A Wealthy Life

In this thought-provoking episode of A Wealthy Life, Vicki Wusche tackles the growing impact of Artificial Intelligence on the workforce and our financial security. With the rapid rise of AI applications and automation, Vicki explores the social, economic, and personal risks ahead, and most importantly, how to proactively prepare by creating a second, AI-proof income stream. This isn't just about the future of work; it's about your future.   Vicki Wusche is a property investor, mentor, and host of A Wealthy Life podcast. With decades of experience in both financial education and real estate, Vicki empowers people to take control of their wealth and future. Known for her clear-eyed perspective and strategic advice, she combines practical property investing with thoughtful life planning, especially in a world being reshaped by emerging technologies like AI.   Expect to Learn: Why AI could lead to unprecedented unemployment rates across the UK and beyond. How the loss of jobs will impact tax revenues, benefits systems, and mental health. What the UK government is (and isn't) doing to prepare for the AI revolution. The long-term economic risks of inaction and the opportunities in property investment. How to build a second, reliable income stream that's AI-resistant and future-proof.   Episode Breakdown with Timestamps: [00:00] - Introduction [02:10] - AI's Threat to Jobs [07:54] - AI and exponential changes [09:27] - AI: an unstoppable event [13:39] - Shaping the impact of technical progress [15:30] - Impact of unemployment on different age groups [22:17] - AI affecting Transport, Media, and Finance Jobs [27:07] - AI-Proof Careers & the Role of Property [30:10] - Property as a Lifeline: Escape The 9-5. [30:53] - How to Take Action Now: Courses, strategies, and support Vicki offers   1. ONS (Office for National Statistics)estimates that up to 1.5 million jobs in England alone are at high risk of automation Business Connect MagazineOnrec  2. IPPR (Institute for Public Policy Research)warns that in a worst-case "second wave" of AI adoption, up to 8 million UK jobs could be displaced—especially in entry-level, part-time, and administrative roles. Women and younger workers are particularly vulnerable The Guardian  3. Income Tax in (2024–25) Amounting to approximately £305 billion in Income Tax during the 2024–25 financial year. Research Briefings  National Insurance Contributions (NICs) (2024–25) NICs brought in around £171 billion in the same period (2024–25). Research Briefings  Transport & Logistics: PwC's earlier analysis (2018) estimated that, after adjusting for real-world barriers, up to 40% of jobs in transportation and storage could be affected by automation over two decades PwC.  Finance, Law & Media: A 2025 Deloitte study found that 37% of roles in these sectors may face partial or complete automation SQ Magazine  Accounting: Around 25% of chartered and certified accountant jobs in the UK are at high risk of automation according to ONS figures The AI Journal.  Back-office & Administrative Roles: IPPR highlights these as among the first to be disrupted by generative AI—e.g., scheduling, database work IPPR The Guardian. University of Georgia study - https://news.uga.edu/planning-for-ai-in-workforce/ Escape the 9-5 through property - A complete course by Vicki Wusche: https://bit.ly/EscapeThe9-5NOW  NRLA: Click here and use this code, and earn £15 off your first year's membership fee https://www.nrla.org.uk/join  code GNW-196   Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard  Join WLC: https://bit.ly/Join-WLC  Smart Investing course: https://bit.ly/Smart-WUG   Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8  

In this episode of the  A Wealthy Life Podcast, Vicki Wusche explores a common question asked by property investors: Houses vs Flats. With over 22 years of experience in property investing, Vicki breaks down the key factors that make family homes more profitable and less time-intensive compared to flats, helping you understand how to build calm, consistent cash flow through property investments. If you're looking to get into property investing or optimise your current portfolio, this episode is packed with valuable insights.   Vicki Wusche is a seasoned property investor and mentor with over two decades of experience in the industry. She specialises in helping investors build profitable property portfolios and achieve financial freedom through long-term, low-maintenance investments. As the host of the A Wealthy Life Podcast, Vicki shares her expertise on smart property investing, effective management strategies, and how to avoid common pitfalls in the property market. Expect to Learn: The key differences between investing in houses vs flats, and why family homes are often the best option for consistent cash flow. How to calculate cash flow accurately and avoid getting caught up in glossy marketing that doesn't reflect true profitability. Pitfalls to avoid when buying flats, such as off-plan seduction and high maintenance costs. The importance of location and how to find the right areas for investment that align with both your time and financial goals. How property investing is a business, and why strong management and reliable tenants are crucial to success.   Episode Breakdown with Timestamps: [00:00] - Introduction to Property Investment. [02:56] - Houses vs. Flats [05:04] - Understanding Leasehold vs. Freehold [10:40] - Flats vs. Family Homes [16:52] - Attracting long-term tenants [25:54] - Avoiding Marketing before the Maths [27:29] - Following New Legislation [30:33] - Best Property Investment [42:34] - Don't Be Gullible: Lessons from Early Property Investments  [45:49] - Three Tips from Vicki [47:11] - Final Tips and Takeaways   Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8 Escape the 9-5 through property - A complete course by Vicki Wusche: https://bit.ly/EscapeThe9-5NOW  NRLA: Click here and use this code, and earn £15 off your first year's membership fee https://www.nrla.org.uk/join  code GNW-196  

In this episode of A Wealthy Life, Vicki Wusche discusses the ever-changing landscape of the property market and the steps landlords must take to adapt and thrive. From rising energy performance standards to new legislation, Vicki provides key insights on how to professionalise your property business, serve tenants better, and achieve resilient returns. Whether you're a seasoned landlord or new to property investment, this episode will arm you with the tools you need to succeed in a fast-evolving market.   Vicki Wusche is an experienced property investor and mentor at A Wealthy Life Podcast, known for her no-nonsense approach to building profitable property portfolios. With years of experience in both managing and advising on property investments, Vicki shares her expertise on how to adapt to new market demands, the impact of changing legislation, and the importance of treating property investment as a business, not a hobby. Her guidance helps landlords achieve consistent, long-term success.   Expect to Learn: How professional landlords are adapting to changing market conditions and legislative updates, and why this is key to long-term success. Why property yields are outperforming other forms of investment, like gilts, and how to take advantage of this. The implications of the Renters Reform Act for landlords and tenants, and what steps you must take to comply. How to prepare your property for the upcoming energy performance regulations (MEES), and why it's crucial to act now. Why buy-to-let still makes sense despite challenges, and how to structure your portfolio for ongoing cash flow.  Episode Breakdown with Timestamps: [00:00] - Introduction [04:24] - Renters Reform Act [05:02] - Invest in Family Homes [06:00] - Join NRLA and WLC [10:15] - Evolution of Property Energy Ratings: From HIPs to EPCs to MEES [11:54] - Financial Grounds [13:14] -The Buy-to-Let Market [15:13] -Three Whooshes [17:47] -Three Quick Things to do  [18:22] - Building a Resilient Property Business: Book a Call    ESCAPE 9-5 on YT: https://bit.ly/EscapeThe9-5NOW Join the Wealthy Life Community: https://bit.ly/Join-WLC Discounted link to NRLA: – save money and get connected – use code GNW-196 for £15 discount. https://www.nrla.org.uk/join   Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8  

