The financial reset that changed the Inu family’s future
After years of spending without a long-term plan, an Infinity Group-led mindset shift helped Kacey and Lene reduce debt, build investments and rethink their future. They’re now on the path to paying off their mortgage, while creating precious memories with their four children.
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Like many high-earners, Kacey and Lene Inu spent much of their adult life living what they now describe as a reactive financial lifestyle.
“We spent most of our time just spending all our money, living week to week,” says Kacey. “We’d get paid, we’d spend, go out for meals, we’d go on holidays and we’d buy designer sunglasses.”
The parents of four say their financial decisions were often driven by short-term comfort, rather than long-term strategy. Kacey admits the family lacked financial literacy, savings and a way to plan for longer-term wealth. By the beginning of 2024, the couple had around $3,000 in savings, car and Afterpay debt and growing financial stress.
One night, she came across Infinity Group through Instagram and the couple later listened to Infinity founder Graeme Holm’s Bothsides podcast.
“It sounded too good to be true,” says Kacey.
While initially unsure, the pair decided to pay for Infinity Group’s Masterclass, which they say was the start of rapid financial transformation. Soon, they began restructuring their finances, introducing budgeting systems and rethinking how they approached spending, debt and long-term wealth creation.
“They had no toys to sell like other people do. They’ve done this purely on their own through discipline.” – Rachel Howlet
Kacey says the results came sooner than expected: within a few months, they had set up a self-managed super fund (SMSF) and bought their first investment property. They’ve since picked up another one, while focusing heavily on debt reduction and cashflow management.
At the same time, they each began to reassess their income strategies.
Lene is a self-employed personal trainer and began to expand his business, while Kacey moved away from a corporate role in favour of her passion.
“I remember saying to G (Graeme), ‘I’d like to use the position I am in to build up my online business,’” Kacey says. “I’ve got a health and fitness background. I don’t know why I’m not utilising it more, in addition to my investigator work.”
However, she didn’t expect she’d be in the financial position to be able to transition away from her high-earning role. Thanks to Infinity’s guidance, Kacey is now able to work on both her health business and take on corporate clients.
“The amount that we’ve been able to build up in redraw, that’s just given us that flexibility to be able to do that,” she says.
Disciplined financial management and a dream come true
Infinity Group finance strategist Rachel Howlett, who has worked closely with the family, says the couple’s success has been driven by their grit.
“They had no toys to sell like other people do,” she says. “They’ve done this purely on their own through discipline.”
The Inus say they have been proud to impart some of the key Infinity Group lessons on their four children, particularly around financial literacy and management.
“I feel like it would be a massive departure of responsibility on our behalf if we weren’t to pass on to them what we’re learning now,” Kacey says.
“We explained to them, there’s going to be some changes… We’re not just going to be going out for dinner three times a week anymore and spending all day at Westfield and just buying everything that we see,” she says
Instead, the family shifted its focus toward experiences.
“We want these important cultural events like birthdays and Christmases to be important, but not centred around physical gifts that you get rather than memories that you can make,” she says.
The most exciting example of that new philosophy was when the family got to experience one of its biggest milestones yet: a trip to Canada for a white Christmas – a long-term dream they had previously believed would only be possible after becoming mortgage-free.
“We never thought we would be able to do it,” says Kacey. “We never thought that would happen.”
While the holiday was expensive, they approached it with more confidence knowing they treat their financial decisions differently these days.
“We know that we can make it back up,” she says. “We know we’ve got to lock in again and build up the redraw.”
The rebuilding process is a key part of the couple’s strategy. They say they are now in the process of reducing their debt and building up their investments.
“When you see what’s possible, you just want to do everything to accelerate the process,” Kacey says.
“There are still moments where we need to check ourselves and go, ‘Hang on, it’s okay. Everything’s okay’.”
Ultimately for Kacey and Lene, the experience with Infinity has fundamentally changed the way they think about money.
“You start to go, ‘What’s possible?’” Kacey says. “And you think differently.”
Read more: How the Cherrys paid off their mortgage in four months
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