From Why to Wealth

Gabriel Mikha
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Welcome to the From Why to Wealth Podcast, where we discuss topics from home loans to managing debts and building wealth to last you and your loved ones a lifetime.Join us in each episode to gain knowledge and strategies from certified financial experts and learn the intricacies of managing your money and time effectively.

  1. 09/23/2025

    How to Pay Off Your Mortgage Faster in Australia (2025) | Ep. 13

    Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/ ----- In this episode, join Gabriel Mikha, Finance Broker, as he answers one of the most common homeowner questions in 2025: should you pay off your mortgage faster, or just stick to the minimum repayments? The short answer? For your own home, there’s almost never a bad reason to pay it down sooner—the only question is how you do it. He shares seven smart strategies to cut years and thousands in interest off your home loan—from extra repayments and offset accounts, to choosing redraw or line of credit, and why HECS/HELP can wait. He also shares some examples on how as little as $150 extra a fortnight could save nearly four years on a 30-year mortgage. If you’re serious about saving time, saving money, and building equity faster so you can invest sooner, this episode will give you the tools to get mortgage-free years ahead of schedule. -----   SHOW NOTES LINKS https://au.linkedin.com/in/gabriel-mikha-15727979   -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/4gt1A94 Apple Podcast: https://apple.co/4gtRHbe Amazon Music: https://amzn.to/4f85Ol4   -----   FIND US HERE   Facebook: https://www.facebook.com/profile.php?id=100069349250230  LinkedIn: https://www.linkedin.com/company/isav-group/  Instagram: https://www.instagram.com/thefinanceco.group/  TikTok: https://www.tiktok.com/@fromwhytowealth  YouTube: https://www.youtube.com/@fromwhytowealth/     -----   CONTACT US   Email: info@thefinanceco.group  Contact No.: 02 8004 5020   ----- TIME STAMPS: 00:00 Hook/Intro 00:49 Step-by-Step Guide to Mortgage Repayment Strategies  03:11 Offset Accounts and Redraw Facilities 06:14 Managing Low-Interest Debts and Final Recommendations 06:53 Outro -----    DISCLAIMER   The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

    7 min

  2. 08/25/2025

    Why your home loan will be REJECTED in 2025 | Ep. 12

    Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/ ----- In this episode, join Gabriel Mikha, Finance Broker, as he uncovers the real reasons why home loans are getting rejected in 2025  and how you can avoid them. From risky spending habits and hidden lifestyle costs, to blacklisted properties, unused credit cards, and even the fine print of pre-approvals, Gabriel breaks down the predictable traps that can derail your application. He shares the eight biggest red flags banks look for, why pre-approval isn’t a guarantee, and the simple steps you can take now to clean up your finances, boost your borrowing power, and stack the odds in your favour. If you’re planning to buy a home in the next 12 months, this episode will show you how to get loan-ready, avoid costly mistakes, and move forward with confidence. -----   SHOW NOTES LINKS https://au.linkedin.com/in/gabriel-mikha-15727979   -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/4gt1A94 Apple Podcast: https://apple.co/4gtRHbe Amazon Music: https://amzn.to/4f85Ol4   -----   FIND US HERE   Facebook: https://www.facebook.com/profile.php?id=100069349250230  LinkedIn: https://www.linkedin.com/company/isav-group/  Instagram: https://www.instagram.com/thefinanceco.group/  TikTok: https://www.tiktok.com/@fromwhytowealth  YouTube: https://www.youtube.com/@fromwhytowealth/     -----   CONTACT US   Email: info@thefinanceco.group  Contact No.: 02 8004 5020   ----- TIME STAMPS: 00:00 Hook/Intro 01:49 Common Causes of Home Loan Rejections 02:57 Additional Factors Affecting Loan Approval 04:11 Practical Steps to Avoid Loan Rejection 04:27 Final Advice 04:37 Outro -----    DISCLAIMER   The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