In this episode of A Wealthy Life, host Vicki Wusche discusses how property can help you move from being salary-dependent to becoming boss optional. It's not about quitting your job overnight; it's about creating a calm, structured transition into financial freedom. Through her proven REACT model, Vicki explains how to take control of your finances, build resilience, and start generating a second income through property investment.   Vicki Wusche is a UK property investor, wealth strategist, and author who helps professionals build financial independence through smart property investment, effective leverage, and strategic planning.   Expect to Learn Why one income is a single point of vulnerability How to create a steady second stream of monthly cash flow How to use the REACT model: Re-evaluate, Explore, Approach, Choose, and Take Action What your Freedom Number is and how to calculate it How to leverage your money through mortgages and your time through outsourcing Why family buy-to-lets are ideal for stable, low-effort returns How to design a work-optional transition plan for long-term freedom   Episode Breakdown with Timestamps [00:00] - Introduction: How property can help you sack the boss and create a calm transition plan [01:36] - Freedom Number: Understanding how much is enough to cover your monthly expenses [05:17] - The REACT Model: Re-evaluating your finances and exploring investment options [08:53] - Property Investment: Why family buy-to-lets offer steady income and financial stability [11:09] - Setting Goals: Defining target returns and building long-term financial security [14:53] - Leveraging Money: Using mortgages and smart finance to multiply your results [19:20] - Managing Risks: Fixed vs. variable rates and building contingencies [23:17] - Leveraging Time: Delegating through letting agents, brokers, and mentors [28:29] - Scaling Up: Moving from simple buy-to-lets to advanced strategies [30:45] - Work Optional Life: Transitioning to part-time work and financial independence [32:15] - Financial Resilience: Building buffers, reviews, and growth plans [37:16] - Three Core Lessons: Create parallel income, know your "enough," and use leverage wisely   Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8 Escape the 9-5 through property - A complete course by Vicki Wusche: https://youtu.be/wbq4Hh19bac NRLA: Click here and use this code, and earn £15 off your first year's membership fee https://www.nrla.org.uk/account/referrals code GNW-196

In this episode of A Wealthy Life, Vicki Wusche sits down with Jason Graystone to explore what it truly takes to escape the nine-to-five, not just financially, but emotionally and mentally. The discussion centres on mindset, career transitions, financial planning, and aligning your life with personal values. Jason shares his real-world journey from electrician to entrepreneur and investor, offering insight into how anyone can create a life on their own terms.   Jason is a self-made entrepreneur and financial educator who achieved financial independence by the age of 29. Beginning his career as an electrician, he built a thriving business, mastered investing and trading, and founded Always Free, a platform dedicated to teaching people how to reclaim their time and freedom. Jason's story is one of grit, vision, and practical self-education.   Expect to Learn How Jason transformed his career and finances by age 29 The importance of aligning financial decisions with personal values What it feels like to be in the "lonely middle" of financial transformation Simple, actionable steps to transition from a job to your own business or investment path Why understanding spreadsheets and conscious spending can change your financial future Episode Breakdown with Timestamps [00:00] - Introduction. [01:52] - Leaving school at 22 [09:56] - How early did you know it would end? [24:49] - Conscious and Unconscious Consumerism [26:22] - Learn a Skill [31:01] - Wealthy Mindset [34:29] - First asset is knowledge/income/equity [38:05] - Single parenting and Financial stress [44:11] - Transitions every 3 to 5 years [48:40] - First sideways in property [53:23] - Define your Wealthy Life   Follow Umduduzi https://umduduzi.co.za/ https://www.linkedin.com/company/umduduzi-hospice-care-for-children/ https://www.instagram.com/umduduzihospice/ https://www.facebook.com/Umduduzihospice/ Donate to Umduduzi https://umduduzi.co.za/cause/donate-to-umduduzi/   Link to Episode 144:  YouTube: https://youtu.be/XciyeDvchA4  Apple Podcast: https://podcasts.apple.com/nz/podcast/ep-144-assisted-dying-compassion-controversy-and/id1617293196?i=1000678483223  Spotify: https://open.spotify.com/episode/3ndg42IXqXKpU2vUAzwSfx?si=iav96tFhSnm05tcsrwL4yQ    Link to Episode 190:  YouTube: https://youtu.be/0LsmPkJBmsc  Apple Podcast: https://podcasts.apple.com/nz/podcast/the-truth-about-every-uk-homeowner-having-a/id1617293196?i=1000732095860  Spotify: https://open.spotify.com/episode/3zJkKPRr5PBcEF21YAUHDH?si=r9l1qDnRQ3OoHVb_pkZGXw   Link to Episode 191:  YouTube: https://youtu.be/IUB7lIIS6Sc  Apple Podcast:https://podcasts.apple.com/nz/podcast/how-early-diversification-in-property-kills-cashflow/id1617293196?i=1000733088607  Spotify: https://open.spotify.com/episode/0V6SLrB2nbo1zMjdn57hMa?si=TW667VLOQdiR43f_FgdgPQ Follow the Guest Jason:  LinkedIn: https://www.linkedin.com/in/jasongraystone/ Website 1: https://www.alwaysfreepodcast.com/  Website 2: https://www.alwaysfree.com/ X: https://x.com/JasonGraystone  Instagram: https://www.instagram.com/j_graystone/?hl=en  Freedom Scorecard: https://wealthdiscoverytiersoffreedom.scoreapp.com/     Listening Links: Apple podcast: https://podcasts.apple.com/gb/podcast/always-free/id1457532367  YouTube: https://www.youtube.com/c/JasonGraystone  Spotify: https://open.spotify.com/show/54OqjZvKkcjxOabUSquVKU    Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8

