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Financial Resilience – Prepare for a brighter future

The state of your wallet can have a powerful impact on the state of your mind. Have you got your finances in place so you are resilient enough to navigate through these uncertain times?

In this ‘Wine and Wisdom’ episode called ‘Financial Resilience – Prepare for a brighter future’ I speak with the very talented Aaron Christie-David from Atelier Wealth.

We discuss:

  1. How individuals can be more financially resilient during these really stressful times.
  2. There is talk about property prices plunging – what are your thoughts for people thinking about purchasing?
  3. The questions people should be asking from their mortgage broker right now?
  4. Home Loans for the Homeless – what inspired you to launch this?
  5. How the state of your wallet impacts the state of your mind?
#atelierwealth #homeloansinplainenglish #mortgagebroker

H – Well, hello, and welcome to the Wine and Wisdom show! Thank you so much for being here. If this is your first time here, welcome. If you are a returning guest, I very much appreciate you spending your Wednesday night with us while we have a little wine together, and I get to share some wisdom. But for those of you who are here for the very first time, I thought I’d give you a very quick brief on what this show is all about. You know, it’s been an interesting thing during this entire pandemic. I think one of those silver linings that we talk about that has come out of it, out of all the turmoil, and panic, and fear, and tricky times, is that the appreciation for connection has never been more. And really this is what this particular show is all about, connecting, I mean, firstly, for me to be able to connect with you who are here tonight, either live or when you’re watching it in the replay, which often happens with Facebook Live. So, thank you for being here, and cheers to you. But secondly, so I can connect you with some really talented, resilient, courageous, self-leaders who are in my network that I have been lucky enough to know over the years. And for me to be able to connect them with you and so that they can share their wisdom with you because the people that I bring on to the show I really believe are transforming our workplaces and our world, and tonight is no exception. I have an amazing guest, Aaron Christie-David. I’m about to bring him up, and if you haven’t seen before now, our topic for tonight is all around financial resilience and how to prepare for a brighter future, even in a time when the brightness might be hard to see. And I really wanted to bring Aaron on tonight because he’s such an expert in this field, and I think we could all do with a little hope on how our financial future could look, and therefore that’s why he is here tonight. Let me stop talking and bring him up onto the screen. There here is! Hello, Aaron!

A – Hey! Hi, how you doing?

H – I’m so great, how are you?

A – Fantastic, thank you very much! Thanks for having me.

H – Have you got a little wine to be sharing with us all tonight?

A – I’ve got a cheeky whiskey, if that’s all right? Keeping the theme that it’s my poison of choice.

H – Well, you know what, it is within the theme because it’s like wine, whiskey, and wisdom, so that fits very nicely actually.

A – It’s the W’s, yes.

H – The triple W’s. Thank you so much for being here, and for everybody who’s watching, we’d love to know what your tipple of choice is. Are you having a white wine, a red wine, a whiskey, a rum? During the last show Ashley was drinking margaritas on a Wednesday night, so that was pretty fancy pants.

A – On a typical night, say my poison of choice is a Japanese whiskey. When we could travel around the world, we were lucky to go to Japan last year and brought back some beautiful Japanese whiskey. I don’t get a chance too often to tuck into a couple, so this is a good excuse actually.

H – Yes, well, I have never tasted a Japanese whiskey, so I look forward to the time when I can share that with you, Aaron.

A – Absolutely.

H – So, Aaron, I’d love you to start off by telling us who you are and what you’re doing, and what is the positivity that you are sprinkling around our world right now?

A – Thanks, right, so, yes a bit of background, my name’s Aaron Christie-David. I run a mortgage broking business called Atelier Wealth with my wife Bernadette. Look, in a nutshell, we’re helping a lot of families around the country, I guess, tackle this time from a financial perspective, right? So, if we put into the current time that we’re in, some people are doing exceptionally well, maybe their businesses aren’t impacted, some people are somewhat impacted, and then there’s people on the other end who are severely impacted, and I guess it’s those latter two that we’re doing a lot of work with. And I think for us here, everyone’s handling it very differently and I think money’s probably the centerpiece for a lot of people’s mindset at the moment, how they see the world through that lens, and I guess we’re coming in and saying, “What’s the reason to go look? “Here’s what you can do, here’s what your options are,” at a time when people may be confused or a little bit overwhelmed with the information that’s going on at the moment.