    5 min

  3. 07/21/2025

    What Australian Schools Fail to Teach Your Kids About Money | Ep. 11

    Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/ ----- In this episode, join Gabriel Mikha along with Andrew Ghaname, Finance and Mortgage Broker, and Andrew Willis, Senior Finance Broker, dives deep into the troubling reality of financial literacy in Australian schools, revealing how essential life skills like budgeting, taxes, and investing remain absent from the curriculum.  They talk about why textbooks fail students in preparing for real-world finances, the surprising disconnect between having a job and understanding money, and how misinformation on social media shapes young people's financial decisions. They also discuss practical solutions like simulated trading accounts for teenagers, the crucial role families play in financial education, and why learning about financial literacy can radically transform a young person's future. If you want to empower your kids, or yourself, to build genuine financial knowledge, avoid costly mistakes, and take control of your financial future, make sure to listen to this episode! -----   SHOW NOTES LINKS https://au.linkedin.com/in/gabriel-mikha-15727979  https://au.linkedin.com/in/andrew-ghaname-38b6b6321  https://www.linkedin.com/in/andrew-willis-741b441b8/  -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/4gt1A94 Apple Podcast: https://apple.co/4gtRHbe Amazon Music: https://amzn.to/4f85Ol4   -----   FIND US HERE   Facebook: https://www.facebook.com/profile.php?id=100069349250230  LinkedIn: https://www.linkedin.com/company/isav-group/  Instagram: https://www.instagram.com/thefinanceco.group/  TikTok: https://www.tiktok.com/@fromwhytowealth  YouTube: https://www.youtube.com/@fromwhytowealth/     -----   CONTACT US   Email: info@thefinanceco.group  Contact No.: 02 8004 5020   ----- TIME STAMPS: 00:00 Hook/Intro 01:05 Learning Financial Literacy 01:48 Where Financial Literacy Starts 04:11 Real-World Financial Lessons in Schools 13:09 Impact of Technology on Education 17:30 Implementing Financial Literacy in schools 27:17 The Role of Entrepreneurs in Education and The Need for Practical Financial Education 30:07 Conclusion/Outro -----    DISCLAIMER   The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

    32 min

  4. 06/23/2025

    If I Had $150K in ATO Debt, This is Exactly What I’d Do | Ep. 10

    Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/ ----- In this episode, we’re joined by Peter Wyszenko, Managing Director of APICKLE, a firm that specialises in informal debt restructuring solutions that help Australian businesses regain control, protect their assets, and avoid liquidation. We talk about why compounding liabilities like ATO debt, unsecured loans, and personal guarantees are catching business owners off guard, how the ATO is ramping up collections with over 52,000 Director Penalty Notices issued, and why communication—not silence—is the key to surviving financially. We also break down how SBR works step-by-step, what most people misunderstand about credit reports post-restructure, and how business owners can still refinance or buy property even after going through formal restructuring. If you want to protect your financial future, avoid the mistakes that lead to personal liability, and learn how to turn short-term debt stress into long-term opportunity, then make sure to listen to this episode! SHOW NOTES LINKS https://www.linkedin.com/in/apickle/ https://apickle.com.au/ https://www.instagram.com/apickle.com.au/ https://www.linkedin.com/company/apickle/ https://www.facebook.com/picklemoney https://au.linkedin.com/in/gabriel-mikha-15727979   -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/4gt1A94 Apple Podcast: https://apple.co/4gtRHbe Amazon Music: https://amzn.to/4f85Ol4  -----   FIND US HERE   Facebook: https://www.facebook.com/profile.php?id=100069349250230  LinkedIn: https://www.linkedin.com/company/isav-group/  Instagram: https://www.instagram.com/thefinanceco.group/  TikTok: https://www.tiktok.com/@fromwhytowealth  YouTube: https://www.youtube.com/@fromwhytowealth/  -----   CONTACT US   Email: info@thefinanceco.group  Contact No.: 02 8004 5020 ----- TIME STAMPS: 00:00 Intro/Hook 01:03 Introduction of Guest 01:20 Small Business Restructuring (SBR) Overview 03:43 Impact of ATO Debts on Businesses 06:33 Process and Benefits of SBR 10:10 Role of Commercial Brokers and Insolvency Practitioners 23:09 Emotional and Practical Considerations 23:36 Future Borrowing and Financial Stability 24:46 Mistakes to Avoid After SBR 32:51 Conclusion and Final Thoughts/Outro -----    DISCLAIMER   The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

