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In Episode 12 of LUX Chats, host Steve Mac sits down with Rob - a finance broker with over 20 years in banking who walked away from the corporate grind to build something on his own terms. What followed wasn't a straight line. It was burnout, reinvention, and a slow build back to momentum. Now he's coaching the next generation of brokers, writing deals in the $20M+ space, and setting his sights on $150M for 2026. In this episode: Why Rob left banking after 20+ years and how he rebuilt The loneliness of going solo and how to push through it Coaching new brokers: breaking down the "it's too hard" mindset How to calculate the value of a commercial property Commercial vs residential investment — pros, cons and returns SMSF lending and what's changing Why momentum is everything and how to protect it 🎙️ LUX Chats is brought to you by LUX - a premium networking community for driven professionals. New episodes dropping regularly. Connect with LUX: https://luxvipevents.com.au/ Follow us on Instagram: / lux.vip.events Filmed & Edited at The Creative Hub - https://www.thatcreativehub.au/ #LUXChats #FinanceBroker #CommercialProperty #WealthCreation #SMSFLoans #MindsetMatters #AustralianFinance #PropertyInvestment #Podcast #Networking 00:00 - Intro & meet Rob 01:00 - Why Rob shifted from banking to coaching & mentoring 02:35 - Key attributes every broker needs to know 03:40 - The loneliness of working solo & how to push through 05:30 - Momentum — why you can never take your foot off 06:10 - Rob's 2026 goals & targets 07:40 - Playing in the $20M+ development space 09:05 - The luxury dream — European family trip & the G-Wagon 11:10 - LUX events & what's coming up 12:25 - What keeps you getting out of bed on the hard days 15:10 - Commercial property 101 — how to calculate real value 16:35 - Commercial vs residential investment — which wins? 18:05 - New vs old commercial property & depreciation 18:35 - Finding tenants — agent vs private 19:40 - SMSF lending & self-managed super funds 20:35 - Wealth creation — why starting today matters 21:44 - Rob's final message to the audience