From Pay to Wealth for Tradies

About From Pay to Wealth for Tradies

From Pay to Wealth – For Tradies helps Aussie tradies take control of their money and build real wealth—one pay cycle at a time. Learn practical systems for budgeting on a roster, paying off debt, understanding super, saving consistently, and starting to invest. No jargon, no fluff, and no corporate finance talk—just real-world money strategies built for the way tradies live, work, and get paid.

Publisher

David Kennington

Category

business

Language

en

Explicit

No

First episode

22 Jun 2026

Latest episode

22 Oct 2026

Latest episodes

15 episodes in the feed.

1. 

   22 Oct 2026

   EP14. Preventive Maintenance for Your Money — How Tony Built A Millionaire Plan

   Are you charging enough to cover your costs, pay yourself properly and build a financially secure future? For many tradies, setting a day rate based only on what others charge or what feels reasonable can leave them working hard without making the profit they deserve. In this episode, David Kennington sits down with Daniel Richter to explore the real cost of running a trade business. Daniel explains why pricing needs to account for more than labour, including tools, maintenance, fuel, transport, downtime, retirement savings and future business costs. He also shares practical ways to separate personal and business finances, manage seasonal income and build reserves for quieter periods. In this episode:• Why your hourly rate alone doesn’t tell the full story• How to calculate a sustainable day rate based on your income goals and working hours• The fixed and variable costs every tradie should include in their pricing• Why profit, retirement funding and ongoing education need to be built into your rates• How investing in quality tools can reduce long-term costs and improve productivity• Why planning your workload around your desired lifestyle matters• How to separate business money from personal spending and pay yourself consistently• Why keeping three to twelve months of business reserves can help you manage quiet periods• How to review last year’s income and expenses to identify where money is leaking• Practical steps to work out whether your current rates are actually profitable Daniel Richter is based in the United States, and this conversation focuses on general business and financial principles rather than Australian tax advice. The key takeaway is simple: understand your true costs, price your work properly and give every dollar a purpose. David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

2. 

   14 Oct 2026

   Ep 13: The Shoebox Problem — Why Once-A-Year Accounting Is Costing You

   Building wealth is about more than earning a good income or investing wisely. It’s also about protecting what you’ve built, managing lifestyle inflation and making sure money strengthens your family rather than creating stress or conflict. In this episode, David Kennington sits down with Karl Misulis to explore the psychology behind wealth and the challenges families face as their finances grow. Karl explains why people earning over $100,000 can still live paycheck to paycheck, how parents can teach their children responsibility around money, and why honest conversations about inheritance are essential for preserving family relationships. In this episode:• Why lifestyle inflation can leave high-income earners living paycheck to paycheck• How to balance supporting your children with teaching financial responsibility• Why investing in your kids’ interests and opportunities can create lasting value• How open conversations about inheritance can prevent family disputes• Why a will and legal documents should be supported by clear family communication• The difference between looking wealthy and building genuine, lasting wealth• How to balance spending on what you love with protecting your financial future• How psychology and cognitive behavioural therapy (CBT) can help people manage financial stress• Why adaptability and empathy matter when navigating family wealth challenges• How networking and learning from others can help you avoid costly financial mistakes• Why protecting your wealth is just as important as growing it Karl Misulis combines psychology and family wealth insights to help people better understand the emotional and practical sides of managing money. Through his newsletter, Wealth Meets Mind, he explores how financial decisions, family relationships and personal wellbeing intersect. Find Karl Misulis on LinkedIn to learn more about his work and read Wealth Meets Mind. David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

3. 

   13 Oct 2026

   EP12. The Plan And The Money: Why Most Budgets Never Get Followed

   Making money is one thing. Knowing what to do with it is another. In this episode, David Kennington sits down with Tony Bradshaw to explore practical strategies for managing money, reducing debt and building long-term wealth. Tony shares the lessons that changed his own financial journey, from learning the difference between good and bad debt to using cash-flow budgeting, multiple accounts and a clear four-part millionaire plan. He also explains why financial education, mentorship and having the right people around you can make a major difference. In this episode: • The difference between good debt and bad debt • Why cash-flow budgeting can be more practical than tracking every dollar • How multiple bank accounts can help control spending and build savings • Tony’s four-part plan covering income, debt, spending and wealth investment • How to create an emergency fund and think about asset diversification • Why financial education and mentorship can accelerate your progress • The role of real estate, dividend stocks, precious metals and cryptocurrency in Tony’s investment philosophy • How to take a more active approach to superannuation and retirement funds • Why simple, consistent money systems often work better than complicated budgets • How to develop an abundance mindset and build better financial habits for the next generation Tony Bradshaw is passionate about helping people become more financially educated and intentional with their money. Through his books, community and educational resources, he encourages people to stop simply earning and start building a clear, structured path toward financial freedom. David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

4. 

