🏦 Founder of @infinitewealthau 🥇 Helping everyday Australians build lasting wealth through property 👇 Learn to pay your home off 3x faster

Perth, Australia
Joined April 2011
PSA: I’ll be uncontactable on X until AFL Fantasy pre-season. I primarily use X for the AFL Fantasy community, and outside of that I’ve realised I’m probably better off not spending too much time here. So while there’s no Fantasy happening, I’m going to take the opportunity to switch it off for a few months and enjoy the break. If you need to get in touch with me in the meantime, Facebook or Instagram are the best places to find me @timguestau See you all in pre-season 👋
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Happy to meet this young budding podcaster. It’s a gift to pass on all I’ve learnt co-hosting @aflfantasyfans over the years. It’s a tough game but wishing him all the best for his future.
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GET REAL JIM! Is it any wonder Australia is in the mess it is with reports like this? The Intergenerational Report is prepared by the Australian Treasury and is handed down every few years assessing fiscal sustainability, demographics and structural trends. According to these “experts” Australia is going to face ongoing deficits and has to rely on immigration and multiculturalism as key drivers of economic growth. They are also claiming energy costs will come down due to renewable energy despite decades of evidence showing the opposite. There is absolutely no reason why Australia has to face decades of deficits. We have a vast abundance of natural resources that with the right management can generate enormous wealth for future generations. All it requires is the right investment in infrastructure and skills whilst cutting regulation and taxes. The fact that our treasury department can’t see this and is instead promoting culture war narratives as our solution is alarming. If you want to back a party that can think for itself and not be led down the garden path by delusional bureaucrats then sign up to Peoplefirstparty.au today. ••••••••••••• “Jim Chalmers has assured Australians that personal income tax cuts are still part of his economic plans, despite revelations the country faces 40 years of budget deficits, ballooning debt, and an economy that will remain largely reliant on migration. Handing down his second Intergenerational Report, which paints a dire picture of deficits and meagre growth out past a four-decade horizon, the Treasurer conceded the federal budget would remain "strained". The report claims household energy costs will fall by $4300 a year due to the electrification of cars and homes. It also pushes migration and multiculturalism as key drivers of economic growth through to 2066, and puts artificial intelligence at the centre of future productivity strategies.”
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Well, that was one hell of a year… but I’ll take it 😂 A massive thanks to all the listeners, guests and hosts of @AFLFantasyFans. And a special shout-out to @BailsDT for all his hard work. I continue to be blown away by the support from this community. A big thanks as well to all the content creators who took part in the AFL Fantasy Content Creators Cup, proudly sponsored by Infinite Wealth. I’m genuinely grateful to be in a position to give something back to a community I’ve been part of for so long. As a thank you, we’ve made over $1,000 worth of Infinite Wealth content completely free for AFL Fantasy coaches. 👉 infinitewealth.com.au/AFLFan… Enjoy finals footy and see you all in four months! 🫡
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#AFLFantasy Content Creators Cup Round 19 Results👇 (Shoutout to @timguestau who top scored) @MiniMonk10 2105 def by @BailsDT 2242 @Jordox2020 2169 def by @lukerogo17 2212 @DCCaterpillars 2286 def @fantasynut_afl 1806 @ballboysfantasy 2182 def by @AFLewy 2208 1/2
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This game is a bit like golf… it sucks most of the time. But every now and then it delivers a round that keeps you coming back. #backagainin27 #imoutofretirement #neverdoubtedmyself
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Late adjustment had me fall to 104. Still walking in to work like...
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9 — THE YEAR THEY TURNED Something happened inside the union movement last year that almost nobody outside it noticed. When the Commonwealth put the CFMEU into administration in August 2024, the Building Industry Group of Unions, of which the CEPU is a member, went public with what they called "outrage" at the administration legislation. That letter still sits on the plumbers union's own website. Watch what the money did next. In the same financial year, the CEPU's Electrical Division paid the Australian Greens $600,000. The largest payment any union has ever made to the Greens. Double the previous record. The figure is confirmed on two independent AEC return types, the Greens' party return and the CEPU's donor return, matching to the dollar. Now the plumbing side. On the CEPU Plumbing Division Victorian Branch's own audited accounts for the year to 31 March 2025, the year spanning the same administration, political-party donations were $219,080, up from $2,000 the year before. A hundred-fold jump in the run-up to the federal election. The line has to stay honest. CEPU-family money still reached Labor that year, the CEPU Electrical Division's own donor return records total donations made of $1,563,800, and after the Greens $600,000 the residual $963,800 shows on the AEC recipient side as Labor payments and other minor lines. A separate $500,000 donation from the plumbers union direct to federal Labor. Annual returns don't carry payment dates. I can't tell you whether the Labor money moved before or after the movement's public opposition to the administration, and neither can anyone reading the public record. That's a gap in the disclosure system itself. Steelman. The record does not support any characterisation of the $600,000 as tied to the CFMEU administration by cause and effect. Timing within the year cannot be pinned from AEC data. Election-year donation jumps are ordinary. Do not read past the record. Which is this. The unions that were never banned, never administered, never touched, in the same year they publicly opposed the administration, their electrical division bankrolled the Greens at a level never seen before, and their plumbing branch's political donations went from four figures to six. When a union family can shift record payments in the year it publicly opposes a government it once funded, every party takes note. What's your thoughts…? Peter Lyndon-James 🇦🇺 Sources: Australian Greens Political Party Return 2024-25, AEC Transparency Register — CEPU Electrical Division $600,000. CEPU EES Donor Return 2024-25 — total donations made $1,563,800 (residual after Greens: $963,800). AEC Detailed Receipts 2024-25 — PPTEU $500,000 direct to federal Labor. Plumbing and Pipe Trades Employees Union website (cepuplumbing.org.au) — Building Industry Group of Unions statement on administration legislation. CEPU Plumbing Division Victorian Branch Financial Report FR2025/12, filed with Fair Work Commission, s.255 expenditure report — political-party donations $219,080 (FY24: $2,000).
