The Property Buying Hack For 25 to 35 Year Olds Who Want to Buy a House One Day… But Don’t Know How They’ll Ever Save a Deposit

Here’s How You Can Use the Share Market to Force Yourself to Save, Super Charge Those Savings… And Buy Your House Faster Than You Thought Possible

Let’s face it.

Property Prices are through the roof. Unless you have someone who is going to spot you the deposit, or you have a super high paying job, just the thought of saving a deposit, let alone buying a house, is getting further and further away. 

In September 2021, the median house price for all Australia was $994,579, with the median house of Sydney at $1,499,126.

Just a deposit of 10% is $99,457!

In this article, I’m going to share with you a bit of a hack that could see you save enough for your deposit, without struggling… in 3 to 5 years.

Sound good?

Now, of course, as you’ll see, you can fast track this and do it even sooner or you can do it slower. (I’ve provided a calculator below too so you can play around and see what works for you).  

Now, this strategy is particularly powerful, because:

Not only will it help you get into the property market,
it will give you an excellent education into investing in the share market at the same time.

These two things, combined with compounding, will overtime, see you generate more wealth than you might be able to imagine now. 

Let’s get started… 

(The following content is not a personal recommendation to buy any of the following companies as I am not taking your personal financial situation into account.)

Are you dreaming of one day owning your own home, but wondering how you’re ever going to be able to afford it? 

I bet you’ve probably had moments when it all felt hopeless. Especially over the past few years as house prices have continued to skyrocket. 

Here’s why it’s almost impossible to buy a house with wages alone…

Across Australia, wages have not kept up with inflation. Yet home prices (in most parts of Australia, and around the world) have risen 100%. And in some cases, more than 200%. 

Housing prices are not about to meaningfully decline. They may plateau or fall slightly, but housing prices, like all quality dollar producing assets, rise over time. 

So, how are you ever going to be able to afford to buy a house? Especially where the deposit alone will set you back $99,457?

An Counterintuitive Solution: Using Stock Investing to Create a Financial Snowball That Can Be Used to Supercharge Savings for a Deposit

Before I tell you about the strategy, I wan to share with you that I was able to use it myself to go from a waterskiing dirtbag to buying my dream beachfront house in Noosa. 

It’s also the same strategy that I’ve helped my own kids setup after looking at their situation and realising they’ve got buckley’s chance if they property market continues the way it’s going. 

Needless to say, the strategy works. 

To illustrate the strategy, I’ll share what I’ve done with my kids and what you can do yourself… And then go into a little more detail…

The numbers my kids have saved and earned is small and they are just getting started, but the point is their financial snowball is growing almost effortlessly. So there’s no reason you can’t use the strategy. 

My wife and I have 3 kids:

  • Luis (23)
  • Jack (20)
  • Abbey (18) 

Two years ago when Luis was 21, I realised that unless he started to compound money at a faster rate than what he was going to earn in the bank or a managed fund he was not going to be able to afford to buy his own home. 

In 2020, Luis was living in a tiny, one-bedroom flat in Sydney paying $525 per week. That’s $27,300 per year! That’s $81,900 over 3 years. That’s a deposit for a house right there.

So in 2020 I had him and my other 2 kids open investment accounts and asked them to deposit what cash they had in them.

The idea is to create a sort of ‘forced’ savings plan, that takes advantage of compounding to supercharge your savings.

What do I mean by Forced Savings?

Have you noticed that if you have an expense coming out each month, after a while, you get used to it and don’t miss it. It could be rent, your phone, netflix, whatever. Now, imagine you did that with your savings. So that each month, you had a certain amount automatically come out of your account. Not so huge that it’s painful, but something you can afford, or maybe stretches you just a little bit. The good thing is, you’re not ‘spending’ the money, so it’s not gone. You’re investing it, so it’s there if you ‘really’ need it (except in the very rare chance the market is wiped out). 

