Buying a home can be overwhelming — especially when life is messy. What if you’re going through a divorce? What if you’ve inherited a property? What if you just don’t know where to start?

Enter Antoinette Sagaria, powerhouse Buyer’s Advocate at Entourage Property. In this episode, she reveals how to make smarter, calmer, and far more strategic property decisions — no matter where you’re at on your journey.

From first‑time buyers finding their feet, to those starting over after separation, Antoinette takes the emotion out of buying and selling. You’ll learn why having a trusted advocate can save you money, time, and heartache, how to align your expectations with the reality of the market, and why every dollar you invest needs to work harder for you.

This one’s an absolute must‑listen for anyone dreaming of financial freedom through property — because buying well is how we build generational wealth.

Listen now and get ready to rewrite your own property story.

[00:00] Introduction & Acknowledgement of Country Welcome to My Happy Money Journey, Phoebe Blamey acknowledges traditional owners and sets the scene for this episode.

[01:00] Meet Antoinette Sagaria — Buyer’s Advocate at Entourage Property How Antoinette guides clients through buying, selling, and property management, focusing on making property a holistic part of their life.

[03:00] Property & Family Dynamics Antoinette shares her experience with family dynamics, succession planning, and renovations — making sense of inherited properties.

[06:00] Property Advice & Finance Why working with a Buyer’s Advocate from the start can save heartbreak down the track, especially in divorce or separation scenarios.

[08:00] Setting Realistic Property Expectations How Antoinette helps couples align their ideas about what to buy and where — making sure the search is a match for the market.

[10:00] Helping First‑Time Buyers & Divorcing Couples Why guidance is critical when starting fresh after separation, and making sure the next chapter is built on solid financial ground.

[14:00] The Role of Property in Generational Wealth Buying for long‑term stability, making smart decisions about inherited properties, and looking at the bigger picture of family wealth.

[18:00] Navigating the Sale of a Family Home Why an expert advocate can save money and reduce stress when splitting a household post‑divorce.

[22:00] Property as an Asset You Can Control How to balance emotion and financial reality when making big decisions about the family home or inherited property.

[26:00] The Importance of Tailored Property Advice Buying interstate versus in Victoria, making confident decisions, and knowing when and why you might diversify your investments.

[29:00] Final Thoughts and Best Advice Why a trusted team of professionals gives you the confidence to create long‑term, generational wealth and a happy money journey.

About Antionette:

#BuyingProperty #BuyersAdvocate #FinancialFreedom #PropertyInvestment #PropertyAdvice #DivorceAndProperty #FirstTimeBuyer #InvestmentProperty #WealthBuilding #HappyMoneyJourney #WomenAndWealth #PropertyTips #AustralianProperty #FinancialEducation #RealEstate

We talk about the real cost of ignoring your super, how to match your risk profile with your asset allocation, and why even if you’re within 5–10 years of retirement, it’s not too late to take control. Plus, Phoebe shares practical strategies like the transition to retirement pension, the carry-forward contribution rule, and how to audit your super like a boss.

Whether you’re catching up after a career break, planning to wind down work, or just want your super to actually perform, this episode is your permission slip to finally give it some love.

• Why your super is not a set-and-forget savings account

• How your risk profile and asset allocation affect your long-term returns

• The five main investor types and how to know which one you are

• What the accumulation and pension phases of super are—and why they matter

• How to use a transition to retirement strategy to save tax and keep your income flowing

• The carry-forward rule (aka the catch-up contribution hack) to boost your super and reduce your tax

• How to audit your super account: check your investment option, fees, insurance, and contributions

• The difference between scraping by and retiring like a queen (yes, it can be that dramatic)

• You can absolutely course-correct your super strategy, even in your 50s and 60s

• The “default” super option might be costing you thousands in missed growth

• Knowing your investing personality (aka risk profile) helps you make smarter, more aligned decisions

• The carry-forward rule is a tax-saving game changer—especially if you’ve had years off

• It’s your money. Let’s make sure it’s working for you.

• Book a Happy Hour Session: phoebeblamey.com.au

• Super risk profile tools (check with your super fund or financial adviser)

• ATO Superannuation Caps Info: ato.gov.au

• More about the Carry Forward Rule: ATO Catch-Up Contributions

Share it with a friend who’s been ignoring their super for years! Subscribe, leave a review, and follow for more real talk on money, mindset, and building wealth your way.

#superannuation #money #moneytips #budget #womenandmoney #podcast

Feeling behind on investing? Wondering if it’s too late, too risky, or just too complicated? In this episode of My Happy Money Journey, I walk you through the exact steps to start investing—no jargon, no pressure. We’ll cover how to choose the right investment types for your age and goals, explain what ETFs, shares, managed funds and index funds actually are, and talk about diversification, risk, and returns.

Whether you’re just getting started or finally ready to make your money work harder than your savings account ever will, this one’s for you.

What You'll Learn:

• Why cash is not king when it comes to long-term wealth

• What a Big Mac can teach you about inflation

• The difference between shares, ETFs, managed funds, and index funds

• How to choose investments based on your time horizon (not your anxiety level)

• What diversification really means (and why you already have more of it than you think)

• How tax works on different investments

• Why you should not check your portfolio every day

• My real-life story of a $10K investment that’s now worth $6K—and why I’m not panicking

Listener Takeaway: You don’t have to be perfect to be profitable—you just have to be curious and willing to start.

Sponsor: This episode is proudly brought to you by Entourage Finance and Property, helping Australians grow their wealth through home loans, property advocacy and car finance. Learn more at entourage.com.au

Disclaimer: The information in this episode is general in nature. For tailored financial advice, please speak with a licensed adviser or financial planner.