Why do so many smart, high-income Australians still feel financially stretched despite earning more than ever?
In this episode of Get Invested, Bushy Martin is joined by former engineer, finance professional and Magnetic Money creator Miriam Castilla to explore the hidden behaviours that ultimately determine whether an investment strategy succeeds or fails.
As Bushy’s Property W.E.A.L.T.H. Clock moves from E for Examine into A for Approach, the focus shifts away from assets, lending and locations, and onto the one factor every investor takes with them into every decision: themselves.
Miriam explains why more money doesn’t solve financial problems, it simply magnifies the habits already there. Together, she and Bushy unpack the three Money Habit Archetypes—Overextender, Spender and Accumulator—and reveal how each can quietly shape the way we save, borrow, invest and respond when life inevitably gets messy.
The conversation also challenges one of the biggest misconceptions in property investing: that borrowing capacity equals investing capacity. While a lender can calculate what you can borrow, only you can determine whether you have the behavioural capacity to stick to the plan, protect your buffers and hold quality assets through uncertainty.
You’ll discover why emotional regulation is one of the most overlooked investing skills, how unconscious money stories influence everyday decisions, why every dollar needs a defined purpose, and how Miriam’s practical five-minute weekly money rhythm creates a financial system that’s both sustainable and enjoyable.
If you’re preparing to invest, or wondering why you’ve struggled to stay consistent in the past, this episode lays the behavioural foundation for a strategy you can actually live.
In this episode you’ll learn:
- Why more money amplifies existing financial behaviours rather than fixing them.
- The three Money Habit Archetypes—and how to recognise your own.
- The difference between borrowing capacity and behavioural capacity.
- Why emotional decisions quietly derail long-term wealth creation.
- How to give every dollar a clear job and build effective money buckets.
- Why focusing on one financial priority creates greater progress than chasing several at once.
- Miriam’s simple five-minute weekly money rhythm for staying on track.
- Why sustainable wealth is built through consistent systems, not willpower.
This episode marks the beginning of the Approach stage of Bushy’s Property W.E.A.L.T.H. Clock, reminding us that before you choose the property, lender or strategy, you need to understand the person who will execute it.
Because your strategy will never outperform the person behind it.
Connect with Miriam here: https://www.miriamcastilla.com
FREE PROPERTY INVESTOR’S FIELD GUIDE
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After months of post-Budget analysis, modelling and conversations with investors around Australia, Bushy has distilled the key insights into a practical guide designed to help you cut through the confusion and identify the opportunities that still exist for strategic property investors.
Download your free copy here: https://bushymartin.com.au/fieldguide
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