   29 Sept 2026

   Ep 11. Wired for Wealth: Five Aussie Trade Businesses, One American Electrician's Big Lesson

   Building a successful trade business takes more than being good at the work. In this episode, David Kennington sits down with Mike Agugliaro to explore what it really takes to move from being the person doing everything to becoming the owner and leader of a growing business. Mike shares lessons from growing his electrical company from under $1 million to $32 million in annual revenue, including the mindset shifts, education, systems and leadership skills that helped him scale. He also explains why many tradies get stuck because of unclear client targeting, poor pricing, weak money management and limiting beliefs. In this episode: • Why tradies need to shift from working in the business to owning and leading it • The common bottlenecks that hold trade businesses back • How limiting beliefs and “business trauma” can affect sales, hiring and growth • Why investing in education and coaching can accelerate business growth • How simple checklists and processes can improve consistency and reduce burnout • Why marketing, sales and leadership are essential business skills for tradies • How AI, cloud software and modern technology can give small businesses access to powerful tools • Practical ways to identify inefficiencies and start thinking like an owner Mike Agugliaro has spent decades helping trade business owners develop their business, leadership and mindset. His approach focuses on practical education, sustainable growth and helping hardworking tradies build businesses that work for them rather than keeping them trapped in the day-to-day. David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

5. 

   23 Sept 2026

   Ep 10. No Backup, No Protection: What a Single Point of Failure Can Teach You About Your Estate

   Building wealth is one thing. Protecting it is another. In this episode of Tradies Earn, David Kennington explores the often-overlooked side of wealth building: asset protection, estate planning, business structures, tax strategy, and succession planning. The conversation highlights why having wealth without the right protection can create serious vulnerabilities. From separating business assets from operating companies to having a proper will and succession plan, the focus is on putting systems in place before a crisis happens. They also discuss trusts, holding companies, insurance, superannuation, tax strategy, and the importance of planning for incapacity — not just death. For tradies and small business owners, these are practical considerations that can help protect the assets and businesses they’ve worked hard to build. In this episode: • Why wealth needs redundancy and protection against unexpected events • How trusts can help with business succession and continuity • Why separating operating companies from asset-holding entities can reduce exposure • The role of holding companies in protecting business assets • Why insurance is important but shouldn’t be your only layer of protection • Why estate planning needs to account for incapacity as well as death • How choosing the right executor can help prevent family disputes • Why having a properly structured will matters for business owners • The difference between tax planning and proactive tax strategy • How real estate and other investments can form part of a tax strategy • Why Australian superannuation can provide important creditor protection • The importance of keeping personal and business finances organized • Why tradies should start succession and estate planning early • How to make sure the right people can access your assets and business if something happens to you A practical conversation for tradies and small business owners who want to think beyond building wealth and start protecting what they’ve already built. David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

6. 

   15 Sept 2026

   Ep 9. From Ghost Towns to Apartment Buildings: Two Unlikely Investors, One Surprising Money Lesson

   What if the best property investment isn’t in the hottest market — but the one that actually produces strong cash flow? In this episode of Tradies Earn, David Kennington sits down with Jullion Cooper to unpack the strategy behind his 23-unit apartment deal in Michigan and the lessons he’s learned about building wealth through property. Jullion explains why cash flow matters more than location or proximity, how he managed to raise hundreds of thousands of dollars from investors, and why trust and reputation are just as important as finding a good deal. They also dive into remote property management, due diligence, choosing the right market, and the mindset new investors need to take action instead of waiting for the perfect opportunity. In this episode: • Why cash flow can matter more than chasing the “perfect” location • How Jullion negotiated $100,000 off a 23-unit Michigan property • Why he reviewed 49 deals before finding the right investment • How to raise capital by offering an opportunity rather than asking for money • Why trust and reputation are critical when working with investors • How to manage property remotely using trusted local professionals • Why property management fees should be built into your numbers from the start • Why Jullion chose Michigan for value, familiarity, and workforce housing • How below-market rents and deferred maintenance can create opportunities • Why new investors should define their “why” before getting started • The importance of investing in education and mentorship • Why taking action — even when you’re scared — can accelerate your progress • How syndication can provide a lower-cost entry into apartment investing Jullion Cooper shares practical lessons for tradies, professionals, and anyone looking to start building wealth beyond their day job. David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

7. 