In this episode of A Wealthy Life, Vicki Wusche gets interviewed by Jason Graystone, property expert and author, to discuss the importance of diversification within property investment. Vicki explains the different ways to diversify, from location to property types, and shares her personal experiences managing her own portfolio. She also highlights the pros and cons of various strategies, such as buy-to-let properties, HMOs, and Airbnb. If you're considering property investment or looking to grow your portfolio, this episode offers valuable insights.   Vicki Wusche is an experienced property investor and educator, and creator of, A Wealthy Life podcast. With a strategic approach to property, she focuses on building a diversified portfolio to generate long-term wealth. Vicki helps others navigate the complexities of property investment, balancing time, risk, and reward while staying true to their goals and values.   Expect to Learn The different types of diversification in property investment How to balance time, money, and effort when diversifying your portfolio Vicki's experience with HMOs and buy-to-let properties Why timing the market in property is often overrated Tips on managing rental income and cash flow How to scale your portfolio and achieve long-term success Episode Breakdown with Timestamps [00:00] - Introduction [04:53] - Time diversifications in the property market [06:57] - Vicki's recommendation for HMO or flat [08:47] - Deciding between flipping houses, buy-to-let, and other strategies [09:21] - The "little brick bank" strategy and avoiding remortgaging [14:12] - Strategies to increase cash flow [17:05] - Keeping tenant types simple for smoother operations [19:00] - Freehold vs. leasehold properties: what investors should consider [22:58] - Vicki's three key tips for successful diversification [25:54] - Not too quick, not too far   Follow the Guest Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8    Follow the Host Jason:  LinkedIn: https://www.linkedin.com/in/jasongraystone/ Website 1: https://www.alwaysfreepodcast.com/  Website 2: https://www.alwaysfree.com/ X: https://x.com/JasonGraystone  Instagram: https://www.instagram.com/j_graystone/?hl=en  Freedom Scorecard: https://wealthdiscoverytiersoffreedom.scoreapp.com/     Listening Links: Apple podcast: https://podcasts.apple.com/gb/podcast/always-free/id1457532367  YouTube: https://www.youtube.com/c/JasonGraystone  Spotify: https://open.spotify.com/show/54OqjZvKkcjxOabUSquVKU

In this solo episode of A Wealthy Life, Vicki Wusche tackles one of the most emotionally charged narratives in the media, hatred towards landlords. She unpacks the history of land ownership, media bias, and modern misconceptions about property investors. Far from defending bad landlords, Vicki reframes the conversation to explore why property ownership is crucial to achieving long-term financial security and why landlords aren't the villains they're made out to be.   Vicki Wusche, property strategist, author, and creator of A Wealthy Life podcast, delivers a monologue challenging public perception and encouraging listeners to rethink their view of wealth creation through property investment.   Expect to Learn Why hatred toward landlords is rooted in history and media manipulation How the structure of land ownership has evolved over centuries The different "landlords" in your life, even if you own your home Why property remains one of the most effective long-term wealth strategies How leveraging assets like real estate can fund retirement or education   Episode Breakdown with Timestamps [00:00] - Introduction [03:54] - Who are the modern landlords? Councils, corporations, and mortgage lenders [07:36] - Property for the next generation [10:05] - How wages and lending affect property value and access [13:32] - Responsibilities of landlords: costs, maintenance, and taxes [17:45] - How to multiply wealth through property [22:35] - Stop hating your landlords [28:20] - Strategic investing [32:43] - The shifting nature of work   Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8 

In this episode of A Wealthy Life, Vicki Wusche welcomes Jason Graystone, a leading voice in financial independence and the creator of the Always Free movement. They delve into what financial freedom really means, why most people misunderstand investing, and how to design a lifestyle that aligns with your core values, not just your income goals.   Jason Graystone is a trader, investor, and educator who built his wealth from scratch after starting as an electrical engineer. He now helps others achieve financial freedom, not just through money-making tactics, but by understanding how to live purposefully. With years of experience in trading, real estate, and digital content, Jason blends mindset, money, and mission into a framework for living "Always Free."   Expect to Learn Why Bitcoin isn't a reliable source of monthly cash flow and what to consider instead How Jason went from an electrician to a financially free entrepreneur The role of values in building wealth and freedom Why most people chase goals they don't even truly want Jason's layered wealth strategy and how he dynamically adjusts his income streams   Episode Breakdown with Timestamps [00:00] - Introduction to the episode  [06:44] - Where does Jason's money really come from? [08:46] - Jason's early strategy: stocks, swing trading, and building passive income [13:04] - From electrician to entrepreneur [15:23] - Vicki shares her backstory and the drivers behind her success [18:57] - Balancing work, home life, and identity when working from home  [23:21] - Valuing your Partner  [26:44] - How can everybody live a Wealthy lifestyle [37:46] - Vicki reflects on her property journey and the loneliness of success   Follow the Guest Jason:  LinkedIn: https://www.linkedin.com/in/jasongraystone/ Website 1: https://www.alwaysfreepodcast.com/  Website 2: https://www.alwaysfree.com/ X: https://x.com/JasonGraystone  Instagram: https://www.instagram.com/j_graystone/?hl=en  Freedom Scorecard: https://wealthdiscoverytiersoffreedom.scoreapp.com/     Listening Links: Apple podcast: https://podcasts.apple.com/gb/podcast/always-free/id1457532367  YouTube: https://www.youtube.com/c/JasonGraystone  Spotify: https://open.spotify.com/show/54OqjZvKkcjxOabUSquVKU    Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8   

In this episode of A Wealthy Life, Vicki Wusche tackles a common question she is frequently asked, If I were starting out again, what would I invest in? With over 20 years of experience in investing across property, stocks, and cryptocurrency, Vicki shares her personal journey and offers insights into how you can build your own portfolio. From understanding your "why" to looking at different types of investments, Vicki provides valuable advice on making smarter, more informed decisions in your financial journey.   Vicki Wusche is a seasoned investor and educator in property, financial freedom, and wealth creation. With her diverse background, Vicki is passionate about empowering others to make better financial decisions, build their portfolios, and lead a wealthy life. Her goal is to simplify wealth-building strategies and make financial education accessible to everyone.   Expect to Learn How to identify your financial goals: short, medium, and long-term money. The importance of understanding what you want to achieve with your investments. The basics of tax-efficient savings accounts (ISAs) and how they can benefit your portfolio. Insights into various investment options: property, stocks, and crypto. How to leverage your time and money effectively to build a sustainable portfolio. Understanding risk and when to leverage your resources for maximum benefit.  Episode Breakdown with Timestamps: [00:00] - Introduction [02:43] - Exploring short-term, medium-term, and long-term money goals [04:09] - Tax-efficient savings accounts  [07:52] - Exploring the options: Property, crypto, stocks, and other investment opportunities [14:13] - Vicki's experience with shares: What worked, what didn't, and lessons learned [28:57] - Using property to cover fixed expenses and create additional income streams [36:02] - What could you do with 200 pounds a month [38:49] - The importance of finding the right balance between work, life, and investment [41:13] - Focus on "You" Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8