    36 min

  5. 05/19/2025

    I Helped a 23-Year-Old Turn $50 Into $700K (Here’s How You Can Too) | Ep. 09

    Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/ ----- In this episode, we’re joined once again by Ray Regmi and Dean Desoukey, financial advisers from Ryker Capital, for Part 2 of our conversation on building long-term wealth through smart, practical strategies. Ray and Dean talk about how one of their clients turned $50 into $700,000 in super, why salary sacrificing is more than just a tax-saving tool, and how most Aussies completely miss the opportunity to set themselves up early, even while earning a good income. They also break down why it’s never too late to start, how to build a retirement plan even if you’re already in your 50s, and the surprising truth about superannuation that no one teaches you in school. If you're an aspiring homeowner, a young professional trying to get ahead, or a first-time investor wanting to build real wealth, don’t miss this episode. SHOW NOTES LINKS https://au.linkedin.com/in/dean-desoukey  https://www.linkedin.com/in/ray-regmi-3a267539/  https://rykercapital.com.au/  https://www.linkedin.com/company/ryker-capital/  https://web.facebook.com/RykerCapitalFinancialPlanning/  https://www.instagram.com/rykercapital/  https://www.tiktok.com/@rykercapital   -----   LISTEN TO THE PODCAST   Spotify: https://spoti.fi/4gt1A94 Apple Podcast: https://apple.co/4gtRHbe Amazon Music: https://amzn.to/4f85Ol4   -----   FIND US HERE   Facebook: https://www.facebook.com/profile.php?id=100069349250230  LinkedIn: https://www.linkedin.com/company/isav-group/  Instagram: https://www.instagram.com/thefinanceco.group/  TikTok: https://www.tiktok.com/@fromwhytowealth  YouTube: https://www.youtube.com/@fromwhytowealth/     -----   CONTACT US   Email: info@thefinanceco.group  Contact No.: 02 8004 5020   ----- TIME STAMPS: 00:00 Hook 01:25 Introduction 02:55 Salary Sacrificing and Tax Benefits 09:39 Strategies for Different Age Groups 16:18 Strategies for a 55-year-old 17:48 Importance of Superannuation 20:56 Long-Term Financial Planning 25:49 The Importance of Professional Advice 29:07 Conclusion/Outro -----    DISCLAIMER   The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

    30 min

  6. 04/22/2025

    How the First Home Super Saver Scheme Could Fast-Track Your Property Dreams | Ep. 08

    Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/ ----- In this episode, join me, Gabriel Mikha, along with Ray Regmi and Dean Desoukey from Ryker Capital, as we talk about how the First Home Super Saver Scheme can help first-time buyers accelerate their journey into the property market. We discuss why starting your financial journey early, even as young as 15, can set you up for long-term wealth, how to think in terms of “micro speed and macro patience” to build disciplined savings habits, and how the FHSSS helps you lock away money without the temptation to spend. We also talk about how to use the scheme to gain tax advantages while you save, why budgeting is the non-negotiable first step before contributing to your super, and how real-life case studies show couples fast-tracking their home savings with a strategic combo of voluntary super contributions and tax deductions. If you want to take advantage of one of Australia’s most underutilised tools for first-home buyers and finally feel confident you’re moving toward home ownership, then make sure to listen to this episode! ----- SHOW NOTES LINKS https://au.linkedin.com/in/dean-desoukey https://www.linkedin.com/in/ray-regmi-3a267539/  https://rykercapital.com.au/ https://www.linkedin.com/company/ryker-capital/ https://web.facebook.com/RykerCapitalFinancialPlanning/ https://www.instagram.com/rykercapital/ https://www.tiktok.com/@rykercapital   ---- LISTEN TO THE PODCAST Spotify: https://spoti.fi/4gt1A94 Apple Podcast: https://apple.co/4gtRHbe Amazon Music: https://amzn.to/4f85Ol4 ----- FIND US HERE Facebook: https://www.facebook.com/profile.php?id=100069349250230 LinkedIn: https://www.linkedin.com/company/isav-group/ Instagram: https://www.instagram.com/thefinanceco.group/ TikTok: https://www.tiktok.com/@fromwhytowealth YouTube: https://www.youtube.com/@fromwhytowealth/  ----- CONTACT US Email: info@thefinanceco.group  Contact No.: 02 8004 5020 ----- TIME STAMPS: 00:00 Intro/Hook 00:49 Introduction to Guests and Initial Discussion 02:47 Details of the First Home Super Saver Scheme 05:58 Case Study and Practical Application 10:09 Tax Implications and Financial Planning 21:28 Eligibility and Additional Considerations 28:58 Conclusion and Final Thoughts/Outro ----- DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

