In this episode, George Markoski explains why motivation and discipline alone are unreliable tools for long-term success, and why systems matter more than willpower.

George breaks down the concept of goal getting rather than goal setting, sharing how results are created through structure, identity, and repeatable processes, especially on the days when motivation disappears. He also walks through a practical ChatGPT-based framework designed to turn goals into systems that compound over time.

The conversation explores how focus works at a neurological level, why real goals force identity change, and how removing friction and excuses before they appear leads to consistent execution.

The episode also includes a grounded update on the Australian property market, covering supply shortages, rental pressure, government policy support, and why long-term fundamentals continue to matter.

This episode is for anyone who wants results that last, not motivation that fades.

In this Christmas Special episode of the Money for Life Mastermind, we take a deep dive into Australia's ongoing housing crisis and what it means for property investors.

The discussion explores the key forces driving rising property prices and rental pressures, including population growth, overseas migration, declining rental supply, and recent government initiatives that have intensified demand.

Alongside the market insights, this episode also celebrates the achievements of Positive Property members — from first-time investors to those expanding their portfolios, investing through super, and setting up long-term wealth strategies for their families.

This special episode combines education, perspective, and real-world results, offering listeners both clarity on the market and inspiration from investors taking action.

In this episode, George breaks down APRA's new Debt-to-Income (DTI) rule coming in February 2026—and why investors shouldn't panic. The rule limits banks to approving only 20% of new loans to borrowers with a DTI above six, but most lenders are already well below this threshold.

George explains how this move is more of a light "tune-up" than a crackdown, aimed at slowing down high-risk borrowers while creating a rare buying window for educated investors. With fewer investors able to borrow, rental supply tightens, rents rise, and cash flow strengthens—setting up a classic accumulation phase.

Mortgage broker Barbara adds that lenders still have plenty of room under the cap, and experienced investors often get more flexibility from banks than first-timers.

George also answers questions on rental vacancies, buying property with a partner, Super 6 structures, commercial property risks, inheritance tax, and why Victoria may currently be one of the strongest buying opportunities.

About Money for Life:
Every week, Money for Life Mastermind brings you real conversations about wealth, mindset, and freedom — hosted by George Markoski, with experts who know what it takes to succeed.

Additional Resources:
📞 Interested in personalised property investment advice? Book a free wealth call with our team → https://george.property/WealthCall-O
📚 Grab a free copy of my bestselling book It's the road map to successful investing in property, using low risk tried and tested methods → https://george.property/Mybook

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