Why do so many smart, high-income Australians still feel financially stretched despite earning more than ever?

In this episode of Get Invested, Bushy Martin is joined by former engineer, finance professional and Magnetic Money creator Miriam Castilla to explore the hidden behaviours that ultimately determine whether an investment strategy succeeds or fails.

As Bushy’s Property W.E.A.L.T.H. Clock moves from E for Examine into A for Approach, the focus shifts away from assets, lending and locations, and onto the one factor every investor takes with them into every decision: themselves.

Miriam explains why more money doesn’t solve financial problems, it simply magnifies the habits already there. Together, she and Bushy unpack the three Money Habit Archetypes—Overextender, Spender and Accumulator—and reveal how each can quietly shape the way we save, borrow, invest and respond when life inevitably gets messy.

The conversation also challenges one of the biggest misconceptions in property investing: that borrowing capacity equals investing capacity. While a lender can calculate what you can borrow, only you can determine whether you have the behavioural capacity to stick to the plan, protect your buffers and hold quality assets through uncertainty.

You’ll discover why emotional regulation is one of the most overlooked investing skills, how unconscious money stories influence everyday decisions, why every dollar needs a defined purpose, and how Miriam’s practical five-minute weekly money rhythm creates a financial system that’s both sustainable and enjoyable.

If you’re preparing to invest, or wondering why you’ve struggled to stay consistent in the past, this episode lays the behavioural foundation for a strategy you can actually live.

In this episode you’ll learn:
Why more money amplifies existing financial behaviours rather than fixing them.
The three Money Habit Archetypes—and how to recognise your own.
The difference between borrowing capacity and behavioural capacity.
Why emotional decisions quietly derail long-term wealth creation.
How to give every dollar a clear job and build effective money buckets.
Why focusing on one financial priority creates greater progress than chasing several at once.
Miriam’s simple five-minute weekly money rhythm for staying on track.
Why sustainable wealth is built through consistent systems, not willpower.

This episode marks the beginning of the Approach stage of Bushy’s Property W.E.A.L.T.H. Clock, reminding us that before you choose the property, lender or strategy, you need to understand the person who will execute it.

Because your strategy will never outperform the person behind it.

Connect with Miriam here: https://www.miriamcastilla.com

FREE PROPERTY INVESTOR’S FIELD GUIDE

How Should I Invest In Property Now?

After months of post-Budget analysis, modelling and conversations with investors around Australia, Bushy has distilled the key insights into a practical guide designed to help you cut through the confusion and identify the opportunities that still exist for strategic property investors.

Download your free copy here: https://bushymartin.com.au/fieldguide

Take the next step with Bushy

Personal Solutions Session

Get clarity and personalised guidance: Book now

Property W.E.A.L.T.H Program - live now!

Be first to access discounts + free Module 1: Find out more https://courses.bushymartin.com.au/property-wealth

Find your Freedom Formula

Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour!

Find out more https://bushymartin.com.au/freedom-formula-course

Subscribe to Property Hub for free now on your favourite podcast player.

Take the next step - connect, engage and get more insights with theProperty Hub community atlinktr.ee/propertyhubau

Get property investment and wealth resources, and book a Personal Solution Session with Bushy.

All the links and info are here: linktr.ee/propertyhubau

About Get Invested, a Property Hub show

Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full ‘self, health and wealth’ potential.

Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them.

Subscribe now on  Apple Podcasts, Spotify and YouTube to get every Get Invested episode each week for free.

For business enquiries, email andrew@apiromarketing.com.

This content provides general information only and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