This episode of A Wealthy Life, hosted by Vicki Wusche, dives into the intersections of finance, gender, and empowerment. Vicki is joined by Josephina Smith, Director of Reward at British Airways, for an honest and expansive conversation about how women engage (or often don't) with money, investment, and negotiating pay. The discussion touches on the importance of financial confidence, corporate responsibility in shaping employee well-being, and the social structures that contribute to persistent gender wealth gaps.   Josephina Smith is the Director of Reward at British Airways, where she oversees the design and delivery of pay, benefits, and value systems for thousands of employees. With a focus on equity, well-being, and inclusive support, she is a passionate advocate for closing gender pay and pension gaps and reshaping how corporate environments empower financial literacy and autonomy.    Expect to Learn How financial confidence can be a game-changer for women at all stages of life. Why corporate rewards should go beyond pay to address employee well-being. What systemic issues contribute to the gender pay and pensions gap. How mindset, mentorship, and community support can elevate financial empowerment. Practical ideas for corporate policy changes to support women's financial futures.  Episode Breakdown with Timestamps [00:00] - Introduction [04:17] - Josephina's Role at British Airways and What "Reward" Means [11:11] - How Employers Can Influence Financial and Emotional Well-being [13:44] - Bridging the Gender Pay and Pensions Gap [16:23] -  Barriers to Women's Financial Engagement [18:05] - Why Women Struggle to Negotiate and How That Must Change [23:31] - Are Businesses Empowering Women to be better Money Managers [28:09] - Reverse Mentoring and Learning from Younger Generations [36:30] - What advice would Josephina give to women  [45:40] -  Final Insights: Financial Confidence & Practical Empowerment  Follow the Guest LinkedIn: https://www.linkedin.com/in/josephina-smith-b2b83414/  Company's LinkedIn: https://www.linkedin.com/company/british-airways/  Company's Website: https://www.britishairways.com/  Company's Facebook: https://www.facebook.com/britishairways  Company's Instagram: https://www.instagram.com/british_airways/?hl=en  Company's TikTok: https://www.tiktok.com/@british_airways?lang=en     Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8 

In this episode of A Wealthy Life, host Vicki Wusche speaks with Mary Selwood, a seasoned property developer, co-founder of Belfast Property Meet and Property Success University (PSU), and a passionate mentor for women in property. This episode dives deep into the realities of investing in a male-dominated industry, overcoming fear, and building confidence through knowledge and community. Whether you're just starting out or already navigating your own journey, this episode offers invaluable lessons on resilience, growth, and purpose. Mary Selwood transitioned from a full-time nurse to a full-time property developer and coach. Alongside her husband Chris, she's helped build a thriving investment portfolio and an inspiring community. Mary's unique perspective as a woman in the property industry makes her a powerful role model and mentor.   Expect to Learn: The emotional and financial fears Mary overcame in her early investment days. Why women and men often approach property investing differently, and how to use that to your advantage. The development that changed her life and proved she could do it all. Practical advice for women of any age thinking about property investing. How Mary empowers other women through community and coaching. Episode Breakdown with Timestamps: [00:00] - Introduction [03:01] - Starting from nurse to nervous investor [11:43] - From Buy-to-Let to Big Developments: How Mary's passion grew. [15:35] - Gender Dynamics: How women approach property differently from men. [28:32] - Advice for Women at Any Stage [33:32] - The Smart Women's Ultimate Guide to Money Investing [37:43] - 60 is the New 30 [42:55] -Three Wishes [44:13] - Final Thoughts and planning your wealthy life, inspired by Mary's journey. Follow the Guest Mary: LinkedIn Mary: https://www.linkedin.com/in/mary-selwood-in-ni-23996965/?originalSubdomain=uk  Mary's Facebook: https://www.facebook.com/mary.selwood.5/about  Mary's Instagram: https://www.instagram.com/maryselwoodpropertymentor/  Company's Website: https://www.belfastpropertymeet.com/  Company's Podcast: https://www.belfastpropertymeet.com/property-success-podcast    Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8 

In this episode of A Wealthy Life, host Vicki Wusche sits down with long-time friends and respected property investors Chris and Mary Selwood. From humble beginnings in Belfast to becoming trusted mentors and community leaders, Chris and Mary share their remarkable journey through property investing, financial challenges, and the evolution of mindset and purpose. This episode is more than just property talk,it's a deep dive into resilience, community, and what it really takes to create a life of wealth and meaning. Chris and Mary Selwood are seasoned property investors and the founders of the Belfast Property Meet and Property Success University (PSU). With backgrounds in the Merchant Navy and nursing, respectively, their unexpected journey into property began in 2005 as a pension strategy. Since then, they've built a thriving portfolio, mentored countless aspiring investors, and established a vibrant property community in Northern Ireland.   Expect to Learn: The power of community and values in building a sustainable property business. Mindset is the cornerstone of success in any entrepreneurial journey. How adversity, like being wrongly accused of money laundering, can lead to transformation. The importance of selecting the right partners and building trust in joint ventures. How Chris and Mary split roles and maintain both their business and marriage after 30 years. Episode Breakdown with Timestamps: [00:00] - Introduction [04:39] - Start of the journey [07:48] - Early mistakes and lack of a plan before property education [12:40] - Founding the Belfast Property Meet and building community [21:10] - How Chris and Mary split roles, responsibilities, and stay married [32:20] - Mindset vs. money and knowledge: what really matters [41:53] - What a wealthy life means now [45:00] - Wrap-up and invitation for Mary to return for a women-in-property episode [48:27] - Closing thoughts and lessons learned   Follow the guests, Chris and Mary: LinkedIn Chris: https://www.linkedin.com/in/chris-selwood-07337224/?originalSubdomain=uk  Chris's Facebook: https://www.facebook.com/cs2009   LinkedIn Mary: https://www.linkedin.com/in/mary-selwood-in-ni-23996965/?originalSubdomain=uk  Mary's Facebook: https://www.facebook.com/mary.selwood.5/about  Company's Website: https://www.belfastpropertymeet.com/  Company's Podcast: https://www.belfastpropertymeet.com/property-success-podcast    Follow the Host Vicki: LinkedIn: https://www.linkedin.com/in/vickiwusche/  Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8   

