Welcome to the Barefoot Life
G’day,
Welcome to the fastest-growing wealth-building
community in Australia.
You’ve made an important first step towards complete
financial freedom.
I’ve bolded those three words for a reason. I don’t say
them lightly.
It’s not a flippant remark.
It’s a promise.
From this day forward, if you walk through my common-
sense plan, you’re certain to achieve financial freedom...
regardless of your current situation.
Twelve years ago I took the same step you’ve taken
today.
I ripped the shackles off…and went ‘barefoot’.
Now, very few experts would share the contents of their
wallets...but that’s exactly what I’m going to do in these
pages. I’ve poured hours of my own personal research
into what you’re about to read.
A Peek Inside My Wallet | Page 2
You will learn:
• The best zero-fee bank account in Australia today…
• Where to park your savings for the highest interest
rate…
• The most effective home loan to take...the best super
fund...and more.
This is what I do with my own money and savings.
I hope you are beginning to see...I’m different to most
financial advisors and experts.
In fact, I realised just how different I was the first time
I pulled on a suit and walked into the Australian Stock
Exchange. It dawned on me that the entire game was
rigged.
Most ‘advisors’ were posers who didn’t have two bob
to rub together. Worse, they made money from leeching
commissions and fees from their clients, and flogging
bank-owned products.
But I never really fitted in with the flash finance crowd.
But standing out and standing up for something turned
out to be a great thing and a great thing for you too, as
you’ll learn in the coming weeks and months.
So before we go on...
Welcome to the Barefoot Life
LET ME EXPLAIN WHERE I’M COMING
FROM
Since I kicked off my shoes and began treading my own
path…
I’ve presented a primetime property show (Under the
Hammer), been Channel 7’s money guy on the national
news, and hosted The Barefoot Investor program on
CNBC, the largest television financial news network in
the world, reaching millions of people around the world.
I write a weekly headline column for News Limited and
for the last five years have worked for Triple M with Eddie
McGuire.
I’ve been a key advisor to AFL and Rugby League teams
on independent wealth-creation strategies.
I’ve personally helped Sir Richard Branson launch a new
finance venture here in Australia.
And lately I’ve been employed by the Australian
Government to help overhaul financial education in every
school in the country (a very big passion of mine).
But let me confess something…
WHAT MONEY REALLY MEANS
Truth is, I’m a farm boy at heart.
I was born that way, and I like to live that way.
“The Barefoot Investor Makes Finance Fun!”
A Peek Inside My Wallet | Page 3
In fact, I bought my young family a sheep farm two years
ago. That’s where we spend most of our time.
See, the only reason I’m in the position I am today is that
I took the steps I’m teaching other people.
No, I don’t drive around in a Porsche (I prefer my Ford
ute). I don’t wear fancy suits (I wear jeans to work). I like
hanging out on the farm with my two boys. But the thing
is, I don’t worry about bills…or when (or where) I’m going
on my next holiday.
That’s all money is to me.
Most people who get into finance do it
for wealth, notoriety or $2,000 suits
and flash cars. That never interested
me. I just wanted my freedom.
Today, I’ve got it.
I didn’t do it with any get-rich-quick schemes (or by
selling get-rich-quick schemes), I didn’t do it stealing
fees from the regular wally, and I certainly didn’t do it
making wild bets on the stock market.
And now all I want to do is to help you achieve financial
freedom too.
- Sir Richard Branson
Welcome to the Barefoot Life A Peek Inside My Wallet | Page 4

A SIMPLE, BUT SURE WAY TO WEALTH, It doesn’t have to be that way – and it shouldn’t be that
HAPPINESS AND FREEDOM way

I took what I learnt about finance, and turned it into a That’s why I started the Barefoot Investor.
set of common-sense guidelines, and I’ve lived by those Finances shouldn’t be about three-piece vests or gold
rules. pocket watches.
That’s it. Finances – when done right – is about freedom.

No magic. No gambling with stocks. It’s about YOUR freedom.

