Melvin Lim from PropertyLimBrothers explores the concept of the Equity Triangle and the core mechanism he calls the Triple Movement of real estate: broad-based inflation, asset inflation, and debt erosion. Through the story of Andrew and Z, a couple who scaled their portfolio from an $800K HDB to $4.6M in residential assets, Melvin illustrates how disciplined reinvestment, understanding seasons of investment, and healthy leverage can change the trajectory of one’s financial future.   He breaks down how recognising life’s seasons—summer for growth, winter for divestment—can guide strategic property decisions. Hear real examples of how inflation affects both property value and loan value over time. Learn how to structure your holdings for lasting flexibility and eventual passive income. For anyone navigating real estate strategy from age 25 to 65, this episode is not to be missed!   0:00 - Intro1:29 - Building your Equity Triangle1:43 - Real Estate Appreciation Triple Movement3:05 - Inflation3:37 - Asset Inflation4:52 - Leverage6:39 - 10:13 - Case Study: Andrew & Ziyi13:00 - Growing into a $4 Million Portfolio14:57 - Protected Savings15:42 - Winter Season Route16:13 - Capital Appreciation based on inflation17:05 - Funnel of Passive Income19:19 - Mechanism of the Equity Triangle20:29 - Acceleration of Asset21:21 - Compound Interest Building22:22 - How you can still enjoy23:49 - Outro