H – Yes, I know. We’re going to dive deep into that, which I’m really looking forward to. But before we do that, I mean, I’d love to know, just in regards to your life, what was your turning point? Was there a pinnacle moment that you thought, “Well, this is really what I want to be doing “for my career?” Was it like that for you?

A – Yes, it definitely was. I think for us,  Bernadette and I, we run our business together, my wife Bernadette, so for us, that turning point came when we were sitting on crates in Vietnam. So we were on our honeymoon, we’re both in what you would consider fairly good corporate careers, for us, and we were at the crossroads, like do we go over to New York and also do we maybe study, get my MBA over there, come back with a huge student debt for example. And that was what we had in our minds was to go and travel and live in New York. And we sat there, literally after a couple of beers in Vietnam, we’re like, “What are we doing?” We’re going to end up there with a lot of debt, we won’t get to enjoy the city, we’ll pretty much be working casual jobs to make ends meet, and then we’ll come back and be on the back foot potentially as well. And that’s when – my background has been in financial services marketing, and Bernadette was like, “Well, you know mortgage brokers. “Why don’t you become a mortgage broker?” And it was like an off-the-cuff comment perhaps. And then we got back from our honeymoon, and five weeks later Bernie was like, “You haven’t done anything, what’s going on?” And literally the next day, I found a mortgage broking business for sale, I quit my job, and I started. So there was no game plan.

H – Oh, wow.

A – Yes, no savings, no game plan, and just kind of hit the ground running, and that’s been five years ago since it happened. So yes, definitely that pivotal moment for us there, Heidi.

H – I’m a bit surprised because I know how successful your company is, that you and Bernadette have just built this incredible operation, organisation. You’ve won multitudes of awards within your industry and nationally, so that’s really remarkable you’ve done all that within five years from a small conversation … and a fantastic woman who gave you that nudge of course.

A – I used to say the chess move that kind of triggered it. Sometimes I need a gun to my head to work. Bernadette needs a game plan. Bernadette needs like a solid business plan, and maybe that’s where opposites attract a little bit, like a bit of yin,yang action going on. I can just kind of see the vision and execute, and Bernie is really good with the details, so for us, we kind of make quite a good combination. Sometimes they say business and family, but for us, it works. We’ve broken the rule, but it does work for us.

H – Yes, well, and it does for many as well. Just as many as it doesn’t work for, it does work for. So congratulations on being able to make it work. And I would imagine you would have to work at making it work really.

A – Oh, completely. I’ll wake up and still talk shop. Bernie wants to switch off, and she’s got this magic ability to switch off at home, which is kind of nice. I take a leaf out of her book and follow suit, but otherwise I’d just be yakking nonstop about it. And I think any time you kind of hit that off button together, like be better at what you do potentially as well. Yes.

H – Yes. Well, let’s talk about the current situation, Aaron. In Australia, there are about 1.3 million people on Jobseeker. There’s about three million on JobKeeper. The economy has never been the way it is and the ripple effect for the weeks, months, and probably years to come will be something that perhaps none of us can even foresee right now. So when we have this much uncertainty going on in our economy, what is it that we can do as individuals to try and be a little more financially resilient during all this uncertainty and stress?

A – Yes, I mean, it’s a really broad ’cause everyone’s situation is so different, right? So we can’t actually give financial advice over Facebook, but I guess there’s some really quick wins that we can start to look at. One is deleveraging. So deleveraging is what can you lose in your budget that will free up some cashflow?

H – Right.