In this episode of A Wealthy Life Podcast, Vicki Wusche welcomes corporate consultant and executive coach Sandi Goddard to talk about what it really means to retire in today's world. The conversation explores the emotional and practical challenges of stepping out of corporate life, why a traditional hard stop isn't always the best move, and how to plan a purpose-filled transition into your next phase of life. Whether you're in your 40s and starting to think ahead or already nearing retirement, this episode is packed with insights that can reshape your view of "retirement." Sandi Goddard is a seasoned executive coach and consultant with decades of experience helping senior leaders navigate transitions in work and life. She contributed a chapter to Retire Inspire 2, a collaborative book that explores retirement in its modern form. Known for her candid insights and people-first approach, Sandi brings wisdom, humor, and authenticity to the conversation around purpose, identity, and legacy.   Expect to Learn Why retirement is more about transition than termination The emotional shifts executives face when leaving corporate life How to start planning early, even in your 30s or 40s Why legacy is more than just money or inheritance How your values, community, and flexibility shape a meaningful post-career life   Episode Breakdown with Timestamps [00:00] - Introduction [02:48] - Life after leadership: losing the "team support" structure [05:38] - The evolving nature of retirement across generations [08:57] - Gradual transition vs. abrupt retirement [11:13] - Thinking about retirement in your 50s and 60s [13:11] - Budgeting, state pensions, and realistic financial planning [21:48] - Observational learning and life planning through habits [27:11] - Legacy: how we impact more than just our family [34:35] - Sandi's top advice: The "balcony test" for your future vision [39:21] - Gap years in your 60s, lifelong learning, and reinvention   Follow the Guest Sandi: LinkedIn: https://www.linkedin.com/in/sandigoddard/ E-mail: mailto:sandi@goddard-delaney.com Facebook: facebook.com/sandi.goddard.5/ Retire Inspire 2: https://a.co/d/8k5cTKb    Follow the Host Vicki: LinkedIn:  https://www.linkedin.com/in/vickiwusche/ Facebook: https://www.facebook.com/VickiWusche  Instagram: https://www.instagram.com/vicki_wusche/  Book a Call: https://bit.ly/BookVicki  Scorecard: https://vickiwusche.com/Scorecard    Listening Links:  Youtube:https://www.youtube.com/VickiWusche  Apple Podcast: https://podcasts.apple.com/nz/podcast/a-wealthy-life/id1617293196  Spotify: https://open.spotify.com/show/13lVRTAioD5mR4XUiylAk8   

In this episode, I am joined by Chris and Susan Beasley, former accountants and management consultants to share how they have completely redefined the idea of retirement.   Rather than treating retirement as a time to slow down, Chris and Susan have created a hybrid lifestyle that blends fulfilling work, plenty of travel, and personal choice.   Throughout their conversation they offer personal stories, practical steps, and fresh perspectives for anyone who feels that the traditional approach to retirement just doesn't fit anymore.   Listeners will hear why retirement in the conventional sense, isn't a one-size-fits-all solution and how Chris and Susan decided to shape a life that balances flexibility, purpose, and financial well-being.   They recount the pivotal moment when they realised they needed a change, and share exactly how they went about building a life and business they love.   Mindset shifts played a crucial role in moving from long careers to a more flexible and passionate way of living.   The episode also explores different ways to structure your days around what matters most, offering practical advice on making choices that increase daily joy and satisfaction.   They discuss the importance of having financial security, but also address that money is only one piece of a happy, meaningful retirement.   Listeners are encouraged to give themselves permission to rewrite the script of their own "second act," regardless of age or circumstance.   If you're curious about new possibilities after full-time work - whether that means travel, launching a side business, volunteering, or something else entirely - this episode provides encouragement, inspiration, and real-life experience.   Retirement, as Chris and Susan show us, doesn't have to mean winding down. Instead, it can be the beginning of a vibrant and meaningful new chapter that's entirely on your terms.     Episode Chapters (00:00) - Hybrid Retirement and Financial Readiness (13:43) - Flexible Hybrid Business Lifestyle (30:18) - Creating a Purposeful Retirement Life (34:09) - Taking the First Step Towards Change (41:38) - Embracing Choices in Retirement (49:55) - Sustaining Energy in Retirement   Grab your copy of Retire Inspire 2 and start designing your future. https://amzn.eu/d/2JIMFAQ   To watch this episode on YouTube: https://bit.ly/A-Wealthy-Life-Ep-183     Follow Chris and Susan:  Website: https://ChrisAndSusanBeesley.com Podcast: https://LivingTheRetirementLifestyle.com https://Facebook.com/ChrisAndSusanBeesley https://Instagram.com/SusanAndChris      Connect with Vicki: https://linktr.ee/vickiwusche   Visit my website to learn more https://vickiwusche.com   Booking calendar - https://calendly.com/vickiwusche    Access the free resources: https://vickiwusche.com/resources/   Has this podcast started you thinking about what A Wealthy Life might look and feel like for you?   Why not spend another 3 minutes and take my online audit called Readiness to Retire Wealthy based on the five principles discussed in The Wealthy Retirement Plan book and episodes of this podcast?   https://scorecard.vickiwusche.com/   The assessment provides you with a personal score and report to help you take back control of your financial future – something business owners and employees both forget – but for different reasons.   Browse Books by Vicki: Using Other People's Money: How to invest in property 4th edition  Make More Money from Property: From investor thinking to a business mindset 2nd Edition  Property for the Next Generation: Securing your future in uncertain times 2nd Edition  The New Estate: Insights from the 22nd century  The Wealthy Retirement Plan: A revolutionary guide to living the rest of your in style    Or read the following Ebooks on VickiWusche.com:  9 Critical Property Principles  The De-Job Yourself Manual: Break your reliance on a monthly wage  The Values Manual: Understand what your values are and how they can be key to a successful business   The Goal Setting Manual: Create meaningful and practical goals then achieve them

