Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult

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In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down once again with the Ryker Capital team — Jack Oineza, Ricky Regmi, and Dean Desoukey — to tackle the question everyone asks but few can answer clearly: what does it really take to retire on $100,000 a year?

They unpack the 4% rule in plain English (why $2.5 million can fund a $100k income), the “bucket” approach to balance debt, investing, and lifestyle, and the power of small, regular super contributions through compounding and dollar-cost averaging. You’ll hear how geo-arbitrage can stretch your money by spending part of the year in lower-cost countries, why Centrelink can be a force multiplier in retirement, and how to set different risk settings as you move through your golden, silver, and legacy years.

Whether you are 21 and starting with $50 a week or in your 50s making up ground, the team shows you how to reverse-engineer a six-figure retirement, avoid common traps, and build a portfolio that can weather market dips without panic selling. If you want a practical, human guide to turning the $100k dream into a plan, this episode is for you.

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SHOW NOTES LINKS

https://www.linkedin.com/in/dean-desoukey/

https://www.linkedin.com/in/jackoineza/

https://www.linkedin.com/in/malissa-vourakis-79066a67/

https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/

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LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3qJL8w4

Apple Podcast: https://apple.co/3QPF3ch

Amazon Music: https://amzn.to/3YMZjgD

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FIND US HERE

Facebook: https://bit.ly/3RsO5Mr

LinkedIn: https://bit.ly/3Rs0Qah

Instagram: https://bit.ly/46kZvGp

TikTok: https://bit.ly/3PSbK7U

YouTube: https://bit.ly/3rsKxPG

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CONTACT US

hello@rykercapital.com.au

Client Enquiries: 1300 179 537

Careers & Press: 1300 179 537

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TIME STAMPS:

00:00 Intro / Hook

01:36 How much do you need to retire on $100,000 a year

02:46 Structuring a $100,000 retirement

05:54 What does $100,000 a year in retirement look like

08:20 How to achieve $100,000 a year in retirement

11:59 Paying extra into super

18:50 Advice for a 21-year-old earning $85,000 a year who wants to retire on $100,000

20:59 What it looks like when a 21-year-old adds $100 a week into super

29:27 The impact of contributing $150 a week into super

30:37 How to achieve $100,000 a year in retirement if you start later in life

36:47 Investment strategies and market volatility

42:43 The role of financial advisors

49:19 Final thoughts/Outro

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DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult

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In this episode of The Wealth Guide Podcast, host Malissa Vourakis sits down with the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey, to answer a question that every Australian has asked at some point: how do you legally pay less tax?

They break down how the progressive tax system really works, why the top marginal rate can sting at 45%, and how using structures like companies and trusts can legally bring that bill down to as low as 25%. You’ll learn the difference between smart tax planning and anti-avoidance (and why the ATO takes one very seriously), how superannuation delivers powerful tax advantages at just 15% in accumulation and 0% in pension phase, and the traps that catch people out with deductions, home offices, and novated leases.

If you want to understand the strategies behind paying the right amount of tax, protect yourself from costly mistakes, and keep more of your money working for your future, this is an episode you can’t afford to miss.

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SHOW NOTES LINKS

https://www.linkedin.com/in/dean-desoukey/

https://www.linkedin.com/in/jackoineza/

https://www.linkedin.com/in/malissa-vourakis-79066a67/

https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/

-----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3qJL8w4

Apple Podcast: https://apple.co/3QPF3ch

Amazon Music: https://amzn.to/3YMZjgD

-----

FIND US HERE

Facebook: https://bit.ly/3RsO5Mr

LinkedIn: https://bit.ly/3Rs0Qah

Instagram: https://bit.ly/46kZvGp

TikTok: https://bit.ly/3PSbK7U

YouTube: https://bit.ly/3rsKxPG

-----

CONTACT US

hello@rykercapital.com.au

Client Enquiries: 1300 179 537

Careers & Press: 1300 179 537

-----

TIME STAMPS:

00:00 Intro/Hook

01:36 Pay less tax legally in Austalia

03:00 Progressive Tax System and Tax Brackets

07:25 Difference between Sole Trader and a PAYG

10:09 Tax Deductions and Their Application

16:51 Tax Strategies for Businesses

23:23 Trusts and Tax Planning

29:17 Capital Gains and Tax Harvesting

32:01 Risky Tax Strategies and Client Examples

41:25 Tax Planning for Part IVA and Bankruptcy

43:34 Conclusion/Outro

-----

DISCLAIMER

The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

Want to learn how our proven wealth-building strategies can help you create lasting financial security? Book a FREE consultation today: https://subscribepage.io/BookAConsult

-----

In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey to tackle one of the biggest questions Australians face: what really happens to your super when you retire?

They unpack the difference between the accumulation and pension phases, the tax advantages of each, and why transitioning into retirement often matters more than the retirement date itself. You’ll discover how contribution caps work (and why exceeding them can trigger a 45% tax bill), the hidden insurance risks of rolling over your super without advice, and how Transition to Retirement (TTR) strategies can help you cut back on work without cutting back your lifestyle.

The team also busts myths about the age pension, explains how your assets and income affect eligibility, and shows how even small, smart moves early in your career can add hundreds of thousands to your retirement balance. Packed with relatable client stories, easy-to-follow analogies, and practical strategies, this episode proves super is far more than a savings account, it’s the engine that powers your future lifestyle.

If you want to make the most of your super, avoid costly mistakes, and create income you can rely on for life, this is the episode for you.

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SHOW NOTES LINKS

https://www.linkedin.com/in/dean-desoukey/

https://www.linkedin.com/in/jackoineza/

https://www.linkedin.com/in/malissa-vourakis-79066a67/

https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/

-----

LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3qJL8w4

Apple Podcast: https://apple.co/3QPF3ch

Amazon Music: https://amzn.to/3YMZjgD

-----

FIND US HERE

Facebook: https://bit.ly/3RsO5Mr

LinkedIn: https://bit.ly/3Rs0Qah

Instagram: https://bit.ly/46kZvGp

TikTok: https://bit.ly/3PSbK7U

YouTube: https://bit.ly/3rsKxPG

-----

CONTACT US

hello@rykercapital.com.au

Client Enquiries: 1300 179 537

Careers & Press: 1300 179 537

-----

TIME STAMPS:

00:00 – Intro

00:51 – Practical Insights for Different Life Stages

03:20 – Understanding Super Accumulation and Pension Phases

06:56 – Tax Implications of Super in Accumulation vs Pension Phase

10:18 – Contribution Limits and Avoiding Excess Contribution