A – And so for us, if there’s credit cards with expensive debt, how do we find a way to pay them off, for example, just so you’re free out of the credit card trap? Another one, is there a game plan around savings, right? Because if you know you’ve got some cash savings in the bank, that potentially allows you to sleep at night, know that number and how much you need, so you go to bed knowing that there’s enough money in the bank account for maybe the next few months. That’s very easy for me to say when I’m not on JobKeeper or Jobseeker, for example. I know a lot of families live paycheck to paycheck, it’s going to be hard. If you look at the numbers, if you look at the credit card debt and how much we have nationally, and you look at how many Australians that have savings in the bank of over $1,000, it’s probably a stark reminder for us to go, okay, maybe the old method of bite off more than you can chew when it came to debt and then pay it back, maybe that’s not going to work moving forward. And I really credit someone like a Scott Pape, Barefoot Investor, that has some really good money methodologies, and has really easy ways to help us understand and for a lot of struggling families to go, “Hey, look, how much have we got in our savings account? “How much we’ve got for spending money? “When things ‘hit the fan’ money?” Knowing that your numbers to me is where people get that financial confidence from as well. ‘Cause how many people actually know what they earn gross and then what they actually earn net? The budget like what are the fixed expenses? What are the non-variable typse of expenses as well? And be able to articulate that and have a really good handle on your money. I think a lot of people just go, “Oh, I’m not really good with my budget,” or, “I’m not really good at finances.” And that to me, if you’re not good with your money, someone else will be good with your money and will take it off you. And we’re trying to get people confident and comfortable in their own skin when it comes to money.

H – Yes, and just for anybody listening right now, or even later because we will pop back on and have a look at the comments, if you do have any questions, and of course Aaron’s not here to give legal financial advice right now, but if you’d like him just to start talking about something particular that you’re wanting to know, please let us know so that we can shift our conversation to accommodate that. Aaron, when you’re talking about that, I mean, certainly I’m in a household where the two business owners, myself and my husband we have businesses, both have been impacted in extremely different ways. We’re actually at both ends of the spectrum. My husband has been deemed an essential service in this country.

A – Amazing.

H – He’s always an essential service to me. But apparently he’s now an essential service, so he’s doing extremely well. And then of course for someone like myself, I’m a speaker. I go into workplaces, I do training. That has been completely deleted from my life. So you’ve got all these, you said it yourself, such a wide spectrum of people dealing with their financial circumstances. And I hear what you’ve said, like that first one about knowing your numbers and knowing what you can just take away, I think probably everyone would agree that this period of time has really made us look at what we’ve needed, whether it has just been financially, emotionally, physically, throughout this period, we’ve really been able to take away lots of the fluff and get back down to just what we need right now. And finances are nearly like the foundation of that, isn’t it?

A – Pretty much, yes. You don’t ever wish this upon anyone in the world, but maybe it’s a bit of a reality check of what we do need. I think we have all enjoyed a period of economic prosperity, some really good times — we always see these type of times in history where things will kind of pause, reset, and then that’s how we bounce back from a financial situation that will either make or break a lot of families as well. Yes, everyone’s going to deal with it in their own way. It’s a journey that we’re all on, right? And I think for some people, like you’re saying like Ken, his business is doing very well. You’re lucky that you’re in the household where he gets that real reality check to go, well, his bubble isn’t necessarily the reality of Australians.

H – Yes and that brings me to this next question because when we’re talking about financial resilience and the impact that actually has on our resilience as a whole. When I’m talking, I talk about physical, mental, social resilience, but our financial resilience, our financial circumstances actually impact all of that. And I know you said on LinkedIn, I saw today, you spoke about the state of your wallet equals the state of your mind, and, oh, I love that so much, and I’d love you to talk to that expression and what that means.

