X

006 | Four Pillars of Mastery – Defence

Folks, it’s scary to watch investors pour bucketloads of time and money into budgeting and buying a property, to then not invest in any protection!  

This is exactly why we’re homing in on the fourth and final part of our ABCD Property Investment Formula series: Defence!

Previously, we’ve spoken about Cash Flow Management, Borrowing Power and Asset Selection. If Asset Selection is the favourite of the Four Pillars, then Defence is definitely the least favourite. Most investors are always on the lookout for new investments or new ventures to go into, but the most important asset is actually the investor themselves.

That’s why we’re looking at… 

🛡 HOW to minimise risk across Asset Selection, Borrowing Power and Cash Flow Management… 

🛡 WHO you shouldn’t be taking advice from…. (Hint: Ben and Bryce are declared enemies of these types of advisors 😉)  

🛡 WHY you should be investing in certain policies and mortgage brokers… 

And why mining towns aren’t the ideal investment – especially if it’s your first property!  

So don’t end up like some of the people that Ben references in today’s podcast, or spend years investing to be blindsided by weak defence… 

Tune in and get smart with our final pillar in the Property Investment Formula!  

 

Free Stuff Mentioned:  

Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away. 


  • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
  • This field is for validation purposes and should be left unchanged.

 

Here’s some of the gold we cover…

  • 1:18 – When we say defence, we’re talking about… 
  • 1:50 – Why you need to unpack YOUR story  
  • 2:35 – Risk mitigation and Borrowing Power 
  • 3:40 – The 3 filters for determining Defence in Asset Selection  
  • 5:00 – Understanding Risk vs. Reward 
  • 5:25 – Mining Towns vs Blue Chip areas  
  • 6:10 – How you should be analysing properties (and what you shouldn’t be seduced by!)  
  • 7:50 – Who you should be taking Defence advice from!  
  • 10:14 – The BIGGEST defence you can have in Cash Flow Management  
  • 12:30 – How to install defence measures to you Borrowing Power  
  • 13:00 – Why you need an _____ _____ mortgage broker!  
  • 13:42 – What are we actually protecting? 
  • 14:08 – How to mitigate asset risk  
  • 15:45 – Defence for assets is also defence against _____!  
  • 16:08 – How to protect your income and lifestyle  
  • 17:55 – Why THIS type of insurance is important as you get older  
  • 19:42 – Help us educate others! 

 

005 | Four Pillars of Mastery – Asset Selection

 We’re going to let you in on a secret for selecting great assets… 

Look at the big picture BEFORE the property!  

That’s right folks! We’ll be discussing this (and more!) as part of the third episode which focuses on A for Asset Selection in our ABCD Property Investment Formula.  

And while most think they score an A+ in this area, we look at a couple pitfalls that can cause people to score an F!  

Bryce discusses why you should avoid being sold on “The Bling!” (Think shiny taps and sparkling stainless steel…yep, he definitely fell for that one 😉)  

…and instead, what other areas you should be focusing on when selecting an asset! Is investing in new or old properties better? And how important is location and land value?  

On top of that, we look at the big question on everyone’s mind: Who should you be taking property investing advice from anyway??  

Tune in for all this and more in today’s episode!  

 ✨ Plus don’t miss Ben’s golden return ratio which could completely change the way you select your assets! ✨ 

 

Free Stuff Mentioned:  

Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which shows you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away. 


  • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
  • This field is for validation purposes and should be left unchanged.

  

Here’s some of the gold we cover…

  • 1:40 – The Big Picture of Asset Selection 
  • 2:33 – Folks, property is an emotional asset!! 
  • 3:00 – What is the Growth story?  
  • 4:12 – A bit of gold for our listeners… 
  • 4:45 – Why medium and high-density areas are different to this golden rule? 
  • 6:00 – Why is asset location so important?  
  • 7:10 – Ben’s “ugly duckling to swan” property story! 
  • 8:15 – Using the Telescope vs. Microscope approach  
  • 9:25 – Bryce’s first property: Don’t be sold on the bling too!  
  • 10:10 – What is the buyers quadrant?  
  • 11:28 – First-time property investors – don’t be seduced by ____!  
  • 13:31 – How new properties are sold  
  • 15:15 – The generational difference: Apartment vs. house properties 
  • 16:30 – It’s NOT about land content it’s about…   
  • 18:00 – A good rule of thumb for land to asset ratio! 
  • 19:30 – WHO should you be taking your advice from when buying an investment property? 
  • 22:00 – Send us your questions!   

 

004 | Four Pillars of Mastery – Borrowing Power

This may be one of the most important factors when investing in property… 

Continuing with our “ABCD” Property Investment Formula which all property investors should master, we’re advancing to B for Borrowing Power!! 

Folks, now that you know how much surplus you have at the end of each month (thanks to the previous episode on Cash Flow Management), the next step is knowing YOUR borrowing power! 

Did you know that having higher borrowing power can greatly increase your accumulated wealth?  

