Own Your Home, Max Your Super: A Real Talk Guide to Financial Freedom

If you’re navigating retirement planning in Australia, this episode is a must-listen.

Financial adviser James Wrigley joins The Elephant in the Room to unpack the strategies that high-income earners, Gen X professionals, and aspiring retirees can use to build a more secure financial future, without falling into the usual traps.

From maximising tax returns through superannuation to understanding why property may not be the most reliable retirement asset, James breaks down complex concepts into actionable steps. You’ll learn how super could grow from $300K to $2M, when and how to use catch-up contributions, and why liquidity and access might be more important than you think.

This episode challenges the idea that you need to be “a property person” or “a shares person” and instead offers a mindset shift: invest based on outcomes, not identity. Whether you’re in your 40s and just starting to take your future seriously, or you’re closing in on retirement, this conversation will change the way you think about your money.

Episode Highlights

00:00 – Welcome

04:00 – Why Your Super Isn't a Set-and-Forget Strategy

08:30 – Property vs Super: Which Is the Better Long-Term Play?

20:50 – How High-Income Earners Can Get Up to 50% Back Through Super

33:40 – Ditch the “Property Person” Mentality

41:15 – Catch-Up Contributions Explained

47:25 – $300K to $2M: The Power of Early Planning

52:00 – The Emotional Side of Financial Planning

About the Guest

James Wrigley is a Principal and Certified Financial Planner at First Financial, a leading Melbourne-based firm specializing in financial planning and superannuation management. With nearly two decades of industry experience, James has progressed from administrative roles to the highest levels of advisory leadership, serving clients ranging from young professionals building their wealth to retirees planning for aged care.

Known for his dynamic approach and strong online presence, he is committed to understanding each client's motivations and delivering tailored strategies for lasting financial well-being.

James is particularly recognized for fostering client relationships built on trust and clear communication, and he frequently shares his expertise through podcasts, social media channels, and public presentations to empower Australians with practical financial insights

Connect with James

• Youtube: https://www.youtube.com/channel/UC6gLgLcVe_m8-Q9UWKvMObQ
• Instagram: https://www.instagram.com/iamjameswrigley/?hl=en
• LinkedIn: https://www.linkedin.com/in/james-wrigley
• Spotify: https://open.spotify.com/show/1IQReBXcUdYnBeaXuFpHc1

Resources

• Visit our website: https://www.theelephantintheroom.com.au
• If you have any questions or would like to be featured on our show, contact us at:
• The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.au
• Looking for a Sydney Buyers Agent? https://www.gooddeeds.com.au
• Work with Veronica: https://www.veronicamorgan.com.au
• Looking for a Mortgage Broker? https://www.alcove.au
• Work with Chris: chrisbates@alcove.au

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See you on the inside,

Veronica & Chris

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