A – Yes, just kinda came up in a conversation one day with a client. I was like, “Yes, talk me through your wallet.” And then we just made this connection, this mind-money type of mindset connection. And when things are great, when you’ve got money in the bank, when you have savings in the bank, when you’re on top financially, you’re in a much better place. Yes, you see the world through a different lens. Things are great. And then when a bill comes and sideswipes you or whatever it is, bill shop, car shop, whatever it’s going to come up, and so you’re depleted of your savings, you almost feel like you see the world through like black and white and it’s not– And what we’re now trying to get to is people to go, okay, yup. If you’ve been to that place, that dark place, and I think we’ve all been there, never again. If it means this is the situation where it’s that reality check we never go again, like bottle that feeling, and now go. Just make sure that moving forward, yes, we’re going to learn from it, and it could be an expensive mistake to make. I think the other point that we’re learning through this is often if I put property up as a pedestal as an asset, to me it doesn’t matter how many properties you have, your health is probably your greatest asset, not wealth. And I think that’s one thing that it doesn’t matter how much money you’ve got, if you’ve got COVID, you’ve got COVID, and you can’t buy your way out of it. And so now what I’m seeing is this sentiment to go, where people have been at home, they may be appreciating their home, their castle, their family, their health, and maybe it’s just helped to realise some of our priorities in life, opposed to, “Hey, man, let’s be on the rat race. “Let’s try make a property portfolio,” or whatever it is for some people. And sometimes it isn’t the ticket to freedom or happiness.

H – No, it certainly isn’t. And I think we’ve all had that reality check, as you said, with the last couple of months on that. I mean, nothing is more important than our health. There is no doubt about that. But there is no denying that our financial circumstances can impact our mental health, so that’s really worth acknowledging. And with that in mind, there’s lots of chitter-chatter about property prices plummeting because of what’s going on. I mean, what are your thoughts for people who are thinking about buying property at the moment when perhaps there is all this uncertainty, but there’s also apparently all this opportunity because property’s going to plummet. So what should we do?

A – We know the fact is there’s probably about 46% less properties listed online.

H – Wow.

A – So if you know the property prices are staying a little bit buoyant, it’s because we’re not seeing an oversupply onto the market, which then maybe causes prices to fall. So that’s one way of looking at it. If I had a property, would I want to list it in this current climate? Probably not. So I think people are maybe being forced to sell, maybe they’re moving, maybe it’s work situations, maybe it’s family situations. There’s a general that happens generally in the property market as well.

H – Yes.

A – Straight up, my two cent’s worth is I don’t think anyone can predict where property prices are going to go. They could be enough data, but I think if you look back at some of the key markers that people are talking about, it’s Black Monday, it’s the ’90s recession, it’s the GFC. You look at all those markers, but never has it been kind of health, global, intertwined. There’s been a lot of economic resetting, but people still have a roof over their head, I get it, but we can’t accurately predict where property prices are going to go at this stage is my sentiment when a lot of people ask me. So the way I look at it is you’ve got two types of buyers. One is a homeowner, so someone wants to buy their own home, or an investor. I can understand why investors don’t want to be in the market because they potentially their price going backwards on an investment property. So if you feel that way, we’re telling people to step out of the market until you feel more confident to come back in. If you’re looking to buy your own home, the way I look at it is if your rent plus whatever you’re saving is going to equal your future mortgage repayment, you and I, we can’t control property prices, but you can come in there, smash your loan off as fast as possible, that’s a good outcome. And potentially if you buy a property that’s maybe under market value or a home that you’ve been looking for that has now come onto the market, good times, bad times, you always want to buy that property anyway. Right now, rates are so low, this could be an opportune time to get into the market. And that’s when you look at something the First Home Buyers, the government’s initiative around the first homeowners deposit scheme, all 10,000 spots have been exhausted, so quite clearly there is a demand from first time buyers into the market at a certain price point as well.

H – Yes. While you’re talking, it just reminded me, we all can sit and read what we’re reading and think, “Oh, this is a perfect time to buy “’cause it’s going to be plummeting.” But the fact is I was only talking to someone on a podcast yesterday that they say it takes 10,000 hours for us to be a master of anything. And Joe Bloe-public like me has done nowhere near 10,000 hours of work on what property prices are going to be and whether this mortgage is the best one for me, but of course, that’s where a mortgage broker is so perfect. You’re immersed in that whole industry, that’s all you’re thinking about, reading about, talking about. And I would imagine really, I’m just saying it out loud, that if any of us are thinking about this type of thing we should be going to our mortgage broker and talking to them about the situation and asking questions, right? We should be asking questions because things are so different right now, is that right?

