As the CEO of Reventon, I’ve experienced financial ups and downs firsthand. My journey in property investment has been defined by bold decisions, strategic resilience, and invaluable lessons learned. But if there’s one thing I emphasise above all, it’s this: failing to plan for retirement is the riskiest move of all.

Many people fear risk, especially when it comes to investing. They hesitate, they overanalyse, and they ultimately take no action. But as I see it, doing nothing is often the most dangerous decision. If you don’t like risk and don’t take any action, you are employing the riskiest strategy. Because no action guarantees you will be broke when you retire.

The Illusion of Playing It Safe

For many Australians, the default retirement plan is relying on superannuation and hoping it will be enough. However, statistics show that many retirees end up with far less than they need to maintain a comfortable lifestyle. Rising living costs, increasing life expectancy, and market fluctuations all contribute to a retirement landscape that is more unpredictable than ever.

I warn against assuming that job security or a steady pay cheque alone will lead to financial stability in the long run. Ninety-five per cent of Australians will end up under what they need in retirement because they do not take action. Many people will face financial struggles when they stop working without a deliberate and well-executed investment strategy.

The Power of Good Debt

Fear of debt is one of the biggest hurdles people face when considering property investment. But as I always say, debt itself isn’t the problem - it’s the way we manage it. People aren’t scared of debt; they’re scared of the repayments. Instead of viewing debt as a burden, I encourage people to see it as a tool for building long-term wealth, particularly when investing in income-producing assets like real estate.

I remember my own early anxieties about property investment, even after receiving a $30,000 deposit from my father to purchase my first home. I almost pulled out of my first property deal because I was scared. But I had a broker who reminded me why I started. That purpose helped me push through.

A Strategy for the Future

For those who fear the risks of investing, I believe that smart, strategic action is the key to mitigating uncertainty. You need to have a good team around you. You need to build your knowledge. And you need to work with people who have a proven track record.

In my opinion, the first step is a proper financial assessment. How much can you afford to invest? What are your long-term financial goals? Understanding these elements helps investors avoid over-leveraging and ensures they have safety nets, such as landlord insurance, income protection, and emergency funds.

My own experiences have taught me the dangers of overextending financially. Having once lost my job and accumulated significant debt, I now advocate for a conservative and calculated approach. If you’re waiting for the ‘perfect’ time to invest, you’ll be waiting forever. The perfect time was yesterday. The next best time is today.

The Reality of Retirement

The hard truth is that retirement is inevitable. We are always getting older, getting closer to retirement, and paying tax. These factors don’t change. What does change is whether we choose to take control of our financial future.

I urge Australians to rethink their approach to wealth-building. The security of a comfortable retirement doesn’t come from sitting on the sidelines; it comes from making informed, strategic investments and leveraging assets wisely. There’s a photo I love. It’s of an old man with a walking stick, and the caption reads, ‘Waiting for the right time to buy property.’ But he never bought.

Acting today is the best way to ensure financial independence tomorrow. The real risk isn’t investing, it’s failing to invest. By overcoming fear and embracing financial strategy, Australians can secure a future where retirement isn’t a struggle, but a reward.

As I always say, without action, no action means no results. No results mean you’re going to be broke. You’re going to end up as a statistic.

It’s time to change the odds.