Why do so many smart, high-income Australians still feel financially stretched despite earning more than ever?
In this episode of Get Invested, Bushy Martin is joined by former engineer, finance professional and Magnetic Money creator Miriam Castilla to explore the hidden behaviours that ultimately determine whether an investment strategy succeeds or fails.
As Bushy&rsquo;s Property W.E.A.L.T.H. Clock moves from E for Examine into A for Approach, the focus shifts away from assets, lending and locations, and onto the one factor every investor takes with them into every decision: themselves.
Miriam explains why more money doesn&rsquo;t solve financial problems, it simply magnifies the habits already there. Together, she and Bushy unpack the three Money Habit Archetypes&mdash;Overextender, Spender and Accumulator&mdash;and reveal how each can quietly shape the way we save, borrow, invest and respond when life inevitably gets messy.
The conversation also challenges one of the biggest misconceptions in property investing: that borrowing capacity equals investing capacity. While a lender can calculate what you can borrow, only you can determine whether you have the behavioural capacity to stick to the plan, protect your buffers and hold quality assets through uncertainty.
You&rsquo;ll discover why emotional regulation is one of the most overlooked investing skills, how unconscious money stories influence everyday decisions, why every dollar needs a defined purpose, and how Miriam&rsquo;s practical five-minute weekly money rhythm creates a financial system that&rsquo;s both sustainable and enjoyable.
If you&rsquo;re preparing to invest, or wondering why you&rsquo;ve struggled to stay consistent in the past, this episode lays the behavioural foundation for a strategy you can actually live.
In this episode you&rsquo;ll learn:
<ul>
<li>Why more money amplifies existing financial behaviours rather than fixing them.</li>
<li>The three Money Habit Archetypes&mdash;and how to recognise your own.</li>
<li>The difference between borrowing capacity and behavioural capacity.</li>
<li>Why emotional decisions quietly derail long-term wealth creation.</li>
<li>How to give every dollar a clear job and build effective money buckets.</li>
<li>Why focusing on one financial priority creates greater progress than chasing several at once.</li>
<li>Miriam&rsquo;s simple five-minute weekly money rhythm for staying on track.</li>
<li>Why sustainable wealth is built through consistent systems, not willpower.</li>
</ul>
This episode marks the beginning of the Approach stage of Bushy&rsquo;s Property W.E.A.L.T.H. Clock, reminding us that before you choose the property, lender or strategy, you need to understand the person who will execute it.
Because your strategy will never outperform the person behind it.
Connect with Miriam here: <a href="https://www.miriamcastilla.com">https://www.miriamcastilla.com</a>
FREE PROPERTY INVESTOR&rsquo;S FIELD GUIDE
How Should I Invest In Property Now?
After months of post-Budget analysis, modelling and conversations with investors around Australia, Bushy has distilled the key insights into a practical guide designed to help you cut through the confusion and identify the opportunities that still exist for strategic property investors.
Download your free copy here: https://bushymartin.com.au/fieldguide
Take the next step with Bushy
Personal Solutions Session
Get clarity and personalised guidance: <a href="https://app.acuityscheduling.com/schedule.php?owner=12550363&amp;appointmentType=category:Let%27s%20Connect%20you%20with%20Bushy%20Martin%20%28PSS%2FPMS%29">Book now</a>
Property W.E.A.L.T.H Program - live now!
Be first to access discounts + free Module 1: <a href="https://courses.bushymartin.com.au/property-wealth">Find out more</a> https://courses.bushymartin.com.au/property-wealth
Find your Freedom Formula
Success in property starts with your 'why', and then the 'what' and 'how'. Let me, Bushy Martin, lead you through it! Sign up for my Freedom Formula program. The first session is absolutely free, and it only takes around an hour!
<a href="https://bushymartin.com.au/freedom-formula-course">Find out more</a>&nbsp;<a href="https://bushymartin.com.au/freedom-formula-course">https://bushymartin.com.au/freedom-formula-course</a>
Subscribe to Property Hub for free now on your favourite podcast player.
Take the next step - connect, engage and get more insights with the<a href="https://linktr.ee/propertyhubau"> Property Hub</a> community at<a href="https://linktr.ee/propertyhubau"> linktr.ee/propertyhubau</a>
Get property investment and wealth resources, and book a <a href="https://knowhowgroup.as.me/schedule/c660dda5/appointment/24325294/calendar/675356?appointmentTypeIds%5B%5D=24325294">Personal Solution Session</a> with Bushy.
All the links and info are here:<a href="https://linktr.ee/propertyhubau"> linktr.ee/propertyhubau</a>
About Get Invested, a Property Hub show
Get Invested is the leading weekly podcast for Australians who want to learn how to unlock their full &lsquo;self, health and wealth&rsquo; potential.
Hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia&rsquo;s most trusted experts in property, investment and lifestyle, Get Invested reveals the secrets of the high performers who invest for success in every aspect of their lives and the world around them.
Subscribe now on <a href="https://podcasts.apple.com/au/podcast/get-invested/id1363808121"> Apple Podcasts</a>,<a href="https://open.spotify.com/show/1mKuLEYZNG1jS8TMGStM0P"> Spotify</a> and<a href="https://www.youtube.com/channel/UCxTBfhLIAHCwgQUROmQBaDw"> YouTube</a> to get every Get Invested episode each week for free.
For business enquiries, email <a href="mailto:andrew@apiromarketing.com">andrew@apiromarketing.com</a>.
This content provides general information only and has been prepared without taking into account your objectives, financial situation or needs. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances.

