This is Chester Cutinha's Freedom Trader Journey

Chester Cutinha used to think the share market was only for insiders — people who knew people, who had access to information ordinary Australians simply didn't. "Shares for me was gambling. It was more like put your money on black and hope it all turns out."

That belief kept him away from investing for years. And every course he tried before finding Terry only reinforced his frustration — presenters who disappeared after the sale, generic support lines, and inevitable upsells to the "next level" course. No community. No real help. Just more money out the door.

What changed everything for Chester — a Perth-based administrator in the construction industry — was peeling back the layers of Terry's program and discovering that every single one of them was built around protecting capital. Risk management wasn't an afterthought. It was the foundation.

"Each layer I peeled back, I realised it just had more and more risk management built into it. Everything was about not losing your money." For someone who had spent 20 years making costly mistakes, that was exactly what he needed to hear.

Chester has been with Freedom Trader since 2016. And he carries with him a thought that motivates him every day: "If I'd done all of this since I was 25 — how different my life would look today." He didn't want to wake up another 25 years from now saying the same thing. So he stopped waiting. And when you look at what compounding does over time — that decision changes everything.