   9 Sept 2026

   Episode 8: True Wealth Starts With Courage and Clarity, Not Capital: A teacher, author, & Real Estate entrepreneur proves that the money trap crosses every industry & every education level.

   A teacher, author, and real estate entrepreneur proves that the money trap crosses every industry and every education level. What if chasing money is actually getting in the way of building the life you want? In this episode, David Kennington sits down with Zhara York to explore the connection between financial freedom, personal clarity, purpose, and the mindset needed to build lasting wealth. Zhara shares why traditional education often prepares people for careers but doesn't teach them how to manage, invest, or grow their money. They discuss how finding clarity around what you actually want from life can lead to better financial decisions and help prevent burnout from chasing money or external validation. The conversation also explores overcoming fear, starting side income streams, investing with purpose, and using property as a long-term wealth-building strategy. Zhara explains why affordability and cash flow matter more than simply borrowing what the bank says you can afford. If you're a tradie or anyone looking to build financial freedom without getting caught up in comparison, fear, or chasing money for the wrong reasons, this episode offers practical insights to help you think differently about wealth and your future. In this episode: • Why financial literacy is missing from traditional education • How finding personal clarity can improve financial decisions • Why fear can stop you from investing or starting a side income • How to take calculated risks aligned with your goals • Why property can be a long-term wealth-building tool • Why affordability matters more than your maximum borrowing capacity • The difference between assets and liabilities • Why chasing money alone can lead to stress and burnout • How an entrepreneurial mindset can change your approach to wealth • Why you should compete with yourself, not others • How purpose and financial freedom can work together Learn more about Zara York, her books, financial education, and real estate resources. Guest: Zhara York David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

8. 

   2 Sept 2026

   Hard Yakka Won't Fix a Broken System: Why Your Structure Is Broken and Your Mindset Is Lying to You

   A lot of tradies reach a point where the business stops growing — not because the market has changed, but because the owner is still trying to control everything. In this episode of Tradies Earn, David Kennington sits down with Michael Carboneau to talk about the mindset shift that takes a tradie from being the person doing everything to becoming the CEO of the business. They unpack delegation, leadership, financial literacy, client boundaries, burnout, and the importance of stepping back to build a business that can grow without relying entirely on you. In this episode: • Why your mindset and leadership can be the biggest thing holding your business back • Why being great at your trade doesn’t automatically mean you’re great at business • The importance of building a financial mindset and planning for retirement • How delegation and trusting the right people can help you escape the 70–80 hour work week • Why setting client boundaries and charging for your time can protect your business • How Michael moved from an operator mindset to a CEO mindset • The role of coaching, mentorship, accountability and tough love in business growth • Why asking five trusted people about your strengths and blind spots can reveal what you need to work on • Lessons from construction and craftsmanship around the world, including Mexico and Japan • Why protecting your time, energy and mental space is just as important as growing your bank balance Guest: Michael Carboneau Coaching: Coaching by Rosewood Email: coachingbyrosewood@gmail.com (mailto:coachingbyrosewood@gmail.com) David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

9. 

   25 Aug 2026

   One Breath: The Oldest Stress Tool In Human History — and Why It Still Works When Everything Goes Wrong at Once

   What happens in the first few seconds of a crisis can affect the decisions you make next. In this episode, David Kennington sits down with Ed Howard to explore how something as simple as your breathing can help you manage stress, think more clearly, and respond rather than react under pressure. Ed explains how the body's fight-or-flight response can kick in within seconds, causing shallow breathing, tension, and emotional reactions. He shares a simple breathing practice that can be used anywhere—from the worksite to the car—to create a pause between stress and your response. They discuss how recognising early warning signs like shallow breathing, tight shoulders, jaw tension, and the urge to act immediately can help you catch stress before it takes over. The conversation also explores how staying calm can improve leadership, relationships, and the way parents respond to their children. If you're a tradie or work in a high-pressure environment, this episode offers a simple tool you can use to stay focused, avoid rash decisions, and handle stressful situations one breath at a time. In this episode: • Why stress can affect your thinking within seconds • How breathing can interrupt the fight-or-flight response • A simple 6-second inhale and 6-second exhale technique • How to recognise your body's early stress signals • Why pausing before reacting can prevent poor decisions • How breathing can improve focus and leadership • Using breath control during stressful family situations • Why practising when calm makes the technique easier under pressure • How one simple habit can help reduce stress and improve presence Learn more about Ed Howard and his book, One Breath for Leadership. Guest website: onebreathleadership.com David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

10. 

