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Matthew’s journey from property investment client to consultant

At Capital Properties, we pride ourselves on not only helping Australian Defence Force (ADF) members achieve their property investment goals but also on nurturing and supporting our clients beyond their service years.

Matthew Bondarczuk’ s journey is a testament to this commitment. Starting out as a client of Capital Properties, Matthew has transitioned to a pivotal role as a Property Consultant within our expert team. Looks like he saw something in us, just as we did in him! This is his story.

Our free Capital Properties Discovery Session is designed to help you make informed investment choices and take advantage of the various entitlements for Defence members.

You can click on the link to book, visit our website, or call 1300 653 352 to speak to Matthew or another Capital Properties expert.

On the go? Here’s 30 seconds of take outs:

  • Matthew Bondarczuk served 10 years in the Royal Australian Navy.
  • He acquired qualifications in Leadership, Business, Engineering, & Risk Management & is completing a Bachelor of Business, majoring in property & development.
  • Matthew received the Navy Innovation Award for the research study: “Financial Education – A Critical Retention Tool for the Royal Australian Navy”.
  • Matthew became a client of Capital Properties between 2016 & 2017, then transitioned to a role as Property Consultant in 2024.
  • His passion for property investment & dedication to helping others achieve financial stability make him a valuable asset to the Capital Properties team.

Keep reading >>

Meet Matthew Bondarczuk

Matthew grew up in sunny Perth, Western Australia, At the age of 17, he pursued his dream of joining the Australian Defence Force, fulfilling that ambition with distinction by serving for 10 years in the Royal Australian Navy as both a sailor and an officer.

Not one to rest on his laurels, Matthew pursued extensive education in the Navy, completing multiple engineering qualifications and associated diplomas in leadership and project management. He was awarded the Navy Innovation Award for his paper submission and research study titled “Financial Education – A Critical Retention Tool for the Royal Australian Navy.” 

The Former Chief of Navy Michael Noonan testified that “Matt is a dedicated, highly respected, and widely experienced Naval Officer. With qualifications in Leadership, Business, Engineering, and Risk Management, he is a very versatile leader and Defence professional. Matt is driven and conscientious and goes out of his way to help others.”

What drives Matthew

Matthew is an avid traveller and 4WD enthusiast. But giving back is where he finds true satisfaction.  He dedicates his spare time to volunteering, assisting veterans, and representing the Australian Veteran Alliance in the DVA Young Veterans Contemporary Needs Forums.

Not one to shy away from challenges, Matthew will admit that one of his most onerous experiences was completing the clearance diver assessment in the winter of 2018. This rigorous process tested his physical and mental limits, but it also solidified his resilience and determination. And it’s that same grit that impressed us here at Capital Properties when we first had the pleasure of meeting him.

Transitioning to Capital Properties

Matthew became a client of Capital Properties between 2016 and 2017 when he sought out the guidance of our strategic property investment services. Matthew’s first impression of Marcus Westnedge (Owner of Capital Properties) was that he was easy-going, switched-on property expert, whose expertise and approachable nature made a lasting impression.

And Marcus could see that Matthew had a very similar vision to his own when it came to building a brighter future for himself and his family, as well as a drive to help others in the ADF achieve their future financial success.

From Client to Consultant

Matthew believes that serving our nation is crucial and often undervalued. He saw the potential of leveraging Australian property as a growth asset to provide financial stability post-service. His own successful property transactions ignited a passion for property investment, leading him to dedicate himself to helping others achieve similar success. To ensure his proficiency, he’s currently three-quarters of the way through a Bachelor of Business, majoring in property and development.

So, when Matthew joined the Capital Properties team as a Property Consultant in 2024, we knew his firsthand experience as a client meant he had a clear understanding of Capital Properties operations, values, and dedication to our clients’ success. And his experience and education give him unique insights into the challenges and opportunities faced by ADF members choosing to invest in property. All of which meant his transition into the Property Consultant role at Capital Properties was seamless.

Matthew’s property investment success

Capital Properties helped Matthew achieve his goals through strategic investment planning and emphasising the importance of time in the market rather than trying to time the market.

Together with his wife Brehanna, they’ve built a substantial portfolio while maintaining a healthy lifestyle balance. This personal success story is a testament to the effectiveness of Capital Properties’ property investment strategies. And it’s meant that Matthew has been able to enjoy a successful balance between professional growth and personal fulfillment.

Matthew highlights three key elements that make Capital Properties stand out:

  1. The widely experienced and personable Capital Properties team
  2. The new Capital Properties office in Coolum
  3. Making a positive impact on the ADF/veteran community

Matthew’s property advice for ADF Members

Matthew believes that property investment in Australia can be incredibly empowering as a growth asset, and he emphasises the importance of diversifying your strategy to include a balance of cash flow and capital growth.

But, before you do anything, book in for a FREE Discovery Session. Matthew agrees that it really is the best place to start your property investment journey. Then, he advises establishing a savings goal and setting up a locked (two-to-sign) savings account with someone you trust. This discipline can significantly accelerate your savings and investment journey.