Retirement doesn't have to be a period of uncertainty or loss. Imagine discovering a newfound freedom and an exciting array of possibilities as you step away from your career-driven identity.  This episode I am joined by the insightful Jessica McGregor-Johnson as we promise to transform your understanding of this life transition.  Together, we explore the emotional shifts and opportunities for reinvention and fulfilment that come with retirement.  Jessica brings her wealth of experience from guiding transformative retreats to the conversation, addressing the importance of finding balance and joy in this new chapter of life. Leaving behind a demanding job doesn't mean leaving purpose behind. Financial security can pave the way to a life driven by passion rather than necessity.  We discuss how revisiting past interests can unlock creativity and joy, turning what was once "work" into play. Whether it's through meaningful work or exploring new creative outlets, retirement is your gateway to designing a life filled with intentional and passionate activities.  We reflect on societal expectations and how they often confine individuals into predefined roles. Through self-discovery and a shift in mindset, retirement becomes an opportunity to pursue sidelined passions and explore new paths. With references to inspiring resources like TED talks and Bonnie Ware's book on regrets, we guide you in recognising your value and pursuing passions with newfound freedom   Episode Chapters   (00:00) - Redefining Retirement (12:51) - Exploring Purpose and Passion in Retirement (19:02) - Choosing Purpose in Retirement (29:14) - Embracing Freedom in Retirement (36:24) - Reinventing Purpose in Retirement   Grab your copy of Retire Inspire 2 and start designing your future. https://amzn.eu/d/2JIMFAQ    Jessica McGregor Johnson Jessica is an international coach and retreat facilitator.  Jessica's signature programmes are her individual and couple retreats - Retire Happily - ensure your retirement is meaningful fulfilling and fun and Get Unstuck - reset the course of your life.  In her 22 years of working in this field she has seen how important planning is for retirement and so created a retreat specifically for it to make sure that retirement is the cherry on the top. Living in southern Spain where she offers her retreats, she has been described as "way more than a coach, a wise voice that guides you to clarity to create the best scenario possible." As well as Co-authoring Retire Inspire, and Retire Inspire 2, she has also written two books: 'Remembering Perfection, Reconnect to the Perfection of your Soul' and "The Right T-Shirt - write your own rules and live the life you want'. https://jessicamcgregorjohnson.com https://www.linkedin.com/in/jessicamcgregorjohnson/ Book a Discovery Call with Jessica https://jessicamcgregorjohnson.setmore.com   Resources mentioned:  Dr Riley Moynes TED talk https://www.ted.com/talks/riley_moynes_how_to_squeeze_all_the_juice_out_of_retirement Bronnie Ware - Regrets Of The Dying https://bronnieware.com/blog/regrets-of-the-dying/   To watch this episode on YouTube: https://bit.ly/A-Wealthy-Life-Ep-182   Connect with Vicki: https://linktr.ee/vickiwusche   Visit my website to learn more https://vickiwusche.com   Booking calendar - https://calendly.com/vickiwusche    Access the free resources: https://vickiwusche.com/resources/   Has this podcast started you thinking about what A Wealthy Life might look and feel like for you?   Why not spend another 3 minutes and take my online audit called Readiness to Retire Wealthy based on the five principles discussed in The Wealthy Retirement Plan book and episodes of this podcast?   https://scorecard.vickiwusche.com/   The assessment provides you with a personal score and report to help you take back control of your financial future – something business owners and employees both forget – but for different reasons.   Browse Books by Vicki: Using Other People's Money: How to invest in property 4th edition  Make More Money from Property: From investor thinking to a business mindset 2nd Edition  Property for the Next Generation: Securing your future in uncertain times 2nd Edition  The New Estate: Insights from the 22nd century  The Wealthy Retirement Plan: A revolutionary guide to living the rest of your in style    Or read the following Ebooks on VickiWusche.com:  9 Critical Property Principles  The De-Job Yourself Manual: Break your reliance on a monthly wage  The Values Manual: Understand what your values are and how they can be key to a successful business   The Goal Setting Manual: Create meaningful and practical goals then achieve them

What if retirement wasn't about slowing down, but instead, a new beginning filled with joy and independence.   In this episode, Anne Taylor – co-author of Retire Inspire 2 and an experienced leadership coach – shares her personal journey through the loss of her parents, and how it shaped her thinking on both the financial and emotional sides of preparing for retirement.   We challenge outdated views and consider the empowering idea that it is never too late – or too early – to prepare for a secure and purposeful future.   Anne's "60 for 60" challenge offers inspiration for anyone keen to redefine what retirement can mean.   The discussion touches on the often-overlooked realities of moving from corporate life to self-employment, highlighting the importance of having a financial safety net in place.   Reflections include lessons passed down through family about financial independence, the value of learning about money early in life, and the need to balance self-reliance with the ability to seek support when required.   The conversation also considers how certain personal traits can be both an advantage and a difficulty when it comes to making financial decisions.   Money can be a sensitive subject in relationships, particularly when spending habits differ.   Through stories and examples, the conversation examines how honest discussions about money can turn these differences into shared strengths.   Anne speaks openly about breaking the taboos around financial literacy – especially for women – and encourages creating space for candid conversations.   The episode closes with a fresh outlook on retirement: a time for personal growth, rich experiences and deliberate choices, rather than a simple financial milestone.   Grab your copy of Retire Inspire 2 and start designing your future. https://amzn.eu/d/2JIMFAQ   Episode Chapters: (00:00) - Planning for Retirement (11:52) - Financial Security and Emotional Influence (20:00) - Overcoming Financial Fear and Taboos (28:50) - Navigating Financial Balance and Retirement Goals (32:19) - Personalised Life Calendar and Goal Setting (45:56) - Creating Financial Freedom Through Clarity   To watch this episode on YouTube: https://bit.ly/A-Wealthy-Life-Ep-181   Anne Taylor believes real success isn't just what you achieve – it's how you live. After more than 25 years in senior leadership roles with global Fortune 500 companies across North America and Europe, Anne made a deliberate shift from corporate life to coaching, helping high-achieving leaders grow beyond technical expertise into confident, people-focused leadership. Now an ICF-certified executive and leadership coach, speaker, and award-winning author of Soft Skills HARD RESULTS, Anne blends sharp business insight with emotional intelligence. Her book reflects her own journey – learning to lead with both head and heart. In Retire Inspire 2, Anne shares powerful financial lessons shaped by her father's wisdom and her own life experience. Her story goes beyond money – it's about freedom, fulfilment, and living intentionally. Anne now helps others navigate their next chapter with clarity and courage. She lives by the ninth principle of her book: Live a Life of No Regrets.    Connect with Anne   https://www.linkedin.com/in/anne-taylor-6b2a831/   https://directions-coaching.com/contact/   https://www.instagram.com/annetaylorcoach/   Buy Anne's Book   https://mybook.to/SoftSkillsHardResults     Connect with Vicki: https://linktr.ee/vickiwusche   Visit my website to learn more https://vickiwusche.com   Booking calendar - https://calendly.com/vickiwusche    Access the free resources: https://vickiwusche.com/resources/   Has this podcast started you thinking about what A Wealthy Life might look and feel like for you?   Why not spend another 3 minutes and take my online audit called Readiness to Retire Wealthy based on the five principles discussed in The Wealthy Retirement Plan book and episodes of this podcast?   https://scorecard.vickiwusche.com/   The assessment provides you with a personal score and report to help you take back control of your financial future – something business owners and employees both forget – but for different reasons.   Browse Books by Vicki: Using Other People's Money: How to invest in property 4th edition  Make More Money from Property: From investor thinking to a business mindset 2nd Edition  Property for the Next Generation: Securing your future in uncertain times 2nd Edition  The New Estate: Insights from the 22nd century  The Wealthy Retirement Plan: A revolutionary guide to living the rest of your in style    Or read the following Ebooks on VickiWusche.com:  9 Critical Property Principles  The De-Job Yourself Manual: Break your reliance on a monthly wage  The Values Manual: Understand what your values are and how they can be key to a successful business   The Goal Setting Manual: Create meaningful and practical goals then achieve them

