Rob interviews Anthony, a psychologist and performance coach with 30 years’ experience across sport, corporate and education, who worked with Hawthorn (2008–2015) and Brisbane through multiple premiership runs and wrote The Performance Mindset: Seven Steps to Success in Sport and Life. They discuss Anthony’s proactive, integrated model of performance psychology; Brisbane’s late-game comebacks (including wins over Carlton, GWS, Geelong, Hawthorn and Fremantle) and the role of composure, clarity, trust and communication under pressure. Anthony explains how mindset is trained through consistent coaching, how culture must be continually defined and monitored amid constant turnover, and how wellbeing and engagement feedback (including his survey) supports leaders. They cover resilience skills (self-talk, strengths, reflection, emotion management), journaling approaches, and leadership development via ongoing leadership group education and a pyramid of leading self, culture, others and situations.

00:00 Meet Anthony and His Work

01:11 Inside Two Three Peats

01:49 The Performance Mindset Book

02:43 Sweet Spot for Success

03:31 Proactive Performance Psychology

04:27 Epic Comebacks and Mindset

06:02 Composure Clarity and Trust

08:43 Motivation vs Focus Skills

11:10 Warfie Time Grand Final Trigger

14:00 Building and Keeping Culture

16:41 Culture Plus Individual Investment

18:29 Wellbeing Engagement Survey Link

18:54 Wellbeing Drives Engagement

20:00 Resilience Under Pressure

21:21 Building Personal Resilience

23:20 Coaching Kids Through Setbacks

25:11 Journaling For Performance

27:30 Leadership Pyramid Explained

32:05 Learning Culture In Any Team

34:21 Talent Versus Growth Mindset

36:04 Wrap Up And Final Story

eliteperformance.com.au

Rob Pizzichetta (Mont Wealth) explains why, with Australian mortgage rates around 6–6.5% and households devoting about 37% of income to mortgages, paying down a home loan—especially via an offset—often beats investing. Using a $500k loan at 6.25%, he shows mortgage interest is paid from after-tax, non-deductible dollars, making the effective hurdle high. Assuming investments are taxed at a flat 30%, he models $100k over 10 years at 6%, 8%, and 10% returns and finds only the 10% scenario outperforms the offset, and only modestly, while adding equity volatility risk. He provides break-even and “risk buffer” mortgage-rate thresholds, plus factors that can change the outcome (franking credits, super, debt recycling, time horizon, and behavior), concluding that above ~6% most people should fill the offset or pay down the mortgage before investing outside super.

00:00 Mortgage Stress Snapshot

00:24 The Core Question

00:47 Mortgage Interest Reality

01:34 Offset Beats Investing

03:23 Offset vs Redraw Basics

03:50 10 Year Return Scenarios

05:47 Break Even Rate Math

06:55 Rule of Thumb Zones

07:35 Four Key Exceptions

08:40 Wrap Up and Next Steps

#invest #mortgage #wealth #money #interest #debt #payback

Rob Pizzichetta (Mont Wealth) argues that after years of low yields, defensive assets are attractive again as governments run persistent deficits that push bond yields higher, flowing through to mortgages, super, and long-term return expectations. Using Australia’s federal budget (large locked-in spending, rising interest costs on roughly $1T debt) and Victoria’s growing debt and refinancing risk (10-year yields near 6% and a worsening “debt loop” tied to property-based revenues), he links fiscal indiscipline and sticky inflation to a higher neutral rate and a new return backdrop where near “risk-free” government bonds can yield around 5%+. He outlines considerations including rebalancing toward short/intermediate and floating-rate Australian fixed income, staying cautious on Australian equities, and being more selective in share exposure given concentration risks, concluding that managing risk and reducing excessive growth exposure makes sense while yields are elevated.

00:00 2006 Market Warning

01:17 Deficits Drive Yields

01:45 Canberra Budget Breakdown

03:38 Rates Rising Everywhere

04:18 Victoria Debt Loop

06:18 Global Fiscal Doom Loop

07:12 What It Means For Portfolios

08:24 Defensive Assets Return

09:34 Committee Moves Now

10:30 Active Equity Risk

10:49 Final Risk Reminder

11:39 Wrap Up And Contact

#income #invest #money #trending #advice #wealth

www.montwealth.com.au