When it comes to making that all-important property investment purchase, Matthew advises removing emotion from the buying process and engaging a professional. Emotional decisions can lead to overpaying, while data-driven decisions ensure informed investments.

And get to know your entitlements. ADF members benefit from a low-cost living lifestyle, housing subsidies, corporate partnerships with lenders for preferential rates, and significant concessions in certain states/territories, which can save up to $50,000 in some cases. These advantages make property investment an especially beneficial strategy for ADF members. Check out Defence Force loans and entitlements here.

On a personal level, Matthew, his wife Brehanna, and their daughter Morgan plan to travel around Australia over the next few years. The plan is to settle down in the NSW alpine region while continuing their property investment journey to build generational wealth. And we wouldn’t be surprised if one of his investments included a winery as he’s been itching to learn winemaking.

Right now though, Matthew aims to assist others in unlocking their financial futures through strategic property investment, helping them achieve long-term financial freedom.

Matthew’s passion for property investment and dedication to helping others achieve financial stability make him a valuable asset to our team. We are proud to have Matthew on board and look forward to the continued success of our clients, guided by his expertise and experience.

Matthew Bondarczuk’s journey from client to consultant at Capital Properties exemplifies the transformative power of strategic property investment. You can enjoy the same success and the best place to start is with our FREE Discovery Session.

Managing your investments is made easier and more efficient with our Capital Properties free online tools and apps.

When we first meet many of our Clients, they tell us that the idea of financial freedom feels elusive. With the cost of living as high as it’s been for decades, many people struggle to look at the bigger picture and understand how to make their hard-earned money work well for them.

At Capital Properties, we’re big fans of the ‘Rich Life’ concept inspired by Ramit Sethi. Sethi is known globally as a financial guru whose net worth surpasses $25 million. His best-selling book I will teach you to be rich and follow-up Netflix show “How to get rich” offer a refreshing perspective on how to achieve long-term prosperity and happiness. The Rich Life concept emphasises conscious spending, smart investing, and personal fulfillment. In this blog post, we’ll discuss the key principles of the concept and how to apply them to your life as an Australian Defence Force member.

The team at Capital Properties help Australian Defence Force (ADF) members apply the Rich Life concept to invest your disposable income in property, so that you can secure your financial future and create the life you want to live. Book our FREE Capital Properties Discovery Session to get started.

If you’re already on board, why not take advantage of our Property Investment Tools & Apps and essential resources from our Capital Properties Pinnacle Support Program.

On the go? Here’s 30 seconds of take outs:

  • Ramit Sethi is the author of bestselling I will teach you to be rich and follow-up Netflix show “How to get rich”.
  • Sethi coined the Rich Life concept to emphasise conscious spending, smart investing, and personal fulfillment.
  • Sethi’s 8 rules for a Rich Life are:
    • Your Rich Life is unique to you
    • You need to take control
    • Don’t wait to become an expert
    • It’s OK to muck up
    • Play offense, not defence
    • Don’t wait until retirement
    • Focus on the big wins
    • Give back
  • Capital Properties can help you apply the Rich Life concept by:
    • Providing personalised investment strategies
    • Education and ongoing support
    • Expert mentoring
    • Automation and efficiency

Keep reading >>

How the Rich Life concept come about

Sethi’s success story began with him creating a blog “I will teach you to be rich” in 2004 (while studying technology and psychology at Stanford). His next project, a humble $4.95 eBook, sold over a million copies, catapulting his business into a multi-million-dollar empire and inspiring millions of people with his straightforward approach to personal finance. His advice goes beyond traditional financial advice as he urges his followers to create a life that aligns with personal values.

Our Capital Properties Goal Setting tools and workshops encourage a similar approach to finance. We’ve discussed the importance of goal setting in many of our previous blog posts, such as “Review your goals & financial vision – what drives you?”, “Dream big to live life large through goal setting” and “How are you tracking toward your lifestyle goals?” Our aim at Capital Properties is to equally inspire you with the knowledge and tools for strategic financial planning and intentional living to create your Rich Life.

Understanding the Rich Life concept

The Rich Life concept is based on using your money to help you live a more fulfilling life. The key is to identify what truly makes you happiest in life – what fills your bucket? For some people, it means having the freedom to travel and see the world. For others it’s having the ability to enjoy quality time with the people that mean the most to you.  And for others, it might mean splashing out on designer clothes or fast cars.  It’s completely different for every person.

Then, once you’ve figured out what makes you truly happy, you direct your resources, i.e. your time, energy, and money towards those passions, and give little attention to the things that don’t bring the same level of joy to your life.

Key principles of the Rich Life concept

In his website ”I will teach you to be rich”, Sethi lays out his “rules” to create a Rich Life. Here’s a quick summary of these 8 rules:

1. Your Rich Life is unique to you

Everyone’s version of a ‘rich’ life is different. As we just said, for some, it might mean traveling the world, while for others, it could be owning a dream home or driving a luxury car. The key is to define what a Rich Life means to you and pursue it without apology. As Sethi notes, “Your Rich Life is yours—not mine, not your friends’, and not your parents’.”