Just sound financial planning.
If you want to wear a suit, that’s fine. But if you want to
And you know what? run barefoot along the beach, that should be fine too.

That’s why I’m delighted to welcome you into our

Anyone, in any situation, can do it.
community.
Yet it’s sometimes difficult being heard above the shrieks
I want everyone to have the freedom – from worry, from
of the financial selling machine. debt, from pressure – that comes from having a handle
The people who should be telling you these things, don’t on your finances.
– because if you’re in the dark it’s that much easier for You’ve made a big first step.
them to charge useless fees, take a percentage of your
investments, or push you into debt so they can make
money off you every month. Very few Aussies get truly
independent financial advice.
For most people in the financial
industry, the less you know, the more But, from today onwards, you’re different.
they make. You’re about to reap the benefits of hours of my own
personal research as I reveal exactly where I park my
personal money and savings.

THE BAREFOOT COMMUNITY IS ALL Welcome to the Barefoot life. I hope you like it as much
ABOUT YOU as I do.

When it comes to money it feels like so much is hidden

behind walls of stuffed shirts and expensive wingtips. It
is. I know because I’ve spent a lot of time behind those
walls.
But I will also tell you this…
Inside My Wallet A Peek Inside My Wallet | Page 5

THE BEST BANK ACCOUNT

I refuse to pay for basic banking. Seriously, they’re
paying two-parts of bugger all interest, and they try and
sling on account-keeping fees. Bugger that.

The truth is it’s easier to bitch than to switch... However,

at Barefoot we prefer to bitch and switch.

So let’s do that.

If you don’t have a mortgage, move over to ME Bank’s

Everyday Transaction account.

Why? Because it has zero account-keeping fees,

zero ATM fees (yes, even if you use a dodgy ATM at a
convenience store), and you get bonus interest paid on
an attached savings account.

There are no minimum deposits and you can make

unlimited free withdrawals from either account. The only
catch is that to get the bonus interest on the savings
account you’ll have to make a PayPass purchase with
your debit Mastercard at least once per week.

Now, if you’ve got a home loan with a bank, you

shouldn’t be paying basic account-keeping fees at all.
That’s just plain rude. Call them. Immediately. Tell them
to stop it. (More on getting a cracking home loan deal in
a minute.)

By the way, I personally use the ING Orange Everyday

Account for my day-to-day banking buckets.

That’s because I am not a ‘rate tart’. I have no interest

in switching accounts every time some other institution
offers a piddly 0.15 per cent extra interest. It’s just not
worth my time.
In summary: Zero fees. Good interest. All in one account.
Simple.
The centrepiece of the strategy is an account that I call
“Mojo”, a separate, high-interest earning online savings
account where you start with $2,000 and then work up to
having three months of living expenses on hand. (At the
risk of sounding sexist, most women love Mojo.)

