$40,000 Is All You Need to Retire Through Property

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What if retiring through property wasn’t just a dream but a proven path anyone could follow? In this episode, we unpack a real-life property journey that started with just $40,000 and grew into full financial independence through strategic real estate investing.

Meet Barney Ellevsen, a former music teacher who, alongside his wife Ruth, built a multi-property portfolio from modest beginnings to retiring in his early 50s. From buying a first fixer-upper to navigating lending changes, family doubts, market cycles, and wealth-building as a couple, Barney shares the raw truth behind long-term property success in Australia. This isn’t theory. It’s decades of lived experience.

In this episode, you’ll learn:
How to buy your first investment property in Australia
Building a portfolio with limited cash
Using equity and cash flow to scale
Investing as a couple without conflict
Why timing the market matters less than time in the market

If you’re serious about property investing, this episode is your blueprint.

Subscribe and drop your biggest takeaway in the comments.

Key Moments:
00:00 From $40K to Property Freedom
03:05 The $250K Renovation Breakthrough
05:15 Do You Need a Big Deposit to Start?
08:15 Investing as a Couple: Why Alignment Matters
10:40 Should You Check With Your Partner Before Buying?
14:20 Is Your Relationship Strong Enough to Build Wealth?
17:50 Risk-Taker vs Risk-Averse: Making Deals Together
22:15 How Life Seasons Shape Your Property Strategy
24:25 Learning Property the Hard Way
27:10 How Investors Bought Before the Internet
30:35 Is It Too Late to Start in Your 40s?
34:30 Why Waiting Makes Borrowing Harder
38:55 Can You Still Retire Through Property Now?
41:50 The Great Divide: Owners vs Renters
45:35 The Bank of Mum and Dad Explained
48:20 Should You Wait for a Market Crash?
52:10 Handling Market Cycles and Black Swan Events
54:40 Why Property Rewards Patience
57:10 Final Advice for First-Time Investors

About Aaron:

Aaron-Christie David founded Atelier Wealth, a Mortgage & Finance Association of Australia (MFAA) approved Mortgage Broker. Aaron’s focus is clear – supporting property investors to make confident decisions to build their property portfolio. He has been recognised in the MPA Top 100 Broker rankings for the last three years.

With over 10 years of financial services experience, with a career spanning Wizard Home Loans and Commonwealth Bank, Aaron's decision to become a broker was to help more Australians fearlessly buy investment properties to achieve intergenerational wealth.

Connect with Aaron:

Visit the website: https://atelierwealth.com.au/

Follow the Australian Investment Property Podcast’s Official Instagram account:   / aupropertyinvestmentpodcast  

Follow Aaron on Facebook:   / aaronchristiedavid  

Follow Aaron on LinkedIn:   / aaronchristiedavid  

Subscribe to Atelier Wealth’s YouTube Channel:    / @atelierwealth_au  

About Barney Ellevsen:

Barney Ellevsen is a seasoned Australian property investor and licensed buyer’s agent with over 30 years of real estate experience, combining practical investing success with deep market knowledge. He has built his own multi-million-dollar property portfolio and now leads Sterling Property Buyers, a boutique agency helping investors and homebuyers secure high-growth, cash-positive properties across Australia.

Barney’s expertise spans residential, investment, commercial, renovation and multi-unit properties, and his tailored, data-driven approach empowers clients to make informed decisions and achieve long-term financial freedom. He personally guides every client through the buying process, providing strategic insights and support from search to settlement.

Connect with Barney Ellevsen:

Visit the website: https://sterlingpropertybuyers.au/

Follow Barney Ellevsen on LinkedIn:   / barney-ellevsen-9229b0246  

Follow Barney Ellevsen on Instagram:   / barneyellevsen  

Follow Barney Ellevsen on Facebook:   / barney.ellevsen  

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