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Conversations about Bali 🏝️
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First timers are Bali bound 🏝️
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Tim Guest retweeted
“In a free society, people can believe whatever they want. If you want to believe men can be women or you’re a man who wants to call himself a woman, that is your business. What you cannot do in a free society is force anyone else to accept it. What is at stake here is the ability to lawfully acknowledge reality. If you care so much about “trans rights” you can work out a way to get them without destroying the category of women in law, female spaces, sport, services, the entire reality of lesbianism, and punishing citizens for acknowledging reality. The fact that you haven’t even tried makes it appear that destroying the rights of women is the goal. Any politician who will look an Australian citizen in the eye and tell them that a man can be a woman is admitting that they will lie about anything and everything because the most obvious lie has already been told. If no one in this room can acknowledge reality and fix an obvious problem you are either malicious or incompetent. The days of dismissing this issue are over. This is not a culture war. It’s reality.” - my words, read by Alison Penfold MP, in parliament today. Contact politicians are tell them to BACK THE BILL - “Sex Discrimination Amendment- sex based rights bill 2026”
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Tim Guest retweeted
Labor’s new capital gains tax of up to 46% to 47%, which is far and away the highest in the world, hammers all businesses, including small companies, harder the more successful they become. By applying the most expensive CGT regime in the world, Labor is taking almost half of the upside of any successful firm, encouraging owners and executives who own shares in the business to look at relocating overseas. The question, however, is how many small businesses will actually pay this tax in practice. We prepared the following simulation to highlight the impact. We took the long-term 20 year returns from Cambridge Associates for smaller venture capital companies, which grow by 12.2% pa. We adopted the ASX equity market volatility of 15% pa, which would understate the true volatility of small firms (and thus lead to a lower proportion of very high growth companies paying 46-47% tax in our analysis). We then ran a simulation to estimate the proportion of businesses paying CGT of more than 40%. We find that within 10 years more than half of all Aussie small businesses will be hammered by CGT over 40%, which rises to 78% of all small businesses by 20 years... By giving Australia the most uncompetitive business valuation tax in the world, this policy will crush innovation, entrepreneurship, spending, productivity, growth and our global competitiveness. We already have among the lowest productivity growth rates in the world: by reducing productivity further, we could raise the cost of living, inflation, and interest rates.
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The federal budget just redrew the map for Australian property investors. From 1 July 2027, negative gearing on established properties will only offset rental income. Not your wages. New builds are fully protected. The numbers behind why this matters: - Migration revised up to 295,000 people this financial year - Every one of them needs somewhere to live - Supply remains severely constrained New build investors also get CGT flexibility at sale, choosing whichever arrangement is more favourable. Already hold property? Grandfathering applies until sale if you purchased before 12 May 2026. But the window is narrow. The transitional period closes 30 June 2027. New builds backed by tax policy, infrastructure funding and surging demand is exactly the environment we have been positioning clients for over 15 years. This is not a reason to panic. It is a reason to act with intention. Book a no obligation call with our team and we will walk you through exactly what this means for your situation. #infinitewealth #timguest #federalbudget2025 #negativegearing #newbuilds #propertyinvesting #australianproperty #wealthstrategy #financialfreedom #wealthcreation
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Tim Guest retweeted
Is Aussie capitalism morphing into stealthy sunburnt socialism? Back in 2007, just 2% of Aussie workers paid the top 45–47% marginal income tax rate. Within five years, that share is projected to explode to around 1 in 10. And even assuming only modest 2.5% annual income growth, bracket creep will drag more than 1 in 5 workers into the top marginal tax bracket within 15–20 years. If inflation and wages keep running hotter than 2.5%, that timeline compresses fast. This is not an accident. It is the inevitable consequence of a vastly larger state needing much more revenue. Monster tax increases — including proposals to double the tax on small business and company valuation (or capital) gains when owners sell — are being foisted on taxpayers to bankroll a gigantic expansion in government spending and publicly funded employment. Since 2007, the publicly funded share of total Aussie jobs has surged from 23.7% to 32.0% — a 35% relative increase. At the same time, the number of publicly funded workers per person has exploded by 45%, rising from 120 to 174 per 1,000 Australians between 2007 and 2025. On some measures, Australia now has more publicly funded workers per person than any other country in the OECD. The flipside is brutal: small businesses and private companies are being crowded out. The private sector’s share of total jobs has shrunk from 76.3% in 2007 to 68.0% last year. Higher taxes. Bigger government. A smaller private economy. Stealthy socialism. A higher cost of living. And declining productivity, income-per-capita and living standards as a consequence.
