Debt to Financial Freedom

De: Victor Lagos
  • Resumen

  • Welcome to the Debt Financial Freedom Podcast. Everyone loves the benefits of money, but so many of us avoid the hard truths about saving and investing. We wrongly assume we don’t have enough time, capital or knowledge to be able to get to the point of having passive income streams, savings, or investments.The things we really need to know about money aren’t taught in schools. Spending less than you earn, maximising your income, budgeting, taxes, mortgages, investments and passive income - if you didn’t learn these things from your family, then you’re probably like most people who rely on credit cards, buy now, pay later and overdrafts. And then when you want to invest or buy property you will be wondering why you can’t get approval.But there is no judgment from me here - I was in exactly the same situation! Huge debt, poor financial habits and no assets to my name. Step by step I turned my situation around and now, as a certified mortgage broker for 16 years with several investment properties in my name, I’m here to help you go from debt to financial freedom. Because if I can do it, you can too.In this podcast, I will share tips, insights and strategies from my own journey and experience, as well as my clients and guest experts, who share my values and mission to help others create financial freedom. My goal in this podcast is to share raw, honest, transparent, and helpful stories that you can relate to, and that will inspire you to take control of your finances. The only ‘good’ debt is debt that brings you closer to financial freedom and I will show you exactly how to achieve this. Everything shared by me and my guests in this podcast is general in nature, and for education purposes only. None of your personal objectives, financial situation, or needs have been taken into consideration. I highly recommend you seek personal, financial, legal, taxation, and credit advice before you take action on what you heard on this podcast.
    © 2023 Debt to Financial Freedom
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Episodios
  • From Plumbing to Purpose: Grant Chugg’s Mission to Fight Poverty in Africa
    Apr 10 2025

    In this powerful episode, I speak with Grant Chugg, a Tasmanian plumber turned humanitarian, who shares his life-changing journey from business success to purpose-driven impact in Africa.

    After a New Year's resolution led him to say “yes” to a trip to Burundi in 2017, Grant found himself face-to-face with extreme poverty—and a deeper calling. What he witnessed in the eyes of a 4-year-old boy looking after a goat instead of going to school changed everything.

    Since then, Grant has been building schools, supporting communities, and feeding thousands through Villages of Life, a grassroots organisation transforming lives across Burundi and Rwanda.

    Right now, over 50,000 people—mostly women and children—are displaced from Congo, fleeing for their lives. For just $25, you can feed an entire family for two weeks and provide them with a water container that can offer ongoing income-generating opportunities.

    🎧 In this episode, we cover:

    • Grant’s entrepreneurial journey in plumbing


    • What sparked his humanitarian work in Burundi


    • The heartbreaking moment that keeps him going


    • How education is breaking generational poverty


    • A crisis unfolding right now—and how you can help

    💡 I’ve pledged to donate 80% of my commission from every loan or refinance to this cause.
    If you’ve been thinking about refinancing, now’s the time to make your loan mean something greater.

    Make a Donation:

    https://villagesoflife.org/projects/2503-vol-burundi-emergency-food-relief-2025

    Learn More About Villages of Life: https://gcptas.com.au/giving-back/

    About the Guest:

    Grant Chugg is a seasoned business owner, humanitarian, and dedicated advocate for education and poverty alleviation through Villages of Life. He serves as Managing Director at Grant Chugg Plumbing in Launceston, Tasmania, and actively supports sustainable humanitarian projects.

    Connect with Grant:

    • Website:https://gcptas.com.au/
    • Facebook: https://www.facebook.com/grantchuggplumbing/
    • LinkedIn: https://www.linkedin.com/in/grant-chugg-005294ba/
    • Instagram: https://www.instagram.com/gcp_the.smart.living.centre/

    More Ways to Connect & Learn 📲

    🌎 Lagos Financial Website: https://lagosfinancial.com.au/
    📩 Book a Free Consultation: https://lagosfinancial.com.au/book-complimentary-assessment/
    📢 Follow Us on Social Media:
    🔹 Instagram:
    https://www.instagram.com/lagosfinancial/
    🔹 LinkedIn: https://www.linkedin.com/company/lagosfinancial/
    🔹 Facebook: https://www.facebook.com/LagosFinancial
    🔹 Tiktok: https://www.tiktok.com/@lagosfinancial
    🔹YouTube: https://www.youtube.com/@debttofinancialfreedom



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    1 h y 25 m
  • Why Willpower Alone Won’t Get You Financially Free — with Tristan Scifo
    Apr 1 2025

    What if your struggle with money has nothing to do with spreadsheets or strategies... and everything to do with connection?

    In this raw and honest episode, Tristan Scifo joins Victor Lagos to unpack the deeper emotional roots behind our financial behaviour. Together, they explore the role of resilience, ADHD patterns, and how meaningful relationships can be the real gamechanger when it comes to building wealth.

    You’ll hear:

    • Why desire is more powerful than discipline
    • The psychology of behaviour change (especially for those with ADHD)
    • How a mentor or loved one can help you reset your nervous system and stay grounded
    • The overlooked role of emotional support in wealth creation
    • Real strategies to build lasting motivation

    This episode is perfect for anyone feeling stuck or burnt out by the constant pressure of “adulting,” especially in the world of finance and entrepreneurship.