The other advantage this setup has is that it puts a buffer between you and your savings. Have you ever noticed that if you have easy ‘tap and pay’ access to your money, it’s easy to spend? However, put even a little barrier between you and it and although it’s there, the effort to get it outweighs the instant gratification of buying something you don’t need. 

Using Compounding to supercharge your savings…

Albert Einstein called compound interest the “eighth wonder of the world,”.

He said, “he who understands it, earns it; he who doesn’t, pays for it.”

So what is compound interest and why you need to use it? 

Compounding is when the earnings of an asset (in this case shares), are reinvested to generate additional earnings over time.

Let’s have a look at what that means.

Let’s say you save $1000 a month.

In 12 months, you’ll have $12,000.

In 5 years you’ll have $60,000.

Now, let’s have a look what happens when you earn 10% on your money each year.

You don’t end up with $66,000. This is because you’re not only earning 10% on your capital each year, you’re also earning interest on the interest.

The result is $80,587.

Now let’s double the amount of time to 10 years and see what happens.

The result isn’t double $80,587 = $161,174.

The result is $210,374!

(Spend some time on the calculator below and you’ll really start to see how powerful compounding can be).

So, back to the strategy. Here are the results 18 months on…

  • :Abbey initially deposited $2000 in her account. Today it is $3600. That’s a gain of 80% in 18 months. Abbey has not added to her initial investment of $2000 but is now ready to add another $500 and will soon have a part time job to add money each quarter.


  • Jack deposited approximately $3000. Today his account is $10,215. Jack is at college in the USA and had a part time job over the US summer and was able to drip feed around $3000 into his account during the summer of 2021. His gain has been a little over 70% in 18 months and Jack is continuing to add around $500 per month to his account.


  • Luis deposited an initial $10,000 from his savings and over the past 18 months with his fiancé they have drip fed approximately $20,000 into the account. Their portfolio is around $45,000 with an overall gain of around 50% for the past 18 months. Luis did take a slightly more conservative approach to Jack and Abbey buying an S&P 500 ETF with some of his initial funds.
    What he also did was take up an offer from his employer Lululemon, whereby a percentage of his wages goes towards buying company shares. This investment is now worth $6000 on top of the $45,000 and he never saw or missed the money from his wages.  Luis was able to get an online job with Lululemon, which has allowed him to move back home and he and his fiancé are no longer paying $27,000 a year in rent and any spare cash can be invested instead.

Now, of course, my kids had the old man (me) to guide them into what companies to own that would get their portfolio moving… but I can tell you there was no leverage used, no derivates and no high-risk investments. I simply had them buy exactly the same companies my clients and our Trading Mastery portfolio own.  

What I was able to do however, which has had a sizeable impact, was to tell them:

  • WHEN to buy the shares and
  • HOW to apportion their portfolio correctly 

This was and will continue to be the key when it comes to their future returns. Knowing what to buy and when to buy more shares. 

But here is the exciting thing…

If they can just continue to add $3000 annually to their investment accounts until they reach aged 30, provided they can continue to earn an average of 15% (which I am very confident they can), their investments will grow to: 

  • Abbey = $114.520.97
  • Jack = $109,558.02
  • Luis = $162,081.60

(This is share price gain only and does not take into consideration dividends they will also receive.)

Adding $3000 per year is conservative, they should be able to add $5000 or more. By 30 they will have earned more than enough for a house deposit if they want to cash out and they will sacrifice very little in terms of their lifestyle along the way. 

What about if they simply continued to add $3000 per year and left the investments to grow until they were aged 50 and earned the same annual return.

Here is the incredible result.

  • Abbey = $2,607,105.84
  • Jack = $2,509,258.88
  • Luis = $5,554,372.40

There is no question they can add $3000 per year, but some will question if they could achieve 15% per annum. 

Keep in mind if they put their money in an S&P 500 ETF, they will likely achieve 10% per annum on average (as this is the long-term historical average for the S&P 500 over 30 years). 

