Rodney The Rhino - ADHD Wealth Coach & Mortgage Broker

22/07/2026

Pragmatic Purchaser

Rahul was amazing to work with as a first home buyer.

Sure he had lots and lots of questions, which is pretty typical for an IT Engineer but he also made sure he did everything we asked of him, to help him buy his first home.

Most notably, despite his strong income, deposit and credit file, Rahul was still a single applicant, and as such, had a single applicants borrowing capacity.

This meant, that in order to buy a home within his purchasing power, he had to move further away, than he had originally desired.

But he did it. He asked what his purchasing power was, and went to work looking for a property that suited his needs within that price bracket.

Too many people, have missed out on buying a home in the last 2-3 years, because they couldn't see past wanting to buy in very specific area's.

Your first home is unlikely, to be your forever home, or dream home. Just buy whatever you can to take that GIANT first step on the home ownership ladder.

09/07/2026

Medicated vs Unmedicated ADHD

When I first started my adhd medication journey, my wife asked me what changes I was noticing.

For me, the first analogy was really simple.

It was as though my brain was a big bowl of peanut m and m's and my meds, had taken the bowl and colour sorted them.

It was the same bowl of peanut m and m's but now, I could actively choose which colour I consumed, and also choose, when to switch to a whole different one.

I became more able to prioritise tasks, and time block them. I also became more aware of events that caused context switching for me, and create an environment where this context switching could be limited, within the scope of my required daily activities.

Once, I learned that I could have control over my daily contexts, then I just needed to unlearn a whole bunch of habits, I'd spent a lifetime building.

02/07/2026

Me: I'm using AI to build tools that help me bridge the ADHD gap between my strengths and challenges.

Also me:

16/06/2026

ADHD Impulse Control

If your ADHD lack of impulse control shows up in your finances, it usually means you're constantly juggling lots of debts, from multiple credit cards, car loans, the personal loan for last years overseas adventure etc etc etc.

There are lots of ways to get those debts under control.

Debt consolidation is the most commonly spoken about.

It won't stop the impulsive spending, but it may help you manage the stress of juggling all the payments while you're getting help with the cause.

If you need help getting all your debts back under control, hit me up in my DM's.

Let's map out a strategy that works for your life and financial goals.

03/06/2026

First Home Buyers Win

If you're an inner city first home buyer, with strong incomes, and limited deposit, the recent federal budget, just handed you a free kick that very few people seem to be talking about.

That free kick is the level of competition that has been removed from the buyer pool. And it has removed two very motivated groups from your market, while creating increased opportunity in a very specific bracket.

That bracket is:
- established homes
- >$1m

The changes around negative gearing, and the capital gains discount, means that investors are being pushed to buy new properties.

And of course, in Brisbane, participants in the First Home Guarantee Scheme, are limited to dwellings under $1,000,000.

That means, the pressure in the established home bracket above $1,000,000 has all but disappeared.

And given that the median dwelling price in Brisbane is now over $1.1m, this gives power back in the buying process for inner city first home buyers on strong income, but have lower deposits due to higher costs of living.

Sadly, it means giving up access to the government schemes, but it does mean you should be able to buy more home for your money.

Here's an example:

Consider a first home buyer couple with salaries of $120,000/p.a and $140,000. They've cleared their HECS debts, and have closed their credit cards, as part of a strategy to maximise their borrowing capacity.

They pay $250/mth for Private Health cover, but other than that, their expenses are fairly standard for a couple living in a suburb such as New Farm.

This couple could buy a home to $1,250,000 with a deposit of $100,000. And they would do it with a Deposit Boost Loan.

Here's how it works:

$1,250,000 - Purchase Price

$1,230,350 - Total Loan includes:
- $1,000,000 - 80% LVR Loan
- $ 230,350 - 18.43% Deposit Boost Loan
*includes Low Deposit fee of $27,500

Funds required:
-$45,225 - Qld Stamp Duty
-$ 5,125 - Transfer & Mortgage Registration
-$ 2,500 - Average Conveyancer Fees
-$47,150 - Deposit & Funds to Complete

$100,000 - Total Buyer Contribution

None of this comes cheap of course with a combined interest rate for the two loans of 6.55% and monthly repayments of $8,644 but how much longer are you willing to wait to buy your first home in a market, that despite expected short term slowing, looks to continue to get even more expensive?

11/05/2026

What is Debt Recycling?

Debt recycling is a strategy used by Australian homeowners to convert non-deductible debt (like a home loan) into tax-deductible debt (investment debt).

Debt Recycling answers the age old question, should I invest now, or pay off my home loan first. With Debt Recycling, you can do both at the same time.

Instead of just paying down a mortgage with surplus cash, you use that cash to pay down the non-deductible home loan and then, you redraw that equity to invest in income-producing assets like shares or property. Because the new debt is used for investing, the interest generally becomes tax-deductible, effectively turning "bad debt" into "good debt".

How the Process Works
1. Build Equity: Pay down your home loan using all available cashflow you can.

2. Split the Loan: Create a separate loan split or sub-account within your mortgage. Set the total loan limit at the lesser of, 80% of your home value, your maximum borrowing capacity, or a lesser amount if you don’t yet feel completely comfortable. You can always increase this later.

3. Redraw to Invest: Draw funds out of the new investment split and, with the assistance of your financial advisers, use them to purchase income-producing assets such as ETF’s, Shares or investment property.

4. Recycle Returns: Direct all investment income (dividends, rent) and any tax savings, on top of your regular repayments, into the non-deductible portion of your home loan to accelerate the debt elimination cycle.

5. Rinse and Repeat: Every year, review your debt, equity and asset positions position with your broker, financial planner and accountant. Continue the cycle until your non-deductible home loan is eliminated and replaced by tax-deductible investment debt.

To create a nice balance between wealth and life building, you might consider using 75% of each year’s equity gain for increased investment, and the other 25% towards building the part of life that matters to you. This will mean something different for everybody. For some, it will be an overseas holiday, or new car, while for others it might be, going back to school or starting a family.

• Professional Eco-System: At minimum, the three people you should speak to before implementing a debt recycling strategy are: your financial planner and accountant to assess suitability against the goals you have, and a mortgage broker who actually understands all the risks, benefits and systems required to make debt recycling work. Debt recycling, is not a set and forget strategy. And it is most definitely not for everyone, despite what some social media influencers try to tell you.

30/04/2026

16/04/2026

4am morning walk by the river with my little one.

14/04/2026

Gamified Growth

As a debt recycling specialist, back in my financial planning days, annual reviews with my clients was always the most fun part of what I did.

Client's who did the hard work to build their net wealth, should reap the rewards of those efforts.

Not just in the future, when they're ready to retire, because not everyone gets to, but also, rewards for hitting milestones.

Of course, that doesn't mean you should burn up all your future for short term pleasure either.

In your next annual review with your broker, don't just discuss rates and repayments, have a look at all the opportunities, that equity growth offers you and consider, how to maximise the benefits that makes the most sense, in the current context of your life.

- Is now, the right time to upgrade from your first home, to something bigger, with more room for kids or entertaining;
- If, you're considering investing, is there enough equity to fund, an overseas adventure, at the same time;
- Or, if you have the space, could you build a granny flat out the back, so your spouse can have their parents, close by, without having your mother in-law sitting at your kitchen table, every morning when you get out of bed.

The options are myriad, and when talking to your broker about your home loan and your growing equity, they should also consider the long term goals you've established with your financial planner.

Your mortgage broker and financial planner, both work for you. Have them collaborate to help you win.