(You may have more time on your hands, perhaps
because you live at home with your mum and she does
your ironing and plaits your hair, leaving you free to pore
over spreadsheets on a Saturday night. If that’s you, feel
free to look at our current best pick, the ME Everyday
Transaction Account.)
BEST MOJO SAVER ACCOUNT
It’s now become kind of famous… but just before we
got married I took my fiance out for dinner to the local
Romsey pub and sketched out out our entire money
management plan on the back of a serviette:
The Mojo account that I recommend is the ME Bank
Savings account, linked to the ME Bank Everyday
account. It’s currently paying a market-leading rate of
3.05 per cent. That’s 1.30 per cent, plus a bonus 1.75 per
cent.
Now, I personally use the ING Savings Maximiser for my
Mojo account at 2.75% (1.15% bonus rate and 1.6%
standard rate when you deposit $1,000 per month). Like I
mentioned previously, I’m no ‘rate tart’.
Finally: if you come into some money that you want to
park for the short term, you have two options: if you’ve
got a mortgage, park it in your offset account. If you
don’t, stick with an online savings account — you’re not
getting enough of a premium to be locking your money
away in a term deposit.
Inside My Wallet
THE BEST OVERSEAS TRAVEL CARD
Travel money cards that the big banks offer are marketed
as ‘commission free’... but they leg you on the exchange
rate. So for your next trip overseas use the Citibank Plus
Account. It has no transaction fees, no ATM fees, no
currency conversion fees — and they won’t screw you on
the exchange rate.
THE BEST CREDIT CARD
Roughly 30 per cent of Aussies fail to pay off their card
each month. The average card has $4,200 on it, racking
up around $840 a year in interest — compounding. So
for me the best credit card is no credit card. In fact, I’m
proud to say that I haven’t had a credit card since before
Justin Bieber’s voice broke.
Here’s you: “What about getting 55 days interest free?”
Here’s me: “I’ll admit it tickles my tightwad loins, but just
make sure you’re not paying an annual fee, and watch
how the bank calculates the interest period, or you’ll get
hit with a 20 per cent interest bill.”
Here’s you: “What about rewards points?”
Here’s me: “Each point is worth between half a cent and
four cents, and the airlines (who make billions from these
programs) keep changing the rules. Find a new hobby,
trainspotter.”
Here’s you: “What about balance transfer deals to pay it
off once and for all?”
Here’s me: “They’re like a chainsaw — helpful, but there’s
always a chance you’ll slice your hand off.”
A Peek Inside My Wallet | Page 6
Still, it can work. If you’ve got the average $4,200 credit
card debt, it’s time for some plastic surgery:
Step 1: Cut up your card.
Step 2: Apply for the Vertigo Visa (from Bank of
Melbourne, St George Bank or BankSA) no annual
fee card, with a 18-month balance transfer. You’ll be
slugged with a $55 yearly fee, but given the interest
savings, it’s not a bad deal.
Step 3: Cut up the Vertigo card when you get it.
Step 4: Pay off $150 a fortnight and it’ll be paid off in 18
months.
THE BEST HOME LOAN
One of my best party tricks is helping people slash
thousands of dollars off their home loans, without having
to go through the hassle of actually switching banks
(which is second only to attending a Wiggles concert
with your ADHD nephew).
Even better, over the years I’ve refined the approach, and
now have a script that has worked by people of all ages,
in all states.
Ring your bank and tell them you want a better deal.
Here’s what to say:
“I’m moving my loan over to UBank. They’re offering
me a variable rate at 3.99 per cent. Yes, I know they
don’t have an offset account, but I’m at peace with
that. I’ve completed the online application...so can you
please tell me what steps I have to do to move across
my mortgage from your end?”
(This is a bluff, of course.)
Here’s the thing: it costs your bank about $1,000 in
marketing costs to replace you (and about six times that
amount if you come via a mortgage broker that they have
to pay kickbacks to).
The bank’s sales team have strict targets (backed by
incentives) that they have to meet — one of which is
retaining profitable customers by giving them discounts
to keep their business.
So let’s talk about what it could mean for you: my
research shows a single phone call could save you a
massive $83,913 over the life of your loan. Give it a try on
your way home from work tonight, and then let me know
how you go!
Inside My Wallet
A word of warning: If you do have less than 20 per cent
equity in your home, don’t refinance. Most banks will
whack you with a second round of Lenders Mortgage
Insurance (LMI), which can cost upwards of $20,000.
Bugger that.
THE BEST SUPER FUND
Superannuation has been an amazing investment...for
fund managers.
Collectively they skim $23.5 billion in fees from our
accounts each year...and very few earn their keep. Over
your working life super fees can cost you a staggering
$300,000, according to analysts Chant West.
As a totally independent advisor, I can tell you that the