But it’s not always as simple as going to your bank or mortgage broker to set up a loan…

 In fact, many unseen factors can create unwanted “glass ceilings”.  

We’ll cover how to recognise the signs of Borrowing Power and more importantly HOW to increase yours… 

PLUS, we’re unpacking INCOME: how does it affect your suburb’s desirability and value growth, and when did income and property value even become linked?! 

👉 Tune in for the gold!  

 

Free Stuff Mentioned:  

  • Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which shows you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away!

    • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
    • This field is for validation purposes and should be left unchanged.

 

Here’s some of the gold we cover…

  • 1:55 – What is Borrowing power (and why is it so important?!)  
  • 3:34 – Don’t make this couple’s mistake! 
  • 4:55 – The relationship between borrowing power and prices  
  • 7:00 – Who actually sets the market price?  
  • 7:38 – The signs of Borrowing Power!  
  • 8:00 – How do occupants affect their suburb’s value?  
  • 10:07 – The rise of The Great Australian Dream!  
  • 11:11 – The 1970s saw THIS positive change 
  • 11:53 – The 1990s, however, were… 
  • 12:40 – Why income is SO important! 
  • 14:34 – Leverage decides ____ class  
  • 15:54 – What is Cash-on-Cash returns?  
  • 16:50 – Cash Flow Management and SENSIBLE Gearing!  
  • 18:00 – How to increase YOUR borrowing power   

 

003 | Four Pillars of Mastery – Cash Flow Management

Do you know the ABCD’s of property investing??  

 Yep, we’ve spent years defining this Property Investment Formula (which we like to call the ABCDs) that every property investor should master!!  

That’s right, there’s a science behind investing; property investment is not just a transaction.  

So get excited folks because over the next four episodes we’ll be deep-diving into the four pillars which make up this Property Investment Formula:  

A – Asset Selection (what property to buy) 

B – Borrowing Power (how to set up your loan strategy and structure) 

C – Cashflow Management (how to trap more surplus) 

D – Defence (how to protect yourself and your portfolio) 

BUT REMEMBER, while this acronym makes it easy to remember each “ABCD” Pillar, this is NOT the order it should be implemented in. 

Most people tend to start with “A” – the property itself… aka Asset Selection – this is NOT where you should start!  

Instead, folks, we’ll be starting with the foundation pillar that is also the hardest to master – Cash Flow Management!  

‘And why is this the hardest?’, you ask… 

Well, unlike the other pillars, success is totally dependent on YOU! 🤯

It requires one’s own planning, observation, and discipline: all things a professional advisor can’t provide!

It’s also the cornerstone to building a successful property portfolio!  

As the famous quote goes, “change begins with you” and it’s no different for your finances.

Listen in and learn how to manage your cash flow once and for all!!! 

 

Free Stuff Mentioned:  

  • Check out the Cash Flow Management – Flow of Money chart below: 

Ep 003 - Four Pillars of Mastery - Cash Flow Management - The Property Couch chart 2

  • Just starting your property investing journey? Check out our FREE Binge Guide to the Foundations of Property, Finance and Money Management, which show you which episodes you need to understand the basics! Or fill in the form below and we’ll email it to you right away!

    • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?
    • This field is for validation purposes and should be left unchanged.
  • Keen to Get Started with Money SMARTS? Since we’ve recorded this episode, we’ve published a best-seller book on Money Management called Make Money Simple Again and launched an online platform to help everyday Australians manage their money better. We’ve sold over 10,000 copies of the book and the platform has more than 13,000 active users! If you’re interested to check it out, fill in the form below and create your account on our Money SMARTS Platform now! Already have an account? Log in here.

     

Here’s some of the gold we cover… 

  • 0:28 – We’ve been on a tour… (No, we’re not in a band 😉  
  • 1:52 – We see THIS mistake too much  
  • 3:20 – So, what are the four pillars?  
  • 4:12 – Why is Cash Flow Management so difficult?!   
  • 5:45 – What differentiates good vs great Cash Flow Management?  
  • 7:10 – “Running a household is like running a business”  
  • 8:30 – In the old days, we had… 
  • 9:38 – WHY Cash Flow Management is the cornerstone of a successful investor!  
  • 10:40 – Where MOST people get it wrong is with ____ spending 
  • 11:19 – “Our Flow of Money” chart explained!  
  • 11:58 – What you can do with your surplus!  
  • 12:40 – Why budgets are hard   
  • 14:31 – Thinking of touching your Super early? Listen to this!   
  • 15:59 – The problem with an interest capitalisation strategy  
  • 16:55 –How Ben navigated a life change with success  
  • 18:25 – Key takeaways!!  

 

Instagram

Free Resources

What to be notified when there are
new updates & free resources?

  • This field is for validation purposes and should be left unchanged.

×

MONEY SMARTS SYSTEM

Plus We Will Also Notify You When We Release New Episodes

We Only Send You Awesome Stuff

×

SUGGEST A GUEST!

We Only Send You Awesome Stuff

×