A – Oh, absolutely. I think that first thing that kind of pings up for people is what’s the sales agenda here? That’s a fair question for anyone that you meet, so whether it’s a real estate agent, whether it’s a buyer’s agent, whoever it is, you’re going, “What’s your sales agenda?” And for me, our only agenda is helping people make better property choices. So whether you choose to buy or not, knows with all due respect. But if you make a better or a wise property decision, then you can come back and you’re going to buy that next property, for example, whereas everyone made bad decisions don’t ever want to buy property again, if that makes sense. So–

H – Yes, of course.

A – No winners there really, but–

H – No.

A – It goes back to confirmation bias, doesn’t it? I think what you were touching on before is like what you would find if you would seek out information that kind of suits maybe what your opinion is or what you’re looking for. So if you’re looking for prices to go down, you’ll search out articles that kind of show that prices are going down, whereas you go– The markets could, and potentially there could be some opportunities, you kind of flipped it around on its head and you’re looking for the opportunity in the market perhaps as well.

H – Yes, of course. Yes, you’re so right there. So, Aaron, tell me– I know you have got an amazing program called ‘Home Loans for the Homeless’. I mean, oh, my gosh. I’m not even going to put words to it. I really would love you to tell us what that all is about. How did it start? What are you doing with it? What’s the impact?

A – Yes, thanks very much. Yes, I might tear up. Our daughter Sienna is nearly 20 months, right? And I think it was one day we were going through a cupboard and there were clothes that she had never even worn, like brand new with tags. She’d outgrown them, and I said to Bernie, I said, “This child – like we don’t live in complete privilege – but when you put it into a global perspective, we absolutely do live in complete privilege. Sienna will never go without food, will never go without clothes. Every time we bathe her we say, “thank you” to the water because it’s clean hot water. Plenty people don’t have that privilege, right? Clean nappies every time, access to medical. I was like… I said, “We can try to do something on our own “and that’s great, that’s private.” But I said, “I actually want to try to find a way to integrate our business to do the same.” So whatever we do in our own private life, that stays here. But also we want to find a way to engage with our own clients, our own business partners, for example, or referral partners as an industry, and say, “Hey, look, how we play at the new game?” And for our team, it’s just kind of like started internally where we looked on a platform called B1G1. We said, “Look, let’s just run a few ideas.” And so it took some time to kind of percolate in our team as well, and it’s kind of like, I don’t know, just having a chat one day, I was like, “Why don’t we do something about the homeless?” And then it kind of had a really good synergy to home loans for the homeless, and that became, I guess, the creative side of it. But the mechanics side of it is for every home loan that we organise, we give 30 nights of shelter to an underprivileged family that’s in India, for no real reason, but that’s who the B1G1 platform kind of serves and Habitat for Humanity’s who it goes to. So that’s what I looked at, and I guess we got some feedback from people and it all was really positive feedback. It was like, well, that’s on a global scale, what are you doing in your own backyard as well? Which kind of challenging question. And then we’re like, right, okay, so what can we do locally? And we linked up with, down on the south coast, we linked up with Wollongong Homeless Hub and we do the 1% pledge. We donate 1% of our time, for example, and our team offshore had the ability to do 1% of their time, so when you think about it, it’s one day off every six months. So really it’s not a big team expense or hours expense, but it goes towards something that they’re really passionate about, that they want to do. So some of team love animal rescue. I’m like, great, go do that, for example, and that way you can pursue something that you do. And then as a team, we’ve got our home loans for homeless initiative, and now that just gives us something to speak about to our clients, going, “Hey, look, with all due respect, “you bought a $2 million property sometimes,” or whatever it is, “maybe we’ll skip the settlement gift, “which is a nice bottle of wine, “and how ’bout we pay that forward to someone that really needs it, for example. And–

H – Fantastic.

A – When you tell it that way, and it’s never the reason that people would do business with us ’cause it always gets mentioned after the fact, and it goes, “Hey, man, look, “how do we find a way to pay this forward? “Your family will be in this beautiful home, “your kids will sleep in this beautiful house, “go to fantastic schools, you drive great cars. “There’s people out there that are far less fortunate “and it kind of stems–” So I guess when Sienna gets older, I want her to look back and go, like her birth triggered something beautiful. I would like that as well.