truth is there’s virtually no correlation between the fees
you pay and the performance you get. In fact, one of the
few things you can control with investing is the fees you
pay.
And while there are a huge number of options when it
comes to managing your nest egg, it makes sense to
look at the cheapest super fund in Australia.
It’s a crude measure, but it’s a good starting point for
A Peek Inside My Wallet | Page 7
your research.
The cheapest fund is the Hostplus Balanced Index Fund,
which charges an administration fee of $1.50 a week,
and an amazing 0.03% in fees for a balanced mix of
Aussie shares, international shares, fixed interest and
cash. On a balance of $50,000, that’s a total fee of just
95 bucks.
Here’s you: “Yes, but I want control of my super, so I’m
going with an SMSF!”
Here’s me: “What most people don’t know is that there
are a number of super funds that you can join that allow
members to invest their super balance directly into
shares – just like a traditional SMSF, but without all the
hassles. I call them an SMSF Lite.”
Take a look at the funds that offer this kind of option,
some of them are: Media Super, Legal Super, Care Super,
ING Direct and HostPLUS.
Whatever fund you end up choosing, look out for three
things: the fees you pay, the investment features you
need, and insurance options.
And You’re Done!
Experience has shown me that it takes the average
person about an hour to set these up accounts - and for
most people, the benefits will be more than $500 every
year.
BONUS:
HOW TO GET FREE CARS FOR LIFE
I’ve never had a car lease. Instead, I pay cash for
my second-hand cars, and claim work-related travel
accordingly. Plus I have a cracking little strategy that
I call ‘free cars for life’, you should definitely check it
out by clicking the button below.
A ‘Blueprint’ for Increasing Your Investment Returns 20-Fold
A ‘Blueprint’ for Increasing Your Investment Returns 20-Fold
I’d like to conclude this report with a very big, very bold
and very specific prediction:
With your permission, I’ll help you easily and safely turn a
$10,000 into over $200,000.
I’ll do this by helping you to identify the path to wealth
that best suits your unique strengths, goals and interests.
I’ll also give you access to a proven investment blueprint
along with step-by-step instructions on how to get
started.
Best of all, you won’t risk a cent finding out how (details
in a moment).
But first let me give you an example…
HOW INVESTORS GET WEALTHY
Investors become wealthy by buying cheap stocks and
selling them at much higher prices, right?
Nope! In fact, you’re not even close.
Wealthy investors don’t pay a lot of attention to share
prices – in the short term at least.
Instead they focus on what Albert Einstein called the
eighth wonder of the world — compounding.
Let me explain…
WHERE YOUR RETURNS REALLY COME
FROM
Good companies earn profits. Great ones retain and
reinvest some of those profits back into the business,
then, twice a year, share what’s left over (the dividend)
with their investors.
In his book The Future for Investors, Professor Jeremy
Siegel found that over a 130-year period, a whopping
97% of the total return from stocks came from reinvested
dividends.
That’s right…just 3% of aggregate returns since
the 1870s came from capital gains on the originally
purchased shares.
And if you choose to reinvest the dividends you receive
into buying more shares, your investment grows −
because the dividends also start making money.
A Peek Inside My Wallet | Page 8
With time your investment takes on the appearance of a
snowball rolling down a hill – getting bigger and bigger.
This is what the wealthy do.
And you can easily do it too…
DOUBLE YOUR MONEY IN 10 YEARS AND
SNOWBALL IT EACH YEAR THEREAFTER
Remember all those dividend cheques in the mail?
Wealthy investors don’t spend them. They use them to
buy more shares.
How?
Well, some companies make the reinvestment of
dividends really easy. They offer shareholders the option
to sign up to a Dividend Reinvestment Plan (DRP).
When a dividend payment falls due, their DRP will issue
you with extra shares rather than cash.
This not only saves on brokerage fees for you, but as an
added benefit they’ll usually offer the new shares at a
slight discount to the share market price. Double bonus.
Using Siegel’s figures, these dividends add another 5.5
per cent to the returns, making a total of around 7 per
cent per year (and this is being conservative).
With these returns your investment now doubles in 10
years, not 46.
In other words…
In the time the average punter has doubled their money
(say, turning $10,000 into $20,000 over 46 years),
yours will have increased 20-fold (turning $10,000 into
$200,000).
So here’s the thing....
REVIEW THE BAREFOOT BLUEPRINT TO-
DAY, COMPLETELY RISK-FREE
What I’ve just shown you is one of the core — and most
powerful — investment approaches of The Barefoot
Blueprint.
This is my premium service that takes the ideas you find
in my free email…and puts them into action.
A ‘Blueprint’ for Increasing Your Investment Returns 20-Fold A Peek Inside My Wallet | Page 9

