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Todd Polke

@todd.polke

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Founder, Portfolio Wealth. Author, Escape the Middle (Wiley).
Don’t buy assets. Build systems.
Get your free Financial Freedom Figure in 3 mins ↓

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Since working with Nicolas -⁠
Him and his family have developed a clear plan, structure, and system to achieve financial freedom and retire on their own terms within the next ten years.⁠
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In hindsight - Portfolios program launched them into a life of freedom.⁠
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Follow @todd.polke for more wealth content. 💰️⁠
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#toddpolke #wealthstrategist #portfolio #financialfreedom #investments #serviceabilitywall #testimonial #australia by @todd.polke

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3 years ago

You can earn $200,000 a year and still never feel wealthy.

It's the lifestyle trap. Income goes up, and so does everything else: school fees, the house, holidays, cars.

From the outside it looks like success. Lift the bonnet and it's a different story.

Try this: if you stopped working for six months, how long would your lifestyle last?

Follow for more.

#lifestyletrap #wealthbuilding #highincome #moneymindset #designedincome by @todd.polke

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4 days ago

17 rate rises in four and a half years. You weren't in the room for any of them.

Inflation is back at 4%, and rates aren't the cause. Four things are:

1. Housing. It costs more to build than buyers will pay.
2. Energy. Fuel up 14.8% in August alone.
3. Government spending. Highest since 1986, outside COVID.
4. Productivity. Half as many homes built per hour as in 1995.

Rates are just where you feel it.

You won't be in the room for the next one either. So build the one thing you do control: income, assets and structure that are yours.

Which of the four do you feel most?

#interestrates #inflation #RBA #mortgage #australianeconomy by @todd.polke

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5 days ago

$47 billion has left big super for SMSFs in four years.

It's not a boom. It's people finally checking what their super is actually doing.

If you've got a couple of hundred grand in super and you've never changed a setting, ask yourself three things:

1. What am I actually paying for?
2. Who picked my option?
3. What would an SMSF really cost me?

I'm not saying leave your fund. I'm saying know what you're in, then compare.

Did you choose where yours sits, or have you just never looked?

#superannuation #SMSF #selfmanagedsuper #superfund #wealthbuilding by @todd.polke

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7 days ago

You're already wearing a wealth belt. You just don't know which one.

Tomorrow morning I'm speaking at The Freedom Shift Financial Freedom Summit.

"Escape the Middle: The 7 Belts of Wealth Creation."

Here's the thing. Wealth creation is a belt progression.

Seven belts, same as judo. You're wearing one right now, whether you know it or not.

And every belt has one specific skill that earns the
next one.

I'll walk you through all seven. You'll see which belt
you're on, what's actually keeping you stuck there, and
the exact shift that moves you to the next one.

Everyone who joins me live gets my Financial Freedom
Figure Calculator. Five minutes. It shows you your four
levels of financial freedom — the number you then
reverse engineer every financial move from.

Free. Online. Les Brown, Brian Tracy, Jack Canfield,
Mark Victor Hansen, Nick Vujicic, Jay Abraham and 20
more of the most respected names in wealth and
personal development.

SATURDAY 10th OCTOBER
6:30am — Brisbane
7.30am — Sydney / Melbourne
4:30am — Perth
8:30am — NZ
(3:30pm Friday CT if you're in the US)

Link in bio. Set the alarm. @swedishwealthinstituteab by @todd.polke

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9 days ago

Comment Todd for the full episode.

I sat down with wealth strategist @todd.polke where he shares the habits you need to develop to build a life where your money is out working for you.

Check out the full conversation over @freedomrenegades
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🎧 Podcast: @freedomrenegadespodcast
🎙️ Guest: @todd.polke
💰 Our freedom vehicle: @fastflipformula by @todd.polke

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21 days ago

“Don’t buy assets. Build systems.”

Most portfolios are a collection, not a system.

Something shiny here. Something safe there. Nothing with a defined job.

A system asks a different question. Not what does this pay. What does this do.

Purpose first. Yield second.

Follow for more.

#DesignedIncome #InvestorMindset #CashFlowInvesting #WealthSystems #AustralianInvestor MoneyHabits by @todd.polke

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23 days ago

Comment TODD to get our conversation on all things wealth.

Fear can keep you stuck for years.
And sometimes the biggest risk isn’t making the wrong move…
It’s making no move at all.

In our latest conversation with wealth coach Todd Polke,
We unpack why breaking free from the standard script starts with having the courage to do something different.

🎙️ Todd’s episode of Freedom Renegades has landed
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🎧 Podcast: @freedomrenegadespodcast
🎙️ Guest: @todd.polke
💰 Our freedom vehicle: @fastflipformula by @todd.polke

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23 days ago

A discretionary trust, minus the discretion.

They’re messing with your trusts again — and they’re calling it a concession.

Treasury’s exposure draft puts a 30% minimum tax on discretionary trusts from 1 July 2028. No income threshold. Not for small trusts, not for anyone. If your trust makes income, you’re in it.

Yes, there’s an opt-out. Here’s what it actually asks of you: name every beneficiary up front, lock in the percentage each one gets, and distribute exactly the same way every single year.

So where’s the discretion gone? That’s a fixed trust with a different name on the door — and it’s tighter than a real fixed trust:

• The nomination can’t be varied — s 102UYE(1)
• The list only changes if a beneficiary dies or there’s a family breakdown
• Walk away and you pay the 30%, and you can never elect back in — s 102UYB(6)(a)

It’s draft legislation, not law yet. But that’s the point: you set your structure up years ago under the rules that applied at the time, and they can change them at any point.

Talk to your accountant about what this means for your structure — 2028 is closer than it looks.

Everything on screen is from Treasury’s own documents (exposure draft and fact sheet, 3 September 2026).

General information only, not financial or tax advice.

#familytrust #discretionarytrust #australiantax #taxplanning #trustsaustralia smallbusinessaustralia wealthstrategy assetprotection by @todd.polke

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25 days ago

Comment TODD to get a copy of this weeks episode.

It was such a pleasure to sit down with Todd and have the raw and real conversation about the journey of creating financial freedom.

Todd is a wealth coach and is incredible at creating systems to not just grow your money but to grow real legacy wealth.
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🎧 Podcast: @freedomrenegadespodcast
🎙️ Guest: @todd.polke
💰 Our freedom vehicle: @fastflipformula by @todd.polke

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25 days ago

“Rather than passive income, what you really want to be focused on creating is designed income.”

Income you’ve orchestrated from your portfolio — consistent, methodical, with every single element doing a job.

Passive thinking focuses on how little you have to do.

Designed income puts a system to work, with you acting as the CEO of your own wealth creation business.

Follow for more.

#FinancialFreedom #WealthBuilding #InvestingAustralia #MoneyMindset #WealthStrategy FinancialEducation by @todd.polke

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a month ago

15–20% returns. So what’s the catch?

We’ve been getting those returns comfortably and easily through lending.

The catch: there’s a start date and an end date.

At the end of the day, the deal ends. You get your principal back, you get your return — and then you say goodbye to the income stream.

Great tool. Wrong foundation.

Follow for the full picture.

#PassiveIncome #MoneyMindset #FinancialFreedom #InvestingTips #AustralianInvestor WealthStrategy by @todd.polke

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a month ago