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Yes. I've been saying this since the proposed CGT changes were first suggested. Whilst all the talk is about investment properties, these proposed changes will decimate entrepreneurial small business - and decimate small business employment (that employs millions of Australians).
You and your team start, and work in, a business. You put $250k in to get it to break-even. After a decade of blood, sweat and tears, your business is worth say $5 million. Under Labor's proposal to effectively double capital gains tax by indexing it to inflation, you would see a 96% increase in the tax you would otherwise pay today. You would pay more tax in Australia than if you set up *three* of these $250k businesses in Canada, NZ and the UK, and them sold them for $15m in total. And we were told by the government more than 50 times before the election that they would not touch CGT or negative gearing. Check out this table summary of the change in total CGT paid @GeoffWilsonWAM
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Tim Guest retweeted
What these disincentives to hard work will do is guarantee less innovation, intensity and ingenuity, grossly inferior productivity, much greater government borrowing, a higher cost of living, higher inflation, higher interest rates, higher taxes, lower income per capita, and a less prosperous country for future generations. It represents the imposition of stealth socialism. It makes it all but certain that the wonder down under, once one of the most competitive countries going around, will be forced to rely on prostituting its physical amenities and becoming Asia’s Ibiza. Since we are struggling to produce anything globally competitive, we are compelled to rely on selling our scarce (and non-renewable) resources. Canberra is transforming the lucky country into the lazy land. And as we have seen following the embrace of socialism in Britain, California, and New York, the biggest employers and producers will vote with their feet. Ironically, this only serves to cripple the essential prosperity that powered this entitled push against progress and success in the first place. afr.com/markets/equity-marke…
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Young Australians should be enraged by the new super tax. The statist talking heads will tell you "it's only on balances above $3M. The rich." Most Aussies will fall for it. Run the numbers. 35yo today. $200k in super. Contributes $15k a year. Earns 8% returns (long run super average). In 30 years their balance is $3.7 million. Caught by the tax. But here's the trick. Australia's money supply has grown about 8% a year for the past two decades. RBA's own data. So that $3.7M buys what $369k buys today. Same groceries. Same house. Same petrol. You didn't get rich. You ran on the spot. And the $3M line? Frozen. In 30 years it only buys what $300k buys today. It's lost 90% of its real value. The govt doesn't have to move the line. Inflation does the work for them. No different from the obscene overreach on anti-money laundering rules. The $10k cash transaction threshold was set in 1988 and never moved. $10k then is $26k in today's money. Adjusted for money supply growth, it's $170k. Same threshold. Almost 3x more transactions caught by CPI, 17x by money supply. That's why you get interrogated at the bank for withdrawing what only covers half a year of school fees. Same trick with income tax. Wages rise with inflation. Brackets don't. Suddenly the average worker is in a "high earner" bracket they were never meant to be in. You don't earn more. The line moved. This one policy tells you everything you need to know about the government and its intentions. It's all about grift and theft. Meanwhile, the kids who get hit hardest are kept busy by an education system arguing about hate speech, social media, and the climate apocalypse promised in 2012. Nobody teaches them how money actually works. The govt likes it that way. So they vote for more taxes. Bigger govt. More "fairness." Pouring petrol on the fire burning their house down. The fix isn't communism. It's the opposite. Smaller govt. Lower taxes. Index every threshold to the actual money supply, not the CPI lie. Decentralise the banks. Despite everything, Australians are entrepreneurial and predominantly hardworking. Imagine what this country could become without the government's boot on its neck.
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Tim Guest retweeted
You and your team start, and work in, a business. You put $250k in to get it to break-even. After a decade of blood, sweat and tears, your business is worth say $5 million. Under Labor's proposal to effectively double capital gains tax by indexing it to inflation, you would see a 96% increase in the tax you would otherwise pay today. You would pay more tax in Australia than if you set up *three* of these $250k businesses in Canada, NZ and the UK, and them sold them for $15m in total. And we were told by the government more than 50 times before the election that they would not touch CGT or negative gearing. Check out this table summary of the change in total CGT paid @GeoffWilsonWAM
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