    19 Aug 2026

    Stop Nodding. Start Asking: The Questions That Could Save You Time, Money & Stress

    What happens when you nod along to expert advice you don't actually understand? It can cost you time, money, and peace of mind. 1 In this episode, David Kennington sits down with Rochelle Callard to explore why communication between experts and clients often breaks down—and what you can do about it. Rochelle explains how jargon and short, rushed meetings can leave parents confused, while David draws parallels to the way tradies interact with financial experts and advisors. They discuss why preparation is key, how sending questions before a meeting can help you get better answers, and why the simple question “What are the next steps?” can turn a confusing conversation into a clear action plan. The conversation also explores common education terms like “working below benchmark,” “differentiated learning,” “extension activities,” and “intervention programs,” showing how understanding expert language can help you make better decisions. The same principle applies to finance: you should never be afraid to ask an expert to explain something in plain English. If you're a tradie, parent, or anyone who regularly deals with experts, this episode will help you prepare better, ask better questions, and take control of conversations that affect your future. In this episode: • Why experts often use jargon that clients don't understand • How embarrassment can stop people from asking questions • Why sending questions before a meeting can make a huge difference • The most important question to ask: “What are the next steps?” • How to follow up and keep experts accountable • Why you should be the expert on your own situation • How to ask experts to explain things in plain language • What common education terms really mean • How lessons from education can improve financial conversations Learn more about Rochelle Callard and access resources including the free ebook “Cracking the School Code” and parent-teacher meeting kit. Guest website: schoolclarityhub.com David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

11. 

    13 Aug 2026

    Your Reputation Could Be Worth More Than Your Skills

    What does your reputation have to do with your income, career, and financial future? More than you might think. In this episode, David Kennington sits down with Mitch Carson to explore why your reputation can be one of the most valuable financial assets you have as a tradie. Mitch explains why working hard isn't always enough to get ahead, and how being known as reliable, proactive, positive, and solution-focused can create better opportunities, higher pay, and career growth. They discuss the importance of making your value visible, taking initiative, avoiding excuses, and doing 10–15% more than what's expected. Mitch also shares practical ways tradies can build their reputation, from sharing achievements during performance reviews to writing for trade publications, building a presence on LinkedIn, and using travel or downtime to keep learning. The conversation also explores why supervisors value people who reduce stress and solve problems, particularly in industries like mining where downtime can be extremely costly. The key message is simple: become the person others can rely on, make your value visible, and deliberately build a reputation that creates opportunities. If you're a tradie looking to increase your earning potential, stand out from the crowd, and build a career that goes beyond simply trading hours for money, this episode is packed with practical advice you can start applying today. In this episode: • Why your reputation is a valuable financial asset • How reliability and punctuality create career opportunities • Why being a solution provider makes you stand out • How doing 10–15% more can separate you from the crowd • Why making your achievements visible matters • How to use LinkedIn and trade publications to build authority • Why learning during downtime can accelerate your career • How to choose one reputation trait and build it consistently • Why supervisors value tradies who reduce stress and solve problems Learn more about Mitch Carson and his work around authority, reputation, podcasting, and AI. David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

12. 

    7 Aug 2026

    Financial Maturity: The Missing Skill Nobody Taught You — and How to Build It Now.

    What do financial stress, burnout, and everyday habits have in common? More than you might think. In this episode, David Kennington sits down with Ernest Tan to explore why financial success isn't about knowing complex investment terms—it's about developing the habits and mindset that lead to lasting wealth. Ernest explains the difference between financial knowledge and financial maturity, sharing practical strategies to help tradies and business owners regain control of their finances. They discuss how tracking your spending, reducing debt, avoiding lifestyle inflation, and finding the right mentor can transform your financial future. Ernest also shares why investing in meaningful relationships instead of trying to impress others creates a richer and more fulfilling life. The conversation extends to parenting, highlighting how accountability, open communication, and modeling healthy financial habits help children build lifelong money skills. If you're looking to improve your financial health, increase your earning potential, and build wealth that lasts, this episode is packed with practical advice you can apply today. In this episode: • Why financial maturity matters more than financial knowledge • Simple steps to reset your finances • Weekly spending habits that build wealth • How mentorship accelerates financial growth • Teaching children healthy money habits • Investing in yourself to increase your income Learn more about Ernest Tan, Leaven Academy, and his book Smart Money Start Young for additional resources on building financial maturity. Guest website: https://www.leavenacademy.com/ David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

13. 