You see, fifteen years ago, when I was starting my career,
I wished there was a commonsense guide to getting your
money sorted.
There’s wasn’t, so I wrote it.
Four years ago, I wished there was a totally independent,
wealth building community that focused on implementing
the common-sense, time-tested rules of wealth that have
made people incredibly wealthy over time.
Cameron sums up what our exclusive ‘next level’
community is really about.
The Barefoot Blueprint is living proof that individuals
will make more money by working together and sharing
information than they do investing alone.
Our advice and recommendations are fiercely
independent. And they will empower you to take control
of you and your family’s future.

There wasn’t, so I created it.
And four years into the Blueprint, I’m incredibly proud of
what we’ve built.
When I say that the Barefoot Blueprint is ‘Australia’s
largest private wealth building communities’, I mean it.
Our private forums have well over 10,000 posts per
month.
Whether you want to slash years off your mortgage…
break free of your vicious debt cycle…or simply get
rich reliably and steadily, whether you’re an investment
novice or an experienced investor.
As I’ve shown you, the best way to create this wealth is
to build it over time, by buying shares in good companies
and using the power of compounding. Not sweating on
the rise and fall of share prices.

To say The Barefoot Blueprint is simply a newsletter is And if you find great companies (like those I personally
a vast understatement. I like the way Blueprint member select for you in the Barefoot Blueprint), you’ll be well on
Cameron, from Bendigo, VIC, says it: your way to not only becoming a successful investor, but
an incredibly wealthy one.

‘Being part of the Blueprint community has

had an incredible impact on my life. Seriously. To learn more about Blueprint membership
Being around people who are supportive, and our insane 365-day 100% money-back
encouraging, and winning has made a huge satisfaction guarantee , simply click here.
difference to me, and my bank balance.’ Updated as of January 2017

FIERCELY INDEPENDENT MONEY ADVICE

Your Barefoot Blueprint membership will empower you take control of your
family’s financial future.

If you want to:

• Slash years off your mortgage
• Break free of your vicious debt cycle
• Get rich slowly, but steadily (even if you’ve never brought shares before)
Join thousands of Aussies who are treading their own path to freedom by
following the Barefoot Blueprint today.

365-DAY - RISK-FREE - 100% MONEY-BACK

SATISFACTION GUARANTEE
If you’re not satisfied, we’re not satisfied! So if at any point in the next 365
days you’re not satisfied with your membership for ANY reason simply call
the office and we’ll give you a full refund - no questions asked!
Legal Information A Peek Inside My Wallet | Page 10

How We Do Business At Barefoot

The Barefoot Investor operates under an Australian Financial Services Licence (302081), however we have chosen
not to offer personal, one-on-one, financial planning advice.

That means we do not sell investment products, and we do not receive any commissions, or payments of any kind
for any of our recommendations. To be crystal clear, we do not have any arrangement with any financial institution,
and we do not accept advertising or speaking fees from financial institutions.

So what do we do?

We publish fiercely independent, straight-talking money advice... whether you’re 18 or 80.

Because we are financial publishers and not your financial advisor, we don’t provide investment advice that is tailored
to your personal situation. While we make specific recommendations, they should not be construed as personal
investment advice.

When we answer questions from readers, our advice is of a general nature only, and should not replace seeing
an independent advisor. To be clear: You should seek independent financial advice before acting on any of our
recommendations.

That’s the guts of it. However, if you’d like to read what Larry our lawyer has written, click here.

The Barefoot Blueprint is published by Barefoot Blueprint Publishing Pty Ltd. Registered Address: PO BOX 274
Romsey VIC 3434 (ABN: 54609929295, ACN: 609929295) Australian Financial Services License: 302081. Copyright
2016 Barefoot Blueprint Publishing Pty Ltd. All rights reserved.