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What is the Bulletproof Money Plan?

To have a better lifestyle and get ahead financially you don’t actually need to earn more money. You just need to use the money you earn now—in a better way. Angela’s Bulletproof Money Plan will show you how to save for emergencies, pay off all your debt, and build wealth. It works every single time!

Start today and you will get financially fierce. Make your money bullet-proof in 10 steps.


Get to know your money (track, reduce, create budget)


Set up cash flow accounts


Automate savings (pay yourself first) & bills


Save up a $1,000 starter emergency fund


Repay all debts (excl. home) using the ‘snowball’ method


Protect yourself – insure properly and make a Will


Grow emergency fund to 3 – 6 months’ worth of expenses


Increase retirement savings to 15% of your salary


Buy a property – home OR investment (start saving a deposit or repay an existing mortgage faster)


Invest and build wealth elsewhere

Why it works

It’s more important than ever to have your personal finances in order so you can achieve great financial and personal success, but when learning about money, people often focus one or two areas, but it’s important to have ALL of the areas of money working together for you.

That’s what the Bulletproof Money Plan is all about.


It means moving money away from eyesight (and removing easy access), by using a few different bank accounts which are earmarked for various purposes, where it be to pay regular bills of the holidays. This ensures money is available when needed, instead of accidentally been spent from week to week just because it’s in your everyday bank account. After putting money aside to cover commitments, whatever is left over can be spent without worry or confusion.

Saving money is the first step to creating wealth and means more money in your back pocket. It’s the fundamental basis of all successful money management. Unfortunately though, it doesn’t mean that your money is working for you. Without also investing, you will never have any more money than what you can save. The purpose of investing is to make money; more money than what you physically earn from a job. To create real wealth, you need to save first and invest second. By investing your money properly, your money will earn ‘interest’ (income) and go up in value over time (capital growth).

It’s important to protect the most important areas of your life—just in case something unexpected happens. This means looking after your income and your life! Everything else is optional.

Estate Planning makes sure that the right assets are in the right hands at the right time. It’s about putting in place some strategies now, so your final wishes are granted later on. There’s no point in building your wealth, for it to go to the wrong person (or worse, the government!) because you forgot about estate planning!

The Bulletproof Money Plan covers it all!

How to get started…

Meet Angela Santalia

With over two decades of experience working in the Australian Financial Planning industry as a Financial Paraplanner (Strategist), Angela has learned a lot about money, people, and which spending habits do and don’t work. In her work as the Money Messenger, Angela’s mission is to increase financial literacy in everyday Australians by educating and empowering people to take control of their finances, get out of debt and use their income in better ways to create the life they want.

Angela is also an investor herself and practices what she preaches. She’s never had any personal debt and built a sizeable property portfolio starting from zero, even after a challenging childhood.

Awarded ‘Entrepreneur of the Year’ Finalist in 2021 for Women in Finance and ‘Young Investor of the Year’ Runner Up in 2017 for Your Investment Property Magazine.

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