Building a $1M+ Portfolio at 23: How Moses Backed Strategy Over Comfort

The Client

Moses grew up in a family of six where money was tight and both parents worked hard to make ends meet.

That experience shaped the way he thinks about money.

From a young age, he was motivated to do things differently. He started saving early, worked across multiple jobs, and built a strong work ethic through roles ranging from a butcher shop to food delivery, cash work, and disability support.

Today, he works full time in disability care while also building his own future through investing and business.

What stands out about Moses is not just that he started young. It is the mindset behind it.

Rather than waiting for the perfect moment or assuming he needed help from the bank of mum and dad, he focused on what he could control. Saving. Learning. And making smart decisions with the money he had.

That approach laid the foundation for everything that followed.

Our Strategy

The strategy for Moses was built around a few clear principles.

First, do not let expensive metro markets dictate what is possible.

Like many younger investors, he could have easily looked at Melbourne or Sydney, felt discouraged, and done nothing. Or worse, forced himself into an asset that fit the budget but not the strategy.

Instead, we looked borderless.

Using market data, economic fundamentals, and long term portfolio thinking, we focused on standalone houses in regional markets where the numbers stacked up better and the future potential was stronger.

Moses also had a clear preference from the start. He did not want apartments.

His own research had already led him toward houses, and he understood the long term value of owning land and keeping future flexibility in the portfolio.

That thinking aligned well with the strategy.

The first purchase was in Wodonga, Victoria. A market that does not cross most young investors’ minds, but one that offers the right combination of affordability, fundamentals, and future upside.

The second purchase followed in Townsville, Queensland.

Together, those two purchases gave Moses exposure to two very different but strategically selected markets, both chosen to support long term portfolio growth rather than short term comfort.