Property Hub is your home for property investment insights, inspiration and stories from Australia’s top property experts, investors, leaders and analysts. Created by top property investment commentators Bushy Martin and Kevin Turner, Property Hub brings together two of Australia’s most popular weekly podcasts for property investors under one roof, RealtyTalk and Get Invested.  RealtyTalk is your trusted voice in property investment and Australia’s most popular online property show. ​​Get the latest, red hot property investing news and insights direct from Australia’s property industry leaders and influencers every week. Get Invested is the leading podcast for Australians who want to unlock their full ‘self, health and wealth’ potential. You’ll hear the inspiring stories, practical know-how and lessons learned from some of the country’s most successful property investors, founders and entrepreneurs who not only invest well, but live by design.  Both shows are hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle. Subscribe to Property Hub on your favourite podcast player, and get two powerful episodes delivered to you each week. More Realty Talk episodes and info: https://linktr.ee/propertyhubau  More Get Invested episodes and info: https://bushymartin.com.au/podcasts Property Hub is a collaboration between Bushy Martin from KnowHow Property, Kevin Turner from Realty, Andrew Montesi from Apiro Marketing and Apiro Media, and Australia’s largest independent podcast network DM Media.  Business and partnership enquiries: podcasts@dm.org.au

Property Hub is your home for property investment insights, inspiration and stories from Australia’s top property experts, investors, leaders and analysts. Created by top property investment commentators Bushy Martin and Kevin Turner, Property Hub brings together two of Australia’s most popular weekly podcasts for property investors under one roof, RealtyTalk and Get Invested.  RealtyTalk is your trusted voice in property investment and Australia’s most popular online property show. ​​Get the latest, red hot property investing news and insights direct from Australia’s property industry leaders and influencers every week. Get Invested is the leading podcast for Australians who want to unlock their full ‘self, health and wealth’ potential. You’ll hear the inspiring stories, practical know-how and lessons learned from some of the country’s most successful property investors, founders and entrepreneurs who not only invest well, but live by design.  Both shows are hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle. Subscribe to Property Hub on your favourite podcast player, and get two powerful episodes delivered to you each week. More Realty Talk episodes and info: <a href="https://linktr.ee/propertyhubau">https://linktr.ee/propertyhubau</a>  More Get Invested episodes and info: https://bushymartin.com.au/podcasts Property Hub is a collaboration between Bushy Martin from KnowHow Property, Kevin Turner from Realty, Andrew Montesi from Apiro Marketing and Apiro Media, and Australia’s largest independent podcast network DM Media.  Business and partnership enquiries: podcasts@dm.org.au

Self, Health and Wealth Interviews, Insights & Stories

Property Hub - Investment Insights & Inspiration

Property Hub is your home for property investment insights, inspiration and stories from Australia’s top property experts, investors, leaders and analysts.
Created by top property investment commentators Bushy Martin and Kevin Turner, Property Hub brings together two of Australia’s most popular weekly podcasts for property investors under one roof, RealtyTalk and Get Invested. 

RealtyTalk is your trusted voice in property investment and Australia’s most popular online property show. ​​Get the latest, red hot property investing news and insights direct from Australia’s property industry leaders and influencers every week.

Get Invested is the leading podcast for Australians who want to unlock their full ‘self, health and wealth’ potential. You’ll hear the inspiring stories, practical know-how and lessons learned from some of the country’s most successful property investors, founders and entrepreneurs who not only invest well, but live by design. 

Both shows are hosted by Bushy Martin, an award winning property investor, founder, author and media commentator who is recognised as one of Australia’s most trusted experts in property, investment and lifestyle.

Subscribe to Property Hub on your favourite podcast player, and get two powerful episodes delivered to you each week.

More Realty Talk episodes and info: https://channels.realty.com.au/realtytalk/

More Get Invested episodes and info: https://bushymartin.com.au/podcasts

Property Hub is a collaboration between Bushy Martin from KnowHow Property, Kevin Turner from Realty, Andrew Montesi from Apiro Marketing and Apiro Media, and Australia’s largest independent podcast network DM Media. 

Business and partnership enquiries: antony@dm.org.au