    31 Jul 2026

    Financial Regret: How to Stop Letting the Past Control Your Future

    Have you ever made a financial decision you wish you could take back? In this episode, David Kennington is joined by grief coach Jeremy Greening to explore why financial regret can stay with us for years—and how to finally move beyond it. Through honest personal stories, they discuss the emotional weight of missed opportunities, poor investments, and decisions that continue to shape how we see ourselves. Jeremy explains why the pain often comes not from the financial loss itself, but from the self-judgment we attach to it. Together, they share practical tools to turn regret into valuable lessons, rebuild confidence, and make better financial decisions moving forward. Whether you're carrying regret over property, investments, debt, or missed opportunities, this conversation will help you stop looking backward and start building your future with clarity and confidence. • Why financial regret can stay with us for decades • The difference between productive regret and self-punishment • Why your brain keeps replaying past financial decisions • How self-judgment creates more pain than the original mistake • A simple writing exercise to separate lessons from punishment • Why taking one financial action can break the cycle of regret • How forgiveness helps you move forward without forgetting the past • Why one bad financial decision doesn't define your future • How consistent good decisions build wealth over time • Resources available to help process financial grief and move forward Jeremy Greening is a grief coach, speaker, and author who helps people navigate loss, life transitions, and emotional healing. His work focuses on helping individuals move from grief and regret toward resilience, purpose, and hope through practical coaching and resources. Website: valleys2victory.com David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

14. 

    22 Jul 2026

    Small Problems, Big Costs: Money, Burnout & The Power of Prevention

    Small problems rarely stay small when they're ignored. In this episode, Jody Salmond and David Kennington explore the connection between financial stress, burnout, mental health, and preventative action. From equipment breakdowns to growing credit card debt, the message is simple: spotting problems early can save you significant money, stress, and pain later. David shares how the preventative mindset used in equipment maintenance can be applied to personal finances, while Jody discusses her experience with financial loss, burnout, and how play, connection, trust, and laughter helped her recover. The conversation covers practical financial habits, including reviewing bank statements and subscriptions, staying engaged with superannuation and investments, managing debt, and making small changes before problems become major crises. Whether you're a tradie, business owner, or simply trying to improve your financial and mental wellbeing, this episode is a reminder that prevention is often cheaper—and easier—than recovery. What You'll Learn: • Why small financial problems can become major expenses when ignored • How regular financial check-ups can help you stay in control • The importance of reviewing bank statements and subscriptions • How debt and interest can quietly create financial stress • Why staying engaged with your superannuation and investments matters • How burnout can affect your decisions and overall wellbeing • Why play, connection, trust, and laughter support recovery • The connection between equipment maintenance and financial planning • Why prevention is often cheaper than repair • How diversification can help reduce financial risk • Simple ways to regain control of your finances one step at a time About the Guests: Jody Salmond is the founder of The Element of Play, an author, speaker, and wellbeing advocate who helps people overcome burnout through play, connection, and practical strategies for building resilience. David Kennington is a financial educator and industry professional who helps tradies and everyday Australians develop stronger financial habits through simple, practical, preventative strategies. Website: tradiesearn.com

15. 

    22 Jun 2026

    My Story, The Mission & Why This Podcast Exists

    Welcome to From Pay to Wealth – For Tradies. In this first episode, I share my story—from earning good money but having nothing to show for it, losing $10,000 through a super fund, and feeling completely stuck financially. Within a year, I went from renting with no real assets to owning two properties, and it changed the way I think about money forever. This podcast is for tradies who work hard, earn decent money, but still feel like they're falling behind. We'll cover practical topics like budgeting around roster cycles, understanding your super, managing debt, building savings, investing, and creating simple money systems that actually fit the way tradies get paid. No finance jargon. No unrealistic sacrifices. No lectures about giving up every coffee or weekend away. Just straightforward, real-world strategies designed to help you take control of your money and build wealth one pay cycle at a time. Subscribe now and join the community at TradiesEarn.com for more practical tools, resources, and support.

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Guest appearances

Books guests

Based on episode analysis; this does not confirm that the show is currently accepting guests.