2. YOU need to take control of your Rich Life

Financial independence is about taking charge of your own destiny and not leaving things to chance or allowing someone else to lead the way. Sethi tells us that he turned down lucrative venture capital offers that came with management restrictions so that he could maintain total control of his business.

He encourages people to take ownership over their financial future by setting goals, examining their spending habits and creating systems to manage their finances. Thus, making sure their money works for them in ways that align with their passions and goals. He recommends prioritising spending on the things you love, so you can save on the stuff you don’t. If this sounds like a daunting exercise, our Capital Properties Goal Setting Guide is a great place to start.

And yes, that means that you also need to create a budget! Our online Capital Properties Budget Planner makes this process much easier.

3. Don’t wait to become an expert – start now

Many people think they need to wait until everything is perfect before they take action. We hear it all the time. “I’ll invest when I’ve got that promotion, or when I’ve done more research, or when I’ve finally organised a savings plan”!  Waiting until circumstances seem “perfect” before you take action is debilitating. Sethi’s “85% Solution” advocates for getting things nearly right rather than waiting for the perfect moment.

This principle is fundamental for new property investors. Starting with a well-thought-out investment plan, even if it’s not flawless, is far better than doing nothing at all. Similarly, he suggests following a simple fitness program, so that he gets some exercise every day, rather than making grand plans and not sticking to them.

4. It’s OK if you muck up

Creating your Rich Life isn’t always going to be easy.  It’s inevitable that you’ll make mistakes, with money and relationships. And your goals for your Rich Life might change over time. But that’s all part of the learning. Don’t let it stop you from getting started or forging ahead to reach your goals. When things get tricky, reach out to mentors who can help you get back on track.

5. “Play offense, not defence”

In Sethi’s own words, rule number 5 is to “play offense, not defence”. What he means is that it’s important to take determined action to achieve your goals. That means creating a budget and sticking to it. Make sure you’re getting the best deals financially, e.g. questioning bank and service charges etc. Work with experts to stay informed of potential investment opportunities and be fully aware of what your financial status is so that you’re ready to act. Sethi suggests setting up automated banking so that you can allocate a certain amount of your income (e.g. 20%) to savings and investments. This saves time and ensures consistency and discipline in financial management.

6: Don’t wait until retirement to live a Rich Life

So many people get caught up in planning for the future, they neglect to live their Rich Life every day. We all know the future is not guaranteed, so although you do need to have a plan for retirement, it’s important to make the most of

now. And Sethi agrees, it’s vital to invest in personal growth, experiences, and relationships.

Again, your everyday Rich Life could look quite different from others. It might mean enjoying that avocado on toast without considering the cost, taking your partner away for a spontaneous weekend, or buying that car that makes you drool every time you think about it! The idea is to make your money work for you so that you can indulge every now and then without worrying about jeopardising your future. As Sethi says “No one wants to be a rich 95-year-old with regrets”.

7: Focus on the big wins

Sethi says to focus on the big wins, in other words, stop sweating the small stuff and really focus on the areas in life that you’ll make the most gains. For example, working in a rewarding career and taking advantage of further training and study opportunities that’ll help advance your career and your salary. Prioritise your physical health and maintain the important relationships in your life. Start investing early and build relationships with experts who can guide you along the way. And don’t spend any time or money on the stuff you don’t care about.

8: Create a ‘generous’ life

Sethi is an advocate for creating a generous life – one that follows the old adage “It’s better to give than to receive”. Once you’re living your Rich Life it’s important to share your time, money, resources, and/or talents with the world. Whether that means being able to volunteer at your kids footy, donate to friend’s fundraisers, or support a charity you care about. Giving back is good for the soul.

Applying the Rich Life concept with Capital Properties

At Capital Properties, we understand the unique challenges and opportunities faced by ADF members. Our goal is to help you leverage your disposable income to build a secure and prosperous future through strategic property investment. Here’s how we can help you apply the Rich Life concept:

  • Personalised investment strategies – We tailor investment plans to suit your individual goals and financial situation, ensuring that your journey to financial freedom is as unique as your vision of a rich life.
  • Comprehensive education and ongoing support – From understanding market trends to navigating the intricacies of property investment, we provide the knowledge and strategies you need to make informed decisions. And the support doesn’t stop with your first investment, we designed our Pinnacle Support Program to ensure you have ongoing guidance.
  • Expert mentoring – The Capital Properties team is made up of investment experts, financial planners, buyer’s agents, real estate agents, mortgage brokers, property tax account specialists, quantity surveyors, conveyancers, property managers and more. If you need expert help, we’ve got you covered.
  • Automation and efficiency – Our Property Investment Tools and Apps are specifically designed with you in mind. We can help you set up systems to automate savings and investments, ensuring that your financial growth is consistent and hassle-free.

By partnering with Capital Properties and adopting the principles of the Rich Life concept, ADF members can achieve financial freedom and live richly in every sense of the word. Book your FREE Capital Properties Discovery Session today and let us help you make your Rich Life a reality.

Our Capital Properties Switched-On Strategy Series and Capital Properties Pinnacle Support Program will make sure you’re able to successfully navigate these changes in the Australian property market.

Capital Properties

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