This week, we’re diving into something that doesn’t get talked about enough in property investing: what to do when you’re excited to invest… but you’re just not ready yet.

Maybe your borrowing power isn’t strong enough.

Maybe your deposit needs more time.

Maybe lending criteria has shifted.

Maybe life is changing — new job, growing family, reduced income.

And emotionally? It can feel frustrating.

In this episode, Bob normalises that experience and explains why waiting isn’t weakness — it’s discipline.

We unpack:

• Why borrowing power and deposits are only part of the equation
• The danger of “I just need to buy something”
• How buying the wrong property at the wrong time can set you back years
• Why foundations and structure matter more than speed
• Most importantly, we break down the 3 Phases of Every Successful Wealth Journey:

1️⃣ Acquisitions Phase

Building assets, leveraging smartly, saving hard, expanding your portfolio — often sacrificing short-term comfort for long-term gain.

2️⃣ Consolidation Phase

Paying down debt, improving servicing, strengthening your balance sheet, letting equity grow. It’s not flashy — but it’s powerful.

3️⃣ Lifestyle Phase

Reduced debt, increasing passive income, assets supporting your choices, and work becoming optional.

The key insight?

You don’t move through these phases once. You move in and out of them throughout your journey.

Bob also shares one of his favourite lines from Sam Saggers:

“You can have an easy life now and a hard life later, or a hard life now and an easy life later. The choice is yours.”

If you’re feeling stuck, delayed, or held back by circumstances — this episode will help you reframe where you are and focus on the smartest move for right now.

Because sometimes the win isn’t buying today.

Sometimes the win is buying better later.

Progress doesn’t always look exciting.

Sometimes it looks like preparation.