    Guest: Tristan Scifo – Founder of Purpose Advisory

    Money wasn't abundant in Tristan's family growing up, but love and support were. The absence of financial guidance prompted him to seek out mentors in all areas of life he lacked in—especially wealth and business. This journey eventually led him to found Purpose Advisory, a thriving financial and life coaching practice dedicated to empowering others.

    Tristan has guided over 500 one-on-one clients, equipping them to build strong families, sustainable businesses, and meaningful lives through practical wisdom, strategic mentorship, and genuine partnership.

    Connect with Tristan Scifo

    Website: https://purposeadvisory.com.au/

    LinkedIn: https://www.linkedin.com/company/purposeadvisory/

    Personal LinkedIn: https://www.linkedin.com/in/tristanscifo/

    —-----------------------------------------------------------------------------------------------------------------------

    Prefer to watch? View the full video podcast on YouTube:
    👉
    https://www.youtube.com/@debttofinancialfreedom

    FREE MASTERCLASS
    Sign up for our exclusive private masterclass where we show you step-by-step how to create a custom AI coach that keeps you accountable and helps you level up!
    🔗 Register here:
    https://www.lagosfinancial.au/widget/form/DJ5YvD4KgrGZShH1Baqx

    —-----------------------------------------------------------------------------------------------------------------------

    More Ways to Connect & Learn 📲

    🌎 Lagos Financial Website: https://lagosfinancial.com.au/
    📩 Book a Free Consultation: https://lagosfinancial.com.au/book-complimentary-assessment/
    📢 Follow Us on Social Media:
    🔹 Instagram:
    https://www.instagram.com/lagosfinancial/
    🔹 LinkedIn: https://www.linkedin.com/company/lagosfinancial/
    🔹 Facebook: https://www.facebook.com/LagosFinancial
    🔹 Tiktok: https://www.tiktok.com/@lagosfinancial
    🔹YouTube: https://www.youtube.com/@debttofinancialfreedom

    Más Menos
    1 h y 15 m
  • Why Willpower Alone Won’t Get You Financially Free — with Tristan Scifo
    Apr 1 2025

    What if your struggle with money has nothing to do with spreadsheets or strategies... and everything to do with connection?

    In this raw and honest episode, Tristan Scifo joins Victor Lagos to unpack the deeper emotional roots behind our financial behaviour. Together, they explore the role of resilience, ADHD patterns, and how meaningful relationships can be the real gamechanger when it comes to building wealth.

    You’ll hear:

    • Why desire is more powerful than discipline
    • The psychology of behaviour change (especially for those with ADHD)
    • How a mentor or loved one can help you reset your nervous system and stay grounded
    • The overlooked role of emotional support in wealth creation
    • Real strategies to build lasting motivation

    This episode is perfect for anyone feeling stuck or burnt out by the constant pressure of “adulting,” especially in the world of finance and entrepreneurship.

    Guest: Tristan Scifo – Founder of Purpose Advisory

    Money wasn't abundant in Tristan's family growing up, but love and support were. The absence of financial guidance prompted him to seek out mentors in all areas of life he lacked in—especially wealth and business. This journey eventually led him to found Purpose Advisory, a thriving financial and life coaching practice dedicated to empowering others.

    Tristan has guided over 500 one-on-one clients, equipping them to build strong families, sustainable businesses, and meaningful lives through practical wisdom, strategic mentorship, and genuine partnership.

    Connect with Tristan Scifo

    Website: https://purposeadvisory.com.au/

    LinkedIn: https://www.linkedin.com/company/purposeadvisory/

    Personal LinkedIn: https://www.linkedin.com/in/tristanscifo/

    —-----------------------------------------------------------------------------------------------------------------------

    Prefer to watch? View the full video podcast on YouTube:
    👉
    https://www.youtube.com/@debttofinancialfreedom

    FREE MASTERCLASS
    Sign up for our exclusive private masterclass where we show you step-by-step how to create a custom AI coach that keeps you accountable and helps you level up!
    🔗 Register here:
    https://www.lagosfinancial.au/widget/form/DJ5YvD4KgrGZShH1Baqx

    —-----------------------------------------------------------------------------------------------------------------------

    More Ways to Connect & Learn 📲

    🌎 Lagos Financial Website: https://lagosfinancial.com.au/
    📩 Book a Free Consultation: https://lagosfinancial.com.au/book-complimentary-assessment/
    📢 Follow Us on Social Media:
    🔹 Instagram:
    https://www.instagram.com/lagosfinancial/
    🔹 LinkedIn: https://www.linkedin.com/company/lagosfinancial/
    🔹 Facebook: https://www.facebook.com/LagosFinancial
    🔹 Tiktok: https://www.tiktok.com/@lagosfinancial
    🔹YouTube: https://www.youtube.com/@debttofinancialfreedom

    Más Menos
    1 h y 15 m
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