What if retirement isn't the end- but just the beginning of something better?   In this rich and honest conversation, psychologist and award-winning coach Andrew Priestley challenges the conventional script around retirement.   Far from a full stop, retirement can be a vibrant new chapter - one you get to design, not one you're handed.   Drawing on insights from Retire Inspire 2, a collection of powerful personal stories and practical reflections, Andrew and Vicki dive deep into the emotional and financial realities many of us face.   Whether you're in your 20s or 60s, this episode unpacks why it's never too early - or too late to think about life after work.   We explore:   Why "retirement" is a loaded word and what to replace it with How shifting identity, purpose, and autonomy impacts our choices Why financial planning isn't just about pensions - it's about power The danger of passive living and how to reimagine a life of adventure, contribution, and freedom Practical tools for getting started now, even if you're feeling stuck or resistant   There's no one-size-fits-all route to a meaningful life beyond the 9–5.   Whether you want to travel, build a business, volunteer, or spend more time with family, this episode gives you the mindset and motivation to start shaping your next chapter - on your own terms.   Ready to be inspired? Grab your copy of Retire Inspire 2 and start designing your future. https://amzn.eu/d/2JIMFAQ   To watch this episode on YouTube: https://bit.ly/A-Wealthy-Life-Ep180   Connect with Andrew: https://www.linkedin.com/in/andrewpriestley/    Connect with Vicki: https://linktr.ee/vickiwusche   Visit my website to learn more https://vickiwusche.com   Booking calendar - https://calendly.com/vickiwusche    Access the free resources: https://vickiwusche.com/resources/   Has this podcast started you thinking about what A Wealthy Life might look and feel like for you?   Why not spend another 3 minutes and take my online audit called Readiness to Retire Wealthy based on the five principles discussed in The Wealthy Retirement Plan book and episodes of this podcast?   https://scorecard.vickiwusche.com/   The assessment provides you with a personal score and report to help you take back control of your financial future – something business owners and employees both forget – but for different reasons.   Browse Books by Vicki: Using Other People's Money: How to invest in property 4th edition  Make More Money from Property: From investor thinking to a business mindset 2nd Edition  Property for the Next Generation: Securing your future in uncertain times 2nd Edition  The New Estate: Insights from the 22nd century  The Wealthy Retirement Plan: A revolutionary guide to living the rest of your in style    Or read the following Ebooks on VickiWusche.com:  9 Critical Property Principles  The De-Job Yourself Manual: Break your reliance on a monthly wage  The Values Manual: Understand what your values are and how they can be key to a successful business   The Goal Setting Manual: Create meaningful and practical goals then achieve them

This week, Vicki continues her frank and insightful conversation with Russell Quirk, political commentator and property expert. After the buzz around Part 1, Russell returns to dig even deeper into why Britain's housing crisis shows no signs of being fixed – no matter which party is in charge.   The discussion explores how short-term political thinking is fundamentally at odds with long-term housing solutions, and why governments consistently fail to follow through on their promises.   Russell explains how big housebuilders operate within a system that actively disincentivises the rapid delivery of new homes, particularly when shareholder interests take priority over national need.   There's a revealing look at the issue of land banking and how planning obstacles – both at local and national level – frustrate progress. The conversation also brings attention to the vital role of SME builders, who are nimble, efficient and not burdened by shareholders, yet receive little support or recognition. Russell shares his ideas on how the government could incentivise these small and mid-sized developers to help ease the housing shortfall.   The episode doesn't shy away from controversial ground, either. There's a candid conversation around the demonisation of landlords, growing entitlement in society, and the reality that population growth – both from net migration and an ageing population – is putting strain on an already overstretched housing market.    Whether you're a property investor, housing campaigner or simply curious about how we got into such a mess, this episode delivers a sharp and unapologetic take on the future of the UK housing market. Russell and Vicki call out the headlines, the excuses, and the avoidable mistakes – and ask what it would really take to turn things around.   Key takeaway: If nothing changes, the housing shortage will only deepen – but with the right vision and long-term thinking, there are real solutions. The question is: who's brave enough to implement them?   To watch this episode on YouTube: https://youtu.be/tFkPyNZHKeo   Connect with Russell: linkedin.com/in/russell-quirk Website: https://properpr.co.uk/    Connect with Vicki: https://linktr.ee/vickiwusche   Visit my website to learn more https://vickiwusche.com   Booking calendar - https://calendly.com/vickiwusche    Access the free resources: https://vickiwusche.com/resources/   Has this podcast started you thinking about what A Wealthy Life might look and feel like for you?   Why not spend another 3 minutes and take my online audit called Readiness to Retire Wealthy based on the five principles discussed in The Wealthy Retirement Plan book and episodes of this podcast?   https://scorecard.vickiwusche.com/   The assessment provides you with a personal score and report to help you take back control of your financial future – something business owners and employees both forget – but for different reasons.   Browse Books by Vicki: Using Other People's Money: How to invest in property 4th edition  Make More Money from Property: From investor thinking to a business mindset 2nd Edition  Property for the Next Generation: Securing your future in uncertain times 2nd Edition  The New Estate: Insights from the 22nd century  The Wealthy Retirement Plan: A revolutionary guide to living the rest of your in style    Or read the following Ebooks on VickiWusche.com:  9 Critical Property Principles  The De-Job Yourself Manual: Break your reliance on a monthly wage  The Values Manual: Understand what your values are and how they can be key to a successful business   The Goal Setting Manual: Create meaningful and practical goals then achieve them