H – Yes, yes. Oh, I love that. So what are you up to now in India? How many nights of shelter have you given?

A – We measure the numbers and this and it’s all the way up to like 4,000 nights since we launched it.

H – Wow.

A – And I thought, I didn’t think we’d be there this quickly. And seeing the number, I’m like, we’re nearly halfway and it hasn’t been about six months, and that in itself is like, did we set the bar too low? Right? I’m like, oh, great! And then we hit 10,000, I’m like, all right, guys, let’s have a think about. Do we 10 X that number? Do we find another project or another initiative? I don’t want to bring the mood down, but I’m not sure you read that story today about the 4-year-old girl in Brisbane killed at the hands of her father, I’m like– I came home tonight, and B and I, I think we cried, both of us. And there’s some sad stuff that really happens, you know? You hug your kids, you hug your pets, your furbabies, whoever it is, you go, man, this country, wherever you’re with is a complete and utter privilege and we’re helping facilitate people to buy beautiful homes, some people to have roofs over their heads.

H – Yes, we have certainly won the human lottery here, haven’t we? No doubt.

A – Completely, yes.

H – Yes, yes. Well, I congratulate you, I mean, I just love the fact that you– You know, it’s not about like what can I get for my life, for my job, and my career, and everything that I do with my clients. It is about paying it forward, and if everybody did that little bit, 1% as you talked about with the other project you have got going, it’s so nothing, but what an impact it can make. You know, this is the thing, and we should all be doing something to make that impact. And we would be in a much better world of course because of that, so thank you from everybody.

A – No, not at all, I mean, I look at what you guys have done with your animal rescue. That’s amazing and touching when you change an animal’s life, like that’s no small feat as well, right? So I think each of will find our own jam, and when people just go, “How does it start?” I’m like, you’ll find that fire. You’ll find something that connects you to the right cause. Don’t try to kind of be a square peg in a round hole. But if you’re doing, it’ll happen naturally. But yes, just keep an open mind for how you can help.

H – And it’s so true, I mean, you’ve got to find what’s right for you. I mean, education is mine– I feel like I have education in my DNA, and I am also attached with the B1G1 group, and I have different education projects for different things going on. Every time I sell a book, I give a day’s worth of reading materials to girls in Cambodia. I think we’re up to 925 days of that. And we’re actually about to implement something with these Wine and Wisdom shows. I was hoping it would be ready ’cause I knew that you would love it, Aaron, but it’s not quite ready.

A – That’s all right, you’re making progress.

H – It’ll be ready for next time, so I’ll tell you all about it then . But I’ve got two more questions for you. The first one is, I know as a business owner right now, and I know you’ve said that you’re in a position where you’re being able to serve a lot of people who are struggling, whether that’s because they’re doing either really well and looking for opportunities or they have had mortgages through you and are struggling, and you’re probably taking on a lot of people’s stress, I would imagine, with that. You’ve got a young daughter, your family, you’re a business owner, what are you doing to keep your resilience bucket full? That’s what I’d love to know. What are the things that you do to be at a refuel and stay optimistic and creative and productive in your day?

A – Yes, I think at the start I was probably like everyone. I think it was quite heavy, so the conversations we were having were quite heavy ’cause the people that reached out were probably the most impacted, so it was a little bit harder. Then I guess when you come home, you come home to a 20-month-old and she just wants to hug and play. That means like the ultimate reset when you get home and you go, this is what matters. Sienna doesn’t matter if it’s a good day at the office, a bad day at the office, a challenging day, she just wants to play. And I guess having her in my life, if I didn’t, I would probably just be working like a donkey. Just ’cause there wasn’t much to do. But, yes, so I think for us coming home, being present with her. Like everyone talks about it, and now it sinks in when I come home that I feel like when I used to come home, family got like the latter part of me that wasn’t the best, and now I come home and I go, right, the phone can wait for a little bit. I want to come home, I want to chill out, I want to play. We play like small children, like I’m a dinosaur one minute, I’m racing a car the next. Thenwe go to the park and she– Kids are great, like even animals and pets are great, where they just want all your attention. It’s like almost beautifully selfish where they’ll want all your attention, and you can’t be like half here, half there. They want all of you. But for me, having her, having Sienna around, that’s beautiful for us. And yes, so that’s how I’m– I traditionally would’ve been like go to the gym, for example, so that’s probably something that has fallen off a little bit. I need a class, I need someone there to kind of push me, so I’ll probably– That’s dropped off a little bit as well. I think the other part is just being okay with it. Like normally I would’ve beat myself up about it, and like, no, no, it’s all right, you know? Like the gym will be there, it’ll reopen. I’ll turn up, I’ll support them. But for the time being, my energy is going into helping our customers and new customers. I’m getting them through this time, and when we’ve got more time, life will reset, and I’ll find a way to personally get back into the gym. But yes, for me, to answer your question, the whole resilience side and personal gratitude side comes from coming home to a little human.