Do I think I can improve on that 10% by actively picking stocks at the right time and have them earn another 5% over the bench market average each year? Absolutely yes! 

In the past two years, my personal portfolio has grown 90% and their own portfolios grew between 50% – 80%. (Now, the last 2 years haven’t been exactly normal, but if we look at the last decade of my annualised returns and use that as a benchmark, it comes to 21.7% per year). 

The bottom line is they have a giant head start with their returns in the first 18 months. 

Plus, there is one MASSIVE advantage they have going forward that the average investor loses… 

They WILL NEVER  have any money managers taking fees
every year to drag down their performance.

Fee gouging fund managers and financial planners take the cream off the cake of every investor yet they add zero in returns over and above the index average, which you can earn every year. 

My kids will NEVER pay these outrageous fees and it will make a massive difference over time to their end returns.

If you are a young Australian and want to create a bright financial future where you own your own home and don’t have to worry about money, then do yourself a favour and DO NOT fall into the financial spiral that millions of young Australians are falling into.

Get investing today and start the snowball growing now!

So let’s have a quick look at some examples. 

Let’s say you want to save a 10% deposit on the median Sydney house price. That’s going to be $99,457. 


And we use the following numbers… 

Initial capital: $15,000
Monthly Savings: $550
Interest: 21.7%
Duration: 5 Years 

You would end up with: $101,846


Now, you might be saying, ‘AB, I want to save 20% deposit ($198,914) so I don’t have to pay mortgage insurance’. 


I’ve got $20k of savings to get started with and I think I could put in a bit more each month. 

Let’s have a look at what that might look like… 

Initial capital: $20,000
Monthly Savings: $1300
Interest: 21.7%
Duration: 5 Years 

You would end up with: $199,469


The ideas is to play with the calculator below to see what works for you. But, get started! 

Don’t know where to start? Don’t worry. We’ve got tons of free information on tradingmastery.com.au (including a free Intro to Investing Mini Course) and also run Free Live Trainings that you can come along to and ask any questions you may have. 

The bottom line is… 

Take Action Today! If you don’t, you’ll be reading this update again next year and wishing you’d done something 12 months ago. 

Get the snowball rolling. Today! 

I’ve included a compound interest calculator below so you can have a play with some different figures. 

You’ll also find an invitation to join me for a special webinar and training session where I go into more detail of the strategy and walk you through step by step to help you get started. 

And how to build a portfolio of international growth companies. Be sure to register today.

Compound Interest Calculator: Discover How Long Will It Take To Save Your Deposit

Calculate How Much You Need to: 


  • Start with 

  • Invest Each Month 

  • And the Return You Need 

…To Save a Deposit 




Here’s What To Do Now…

If you’re concerned about how you’re ever going to be able to save enough to buy a home in the future, then you’re going to love this. 

I’ve created a free training below that walks you through the above process in detail, so you can get yourself on the path to financial independence today! 

I’m going to share with you exactly what I’m doing with my kids right now, to help them earn and save enough money over the next 5 years to be able to afford their own first home. 

I’m going to share with you a process that you can begin right now, that will allow you to start drip feeding some money into the financial markets as an independent investor (away from financial planners, brokers and fund managers). Even if you’ve never invested before. 

Plus I’m going to show you how you can do it in an easy, realistic manner that over the course of the next 5 or 10 years could see you achieve some really meaningful gains. 

And by meaningful gains, I mean: 


  • Save enough money for that first home buyers deposit (that is often so elusive to so many people because home prices today are simply out of the reach of many young folks).
  • Save $100k or more, in the next 10 years (even if you’re just out of school).
  • Be well on your way to financial independence and do it by age 30 (so you can not only afford your first home, but compound that money into the future as well).
  • Discovering how to compound money while you’re young will be one of the most powerful things you learn when it comes to your finances. So, watch this free presentation now and get started.

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