    30 min

  7. 03/24/2025

    2025 Market Trends, Investment Opportunities & the Future of Homeownership| Ep. 07

    Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/ ----- In this episode, join me, Gabriel Mikha, along with Andrew Ghaname, Finance and Mortgage Broker at The Finance Co. Group, and Jason Mikhail, Licensed Sales Agent at The Property Co. Group, as we break down the latest real estate trends in New South Wales and the key factors driving the market. We talk about why housing supply is surging in key markets and how it’s affecting prices, the unexpected shift in buyer preferences toward townhouses and apartments, and why many property owners are finding it harder to move due to changing mortgage conditions. We also discuss why some buyers migrate to regional areas only to move back, how misleading real estate statistics can cause panic buying or selling, and why forming the right relationships with brokers and agents can make or break your investment decisions. If you want to stay ahead of the curve and make smarter property decisions, whether you’re a first-time homebuyer, investor, or someone looking to refinance, then make sure to listen to this episode! ----- SHOW NOTES LINKS https://jasonmikhail.com/ https://au.linkedin.com/in/jason-mikhail-79a8587b https://facebook.com/jasonmikhailre/ https://www.instagram.com/jasonmikhail_re/ https://au.linkedin.com/in/gabriel-mikha-15727979 https://au.linkedin.com/in/andrew-ghaname-38b6b6321 ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/4gt1A94 Apple Podcast: https://apple.co/4gtRHbe Amazon Music: https://amzn.to/4f85Ol4 ----- FIND US HERE   Facebook: https://www.facebook.com/profile.php?id=100069349250230 LinkedIn: https://www.linkedin.com/company/isav-group/ Instagram: https://www.instagram.com/thefinanceco.group/ TikTok: https://www.tiktok.com/@fromwhytowealth YouTube: https://www.youtube.com/@fromwhytowealth/   -----   CONTACT US   Email: info@thefinanceco.group  Contact No.: 02 8004 5020   ----- TIME STAMPS: 0:00 Intro 1:18 Market Trends and Investment Opportunities in New South Wales  3:45 Regional Property Trends and Lifestyle Changes  7:10 Property Types and Affordability  14:06 Investment Opportunities in Residential and Commercial Real Estate  21:48 Market Drivers and Government Policies  24:18 The Role of Real Estate Agents and Brokers  26:24 Conclusion/Outro -----   DISCLAIMER   The informatio

    27 min

  8. 02/26/2025

    Buy, Build, or WAIT? What Every Property Investor Needs to Know Now in 2025 | Ep. 06

    Experience a simple, fast, stress-free loan process tailored to your financial needs. Contact us at https://www.thefinanceco.group/ ----- In this episode, join me, Gabriel Mikha, along with Andrew Ghaname, Finance and Mortgage Broker at The Finance Co. Group, and Jason Mikhail, Licensed Sales Agent at The Property Co. Group, as we discuss the current state of real estate development and the challenges shaping the market. We talk about why rising build costs, skyrocketing finance rates, and supply chain issues make many projects unfeasible, how developers adapt to new regulations and approval delays, and what the shift from Class 2 to Class 1 developments means for investors and homebuyers. We also discuss alternative building methods like 3D-printed homes and foam-based structures, why interest rate hikes have tripled financing costs, and how experienced developers weather the perfect storm to stay profitable. If you want to access expert insights into the evolving real estate landscape and learn strategies to navigate today’s challenges, then make sure to listen to this episode! ----- SHOW NOTES LINKS https://jasonmikhail.com/  https://au.linkedin.com/in/jason-mikhail-79a8587b  https://facebook.com/jasonmikhailre/  https://www.instagram.com/jasonmikhail_re/  https://au.linkedin.com/in/gabriel-mikha-15727979  https://au.linkedin.com/in/andrew-ghaname-38b6b6321   ----- LISTEN TO THE PODCAST Spotify: https://spoti.fi/4gt1A94 Apple Podcast: https://apple.co/4gtRHbe Amazon Music: https://amzn.to/4f85Ol4   ----- FIND US HERE Facebook: https://www.facebook.com/profile.php?id=100069349250230  LinkedIn: https://www.linkedin.com/company/isav-group/  Instagram: https://www.instagram.com/thefinanceco.group/  TikTok: https://www.tiktok.com/@fromwhytowealth  YouTube: https://www.youtube.com/@fromwhytowealth/     ----- CONTACT US Email: info@thefinanceco.group  Contact No.: 02 8004 5020   ----- DISCLAIMER The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.

    32 min
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About

Welcome to the From Why to Wealth Podcast, where we discuss topics from home loans to managing debts and building wealth to last you and your loved ones a lifetime.Join us in each episode to gain knowledge and strategies from certified financial experts and learn the intricacies of managing your money and time effectively.

Information

  • Creator
    Gabriel Mikha
  • Years Active
    2024 - 2025
  • Episodes
    13
  • Rating
    Clean
  • Copyright
    © 2025 From Why to Wealth
  • Show Website
    From Why to Wealth