrissy on 6PR to unpack what’s really going on behind the headlines, and what it means for first home buyers trying to get started.

Right now, we’re seeing a tight supply of established homes, more buyers turning toward house and land, and land values climbing faster than many expected. It’s created a market where options feel limited but opportunities are still there if you know where to look.

Adam breaks down how to approach house and land packages, which areas are gaining momentum across Perth, and how to think about location when you’re starting from scratch.

One thing is clear, the buyers who are prepared are the ones getting ahead. This episode walks through what that actually looks like, and how to put yourself in a position to move with confidence when the right opportunity comes up.

If you’ve been sitting on the side lines unsure where to begin, this is a good place to start.

The biggest mistake first home buyers make? Waiting.

In this episode of Own It: Your Property Partner, Quentin Smith shares practical, real world insights to help first home buyers get into the market sooner, without the overwhelm. The conversation explores what a realistic first home looks like today, which compromises can make a meaningful difference, and how common financial habits can impact borrowing power.

They also break down saving for a house deposit, managing debt, and how everyday spending habits influence your borrowing power. For first home buyers feeling stuck, this episode provides clear, practical guidance to help move from planning to owning with confidence.

If you’re feeling stuck on the sidelines, this episode offers a practical game plan to move forward.

Here’s what you’re in for:

00:00 Guest Intro

00:54 Life in South Africa and Moving to Australia

02:05 Experiences with Crime in South Africa

03:59 Choosing Perth and Building a Life

05:30 Work Ethic and Cultural Differences

07:13 Perth's Housing Market Challenges

11:59 Impact of COVID on Housing and Work

16:06 Government Schemes and Financial Advice

17:55 Real Estate Market Trends and Opportunities

27:18 Creating a Game Plan for Home Ownership

27:56 Market Trends and Opportunities

28:32 The Importance of Timing in Real Estate

29:12 The Value of Early Investment

31:16 Adjusting Expectations for First-Time Buyers

35:06 Smart Financial Planning for Home Buyers

39:39 The Role of Education and Planning

47:04 Overcoming Financial Barriers

50:23 Success Stories and Final Thoughts

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

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

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ABOUT QUENTIN SMITH

With over 15 years of experience in the construction industry, Quentin has worked across multiple countries and gained a wealth of hands on knowledge along the way. His passion for building goes beyond bricks and mortar, he’s driven by a genuine desire to change lives and help people take that life changing step into homeownership.

See more from Quentin:

LinkedIn:https://www.linkedin.com/in/quentin-smith-55203a31a/?originalSubdomain=au

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

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.&

Australia’s property market is changing fast, with many of the trends of the past five years now reversing. Adam speaks with Angus Moore, Senior Economist at REA Group, about what’s shaping today’s housing market, from uneven growth between cities to shifting migration patterns and the impact of higher interest rates on buyers and renters.

Listen to the full episode of Own It: Your Property Partner for expert insights on navigating Australia’s housing market with confidence.

Timestamps:
00:00 Introduction

00:18 Current market trends

00:45 Differences between major and smaller cities

01:55 Impact of interstate migration

03:26 Market stabilisation outlook

05:58 Rental market pressures

08:23 Construction and approvals

12:59 First-home buyer affordability

15:45 Recent price movements

16:58 Interest rate outlook

17:54 Government schemes

20:35 First-home buyer advice

21:37 Economic risks

22:38 Wages and business investment

23:54 WA market outlook

26:43 Melbourne trends

30:26 National insights

37:04 Generational differences

41:26 Market predictions

42:45 Closing remarks

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ABOUT ANGUS MOORE

Angus Moore is the Senior Economist at REA Group, where he analyses Australia’s housing market using real-time data from PropTrack to help buyers, investors, and policymakers understand market trends and affordability.

He worked as an Economist and Data Scientist at Accenture Strategy, leading data-driven projects on the economic impact of COVID-19 and contributing to Xero’s Small Business Insights and Index. He also spent five years at the Reserve Bank of Australia and holds First Class Honours in Economics and a Bachelor of Laws from the University of Adelaide.

See more from Angus:
LinkedIn: https://www.linkedin.com/in/angus-moore-ba8aa477

Website: https://www.rea-group.com/

https://www.realestate.com.au/

ABOUT ADAM SCHAAL
Founder and Director of Locale Property Group. With decades of experience and billions in transactions, Adam is known for integrity, clarity, and helping clients make confident property decisions through honest, long-term guidance.

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

ABOUT OWN IT: Your Property Partner
Real stories. Real lessons. Real talk.

Buying your first home, upgrading, or investing can be daunting, you don’t have to do it alone. Hosted by Adam Schaal, Own It shares real experiences, wins, mistakes, and mindset shifts to help you make smarter moves without the jargon.

Learn more:
Podcast: https://open.spotify.com/show/6mJ6RDVDZNU4Ov7aoH6FdA

Facebook: facebook.com/localewealth

FOLLOW US : Locale Property Group

Homes
IG: @localehomesau | TikTok: @locale.homes
localehomes.com.au

Wealth
IG: @localewealth | TikTok: @localewealth
localewealth.com.au

Financial
IG: @localefinancial | TikTok: @localefinancial
localefinancial.com.au