The Honest Property Sisters, Ruth and Becky, return for their second episode, continuing their inspiring story of building a property business from the ground up.   If their journey is new to you, episode 175 shares how it all began – it's well worth a listen before diving into this next chapter.   Starting out in 2012 with limited resources and the expectation of rejection, Ruth and Becky focused on Houses in Multiple Occupation (HMOs) in Bristol, creating a successful portfolio through determination and smart strategy.   They reflect on the early challenges, surprising wins in securing finance, and the importance of strong relationships with estate agents.    This episode explores the realities of managing HMOs, from rising energy costs to the shift towards joint tenancy agreements.   Advertising has evolved from targeting individuals to appealing to groups who value communal living, improving both efficiency and safety.   Their candid insights offer valuable lessons for anyone considering a similar path.   The conversation also looks at broader property strategies, including the transition from HMOs to serviced accommodation and rent-to-rent models.   Ruth and Becky share how aligning personal values with professional goals, staying connected to the community, and exercising patience have been key to sustainable growth.   It's an honest and heartfelt discussion that highlights what it truly takes to build a life of wealth and purpose.   Follow The Honest Property Sisters:  Instagram: @honestpropertysisters Podcast: Honest Proper-Tea Podcast Website: honestpropertysisters.com   Join A Wealthy Life Community: https://bit.ly/WLC-JOIN   Access my free course - The Smart Woman's Ultimate guide to Money and Investing- https://bit.ly/Smart-WUG   Book a Call: Bit.ly/BookVicki   To watch this episode on YouTube:  https://bit.ly/A-Wealthy-Life-Ep-178   Connect with Vicki: https://linktr.ee/vickiwusche   Visit my website to learn more https://vickiwusche.com   Access the free resources: https://vickiwusche.com/resources/   Has this podcast started you thinking about what A Wealthy Life might look and feel like for you?   Why not spend another 3 minutes and take my online audit called Readiness to Retire Wealthy based on the five principles discussed in The Wealthy Retirement Plan book and episodes of this podcast?   https://scorecard.vickiwusche.com/   The assessment provides you with a personal score and report to help you take back control of your financial future – something business owners and employees both forget – but for different reasons.   Browse Books by Vicki: Using Other People's Money: How to invest in property 4th edition  Make More Money from Property: From investor thinking to a business mindset 2nd Edition  Property for the Next Generation: Securing your future in uncertain times 2nd Edition  The New Estate: Insights from the 22nd century  The Wealthy Retirement Plan: A revolutionary guide to living the rest of your in style    Or read the following Ebooks on VickiWusche.com:  9 Critical Property Principles  The De-Job Yourself Manual: Break your reliance on a monthly wage  The Values Manual: Understand what your values are and how they can be key to a successful business   The Goal Setting Manual: Create meaningful and practical goals then achieve them

Most of us spent years in school, yet left without any real understanding of how to manage money, build wealth, or even define what success truly means for ourselves.   This episode explores the crucial lessons that were missing from the education system and reveals what really needs to be learned in order to create a wealthy and fulfilled life.   After more than a decade teaching at university and helping students transition into careers and businesses, it became clear that education shapes – and often limits – the way we think about money and success.   In this conversation, the myths about budgeting are challenged, the truth about financial security is explained, and the steps to move towards financial autonomy and a healthier money mindset are shared.   The episode covers why traditional education never prepared you for financial freedom and explains the difference between budgeting, financial security, and true autonomy. It reveals how fear and mindset keep so many people stuck in survival mode and shows what it really takes to create income that doesn't rely on trading your time. Most importantly, it explores why defining what is truly "enough" for you is the first step towards genuine wealth.   This isn't about working harder or chasing more just for the sake of it. It's about understanding the beliefs that shape your financial decisions, shifting your mindset so you feel safe with money, and creating a strategy that works for your version of success.   There is also a quiz linked below to help you discover what you still need to learn in order to feel financially secure and in control.   Download the Quiz https://bit.ly/WealthyLifeQuiz   Join A Wealthy Life Community: https://bit.ly/WLC-JOIN   Access my free course - The Smart Woman's Ultimate guide to Money and Investing- https://bit.ly/Smart-WUG   Book a Call: Bit.ly/BookVicki   To watch this episode on YouTube: https://bit.ly/A-Wealthy-Life-Ep-177   Connect with Vicki: https://linktr.ee/vickiwusche   Visit my website to learn more https://vickiwusche.com   Access the free resources: https://vickiwusche.com/resources/   Has this podcast started you thinking about what A Wealthy Life might look and feel like for you?   Why not spend another 3 minutes and take my online audit called Readiness to Retire Wealthy based on the five principles discussed in The Wealthy Retirement Plan book and episodes of this podcast?   https://scorecard.vickiwusche.com/   The assessment provides you with a personal score and report to help you take back control of your financial future – something business owners and employees both forget – but for different reasons.   Browse Books by Vicki: Using Other People's Money: How to invest in property 4th edition  Make More Money from Property: From investor thinking to a business mindset 2nd Edition  Property for the Next Generation: Securing your future in uncertain times 2nd Edition  The New Estate: Insights from the 22nd century  The Wealthy Retirement Plan: A revolutionary guide to living the rest of your in style    Or read the following Ebooks on VickiWusche.com:  9 Critical Property Principles  The De-Job Yourself Manual: Break your reliance on a monthly wage  The Values Manual: Understand what your values are and how they can be key to a successful business   The Goal Setting Manual: Create meaningful and practical goals then achieve them