She's On The Money Wait till You Hear What this 25 Year Old Has Built on a Macca’s Paycheck
Nov 30, 2025
The guest is a young pharmacist and Money Diarist who achieved a remarkable $1.5 million property portfolio by 25. She started her career at 14, earning $8 an hour at McDonald's, and saved diligently to buy her first townhouse at 19. The conversation delves into her disciplined saving habits, prioritizing long-term goals over instant gratification, and leveraging home equity for further investments. She shares the importance of budgeting and the benefits of starting small, while also exploring future investments, including possibly owning a pharmacy.
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From Macca's Paycheck To First Home
- The Money Diarist started working at McDonald's at 14 on $8/hour and saved consistently from that age.
- She used those savings to buy a $250,000 townhouse at 19 and later turned it into an investment.
Timing Amplified Property Returns
- Early property bought for $250k appreciated to $650k, showing the power of time and market factors.
- She recognised COVID and timing as major contributors to outsized property gains.
Force Savings Early With Rules
- Her father required transferring at least half of each pay into a savings account while living at home.
- That rule forced compulsive saving and taught the value of money early on.