In property, everyone talks about “the deposit” or “the bank.” But behind every property purchase, behind every family success story at TMAP, there are three forces that make it happen: Capacity, Commitment, and Desire.

Capacity: The Gatekeeper

Capacity is the hard number the bank calculates — borrowing power. For many students, this is where the journey stalls. Maybe income isn’t high enough yet. Maybe there’s debt weighing things down. Maybe a family has equity but no servicing power.

On its own, capacity looks like a wall. But TMAP teaches that walls can be climbed with strategy. Equity in a Kiwi property can unlock an Aussie home. Family pledges can provide security. And when one member has income while another has equity, capacity is created.

Capacity is the gatekeeper, but it doesn’t have to be the blocker.

Commitment: The Deciding Factor

Lots of people have the numbers to buy but never do. Why? Commitment.

Commitment is getting serious about money management, building savings, and being ready to take action when the opportunity comes. It means sticking to the Wealth Game habits when it’s easier to slide back into Poverty Game habits.

At TMAP, commitment is where most families break through. Once the commitment is made, everything changes. The late nights working, the skipped luxuries, the tough decisions — these are the signs of someone committed to changing their financial story.

Desire: The Fuel

Capacity and commitment mean nothing without desire. Desire is the fire that keeps people moving even when things are slow, tough, or overwhelming. It’s the vision of children owning property before they’re 18. It’s the determination to break a cycle of renting. It’s the hunger to leave a legacy.

Desire is what pushes a family to use every strategy available: OPM, Equity, TMAP2STEP, SMSF. It’s what makes a dad sacrifice weekends, or a mum stay focused through debt repayments, because the vision of a better future is stronger than the pull of comfort today.

The Wealth Game Lens

  • In the Poverty Game, people focus only on what they don’t have: “No deposit, no capacity, no chance.”
  • In the Comfort Game, they might save and buy one property, but without strong commitment, they stop there.
  • In the Wealth Game, students combine capacity, commitment, and desire — and repeat the process until they reach the top of the mountain.

What CCD Means for You

If capacity is low, borrow belief from the TMAP mentors. If commitment is shaky, lock into the community for accountability. And if desire needs fuel, come back to the summits where real families show what’s possible.

When all three come together, property ownership is not just possible — it’s inevitable.

👉 The question is: Do you have CCD working in your corner? If not, it’s time to sit down with the TMAP team and put the pieces together. Book a call today and start climbing.