H – Yes, and because she brings you joy, and having joy in your life is a big component of keeping your resilience at a good level. So no doubt she does that.

A – Yes, definitely.

H – All right, Aaron, final question, and to me, it is the most important one of the night. I’d love to know what the most impactful piece of wisdom that you have been told, handed down to you in your lifetime, and who is it from? And why was it so important to you?

A – Yes. I think mothers play such an important role. My dad was a very hard worker. And then my mom was kind of like a very deep thinker, so for her it was like, you do something, you do it well, and the other part is do it with integrity. So I think for us, we always– I got two other brothers, for example, I think raising boys is probably a real challenge. Mischievous young men. But mum was like, “If you go and do something, “do it to the best of your ability, “and then do it with integrity.” So I think for us, I’ve kind of carried that with me, especially what we do in dealing with people’s money and finances. I mean, act with the most integrity, so it doesn’t matter what your work is, if you’re playing with a straight bat, I think the results will come to you rather than take shortcuts. Yes, that’s my wisdom that I’ve been handed down and hopefully I’m living by it.

H – Wonderful. Yes, mums can be pretty amazing.

A – Absolutely, right? Absolutely.

H – Yes, yes, they can. Well, Aaron, thank you so much for being on tonight.

A – Thanks for having me.

H – For everyone who’s listening either right now or afterwards, which is the normal case, I’m going to put Aaron’s contact details in the comments below, so please reach out to him if you have any questions. I’m sure, Aaron, you’d be happy to just have any kind of conversation with anyone about what they’re doing in regards to mortgages, home loans, purchasing property, that type of thing. He’s a very generous soul, as you have seen tonight, so please reach out to him for a conversation about what your challenges or opportunities are, and he will certainly answer your questions no doubt. But thank you, everybody. Thank you for joining us for a little wine. Cheers to everybody. I hope you have a wonderful Wednesday night. I look forward to seeing you in two weeks time. Any questions you have after we hang up or whatever you say… I don’t know what you say. What do I do? I don’t hang up, I’m not on the phone.

A – Go offline is it?

H – Go offline, whatever that is. Please put them there and we’ll continue to go back and answer those questions, so good night, everybody. Have a lovely evening.

A – Thank you.

About Aaron Christie-David:

Aaron Christie-David is an award-winning mortgage broker and the co-founder of Atelier Wealth, a business established with his wife Bernadette.

As a mortgage broker, Aaron specialises in helping busy professionals buy their first investment property. He has seen it all financially, people with large property portfolios who are still unhappy to making first home buyers dreams come alive, when they thought they could never afford their own home.

Aaron’s outlook in life splits into three distinct categories:

  • Personally: being a husband and father
  • Professionally: seeking to be amongst the best within his industry
  • Philanthropy: doing good business by using his business to do good

Outside of work, Aaron loves to cook to unwind. He’s also recently enjoyed spending time in the garden and developing a green thumb. Aaron and Bernadette have been married for over 5 years and have a daughter, Sienna.

They recently made a sea-change from Sydney down to Thirroul to put down roots to raise their family. Becoming new parents, they realised how blessed their lives were and launched their ‘pay it forward’ initiative: ‘Home Loans for the Homeless’, donating 30 nights of shelter for every loan they organise.

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