‘I always love it when my rich friends share how they built their wealth. Usually I have to buy them whisky first, but now I can just buy Raf ’s book.’

– Rayn Ong, Venture capitalist and LinkedIn Influencer

‘Rafael is a diamond in the rough – he embodies hustle and grit. From collecting cans in Perth to a US private equity exit, his story proves what relentless drive can build. This book is really about freedom, not just financial independence but a focus on minimalism and a simpler, intentional life. Essential reading on life’s hard-won lessons.’

– Gareth Woodbridge, Managing partner (private equity)

‘I have known Rafael since he was a boy, and it has been wonderful to see all that he has achieved. Making More With Less captures the thinking, discipline and experiences that have shaped his journey, brought to life through practical insights and engaging stories.’

– Manny Stul, CEO Moose Toys, global winner Ernst & Young World Entrepreneur of the Year 2016, AFR Rich List member

‘I loved reading Making More With Less. Raf somehow makes saving, investing and building wealth feel practical and relatable. I enjoyed the personal stories from his own entrepreneurial journey, his humour throughout, and the reminder that the little financial decisions really do add up over time. Smart, entertaining and full of genuinely useful takeaways. I’d recommend to anyone wanting to be smarter and more intentional with their money.’

– Jacinda Manettas, Finance broker

‘Raf is a force of nature. From hustling cans to building multiple successful businesses to exit, Raf has shown a relentless desire to build, and has avoided many of the pitfalls that founders fall victim to as they play real-life snakes and ladders. This book will guide you through avoiding the shiny objects that bring minimal pleasure and slow you down as you build the business and the life you dream of. A must read, Making More With Less is filled with lessons, reflections and plenty of laughs from a man who started with nothing and has achieved everything he set his mind to and a blueprint for you to do the same.’

– Matt Browne, Managing partner, Black Nova Venture Capital

‘Raf has the rare and enviable talent of being able to step outside accepted truths and perceptions to analyse opportunities in both life and business, and chart his own, often contrarian path to success: the kind of success that seems all too obvious after the fact, but is otherwise missed by so many. After two decades in international finance and investing, I wish I’d have had access to this kind of book not just at the start, though, at any point along my professional journey.’

– Adam Baxter, International finance professional

‘Making More With Less is an essential read: a practical, in the trenches, honest guide for anyone who wants to build real wealth. Rafael strips it down to what actually matters. His resourceful story is threaded throughout, demonstrating that true   financial freedom starts long before the money arrives.’

– Jacqui Clarke, Expert money coach and author of Stop Worrying About Money