From $60K to $153 Million: How Scott and Mina O’Neill Built a Real Estate Empire That Changes Lives

In a world where wealth is often associated with privilege, inheritance, or a lucky break, Scott and Mina O’Neill stand as proof that strategic thinking, discipline, and impact-focused investing can build a legacy from the ground up. The Australian couple, once owners of a modest $60,000 in savings, now helm a property empire worth an estimated $153 million—and they’re not stopping anytime soon.

The Humble Beginning

Just over a decade ago, Scott was working in finance and Mina in human resources. The couple, like many millennials navigating the post-recession world, were frugal but determined to carve out a financial future that gave them both freedom and purpose.

They began their journey into real estate investment with a single residential property in Western Sydney. It wasn’t glamorous, but it was a calculated step. “We realized very quickly that residential properties alone wouldn’t get us the kind of income or life we wanted,” Scott shared in a recent interview.

That realization sparked a pivot that would ultimately redefine their trajectory.

The Shift to Commercial Real Estate

The turning point came when they discovered the power of commercial real estate. Unlike residential investments, commercial properties—like warehouses, medical centers, and retail spaces—offered higher yields, long-term leases, and lower overhead in many cases.

“Most people shy away from commercial because they don’t understand it. But that’s where the opportunity lies,” Mina explained. The couple doubled down on education, networking, and risk assessment. Their portfolio quickly expanded from one building to an expansive range of recession-resilient properties across Australia.

Building a Legacy with Rethink Investing

In 2014, Scott and Mina founded Rethink Investing, now one of Australia’s leading buyer’s agencies for commercial property. The firm was born out of their desire not just to grow their own portfolio but to democratize access to smart investing for middle-income Australians.

Rethink Investing has since helped thousands of everyday people—teachers, tradespeople, small business owners—secure passive income through commercial real estate, with an average client yield of 6.5% to 8% per annum.

Their business model doesn’t just create wealth—it empowers others to build lives of choice, not constraint.

Staying Grounded While Scaling Big

Despite their soaring net worth and industry influence, the O’Neills maintain a surprisingly grounded lifestyle. They’re vocal about the importance of financial education, responsible debt, and long-term thinking.

“We’re not flashy people,” Scott said. “The goal was never just the money. It was about buying back our time and helping others do the same.”

The couple continues to live relatively modestly, directing much of their profits toward expansion, philanthropy, and education.

A Wealth of Impact

Scott and Mina are now working on several initiatives that blend capital growth with social responsibility—like converting unused land into sustainable business hubs and supporting housing solutions in underserved areas.

They also actively mentor young entrepreneurs and investors, proving that impact wealth isn’t just about how much you make—but what you do with it.

Final Takeaway: Lessons for Aspiring Impact Investors

• Start with what you know and grow into what you don’t.

• Don’t fear commercial property—it’s often the smarter bet.

• Use your wealth to empower others, not just enrich yourself.

• Educate yourself constantly—wealth favors the informed.

Scott and Mina O’Neill didn’t inherit a fortune. They built one. And more importantly, they’re building a movement—one where wealth is a tool for freedom, generosity, and transformation.