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468 | Why Don’t We Start with Property First and the Hidden Power of Building a Moat

 

 

In this week’s episode, we’re back with our final Throwback Thursday episode focusing on our last. three foundational pillars from our Four Pillars of Property Investing Mastery!  

Folks, these pillars are absolutely critical for anyone wanting to build a stable property portfolio which is why we’re revisiting and unpacking these concepts with today’s market conditions.  

From APRA’s 3% buffer rate to rising interest rates and its impact on Asset Selection, we’ll be tying together our cornerstone principles from 2015 with our top strategies to hold and afford new properties today. 

We’ll be covering… 

⚡ Ep 4. Borrowing Power: How to smash glass ceilings, why finance is like a game of chess and the top #3 solutions to maximise your leverage 😊   

🔬 Ep 5. Asset Selection: Why we don’t start with property first, the telescope vs microscope view and applying the Buyers Decision Quadrant today.  

🛡️ Ep 6. Defence: The most important asset, why you need to build a moat and the critical elements of defence 

A topical episode that ties into our evergreen investing strategies, tune in now!  

 

Free Stuff Mentioned

  • Get your hands on our free Binge Guide! This contains the First 20 Episodes – which are our foundational episodes – of The Property Couch. Get it here >>  
  • Read the article from Ben’s “What’s Making Property News?” here >>  

 

Timestamps

  • 0:00 – Why Don’t We Start with Property First and the Hidden Power of Building a Moat 
  • 1:30 – Some invaluable feedback (Thank you Francis!)  
  • 3:39  – Mindset Minute: “Imagine playing Monopoly and Never Buying Any Assets or Investments…” 
  • 6:08 – Ep 4: Borrowing Power 
  • 7:13 – Do THIS if you feel you’re paying too much interest 
  • 11:40 – Beware! Leverage can cause glass ceilings  
  • 12:26 – The top #2 rookie mistakes property investors make  
  • 15:16 – Why is finance like a chess game?  
  • 18:10 – The critical link with Cashflow Management  
  • 20:07 – The #3 Solution Tiers: Tailoring vs. Off the Shelf  
  • 23:10 – 200+ years of experience?!  
  • 25:20 – Ep 5: Asset Selection  
  • 26:36 – The Veblen (aka. The Envy) Effect & Human Behaviour 
  • 30:48 – Telescope vs. Microscope View 🔭 
  • 31:56 – The Buyers Decision Quadrant  
  • 41:04 – Our evergreen quotes…  
  • 41:44 – Ep 6: Defence 
  • 42:18 – THIS is the most important asset to an investor  
  • 44:58 – The #3 essential components of defence  
  • 50:08 – Folks, this is about building a stable stool!  

And… 

  • 55:13 – Lifehack: We should all live life by our Ikigai 
  • 58:11 – WMPN: A 650% increase on Brisbane Landlords?!  

 

467 | Back To The Future: Are Our 2015 Investing Strategies Still Relevant Today?

 

 

Folks, it’s time to strap your seatbelts in and tighten your property investing hats because in today’s episode, we’re doing our own Back to the Future with our first-ever Throwback Thursday!! 🔮

We’re revisiting our best property investing strategies and theories from aaallll the way back in 2015 and asking… 

Are they still relevant today?!?  

We’ll be unpacking (Yep, that’s still a favourite word of ours today 😉):  

🛠️ Ep 1. We Fix Bad Property Investment Advice: The two most common regrets we hear and our cornerstone “Barber Analogy”: Is it still applicable or has it become obsolete?!  

🚀 Ep 2. Regulation vs. Education: How has income vs. Property prices changed? And what makes inner land value 3x higher than land further out? 

🏠 Ep 3. The 4 Pillars of Mastery: Do we still use the same process to set investors up for success? And why is MoneySMARTS still extremely relevant today?!  

To hear all of this, plus some of our favourite quotes of all time from these episodes, tune into our first Throwback Thursday now!!  

 

Free Stuff Mentioned

  • We’ve got ONE last spot on our 2024 Summer Series. Share your story with us today! >>  
  • Check out Binge Guide featuring the first 20 episodes here >>  
  • See the graphs from Ben’s What’s Making Property News! Below:  

 

Timestamps

  • 0:00 – Back To The Future: Are Our 2015 Investing Strategies Still Relevant Today?    
  • 2:15 – We’ve got one spot left on our Summer Series!  
  • 3:03 – Mindset Minute: Where the pursuit of Mastery lives…  
  • 7:26 – It’s Throwback Thursday!  
  • 8:55 – Ep 1. We Fix Bad Property Investment Advice  
  • 9:26 – 💈 The Barbershop Analogy 💈 
  • 15:29 – The 2 most common regrets 
  • 16:33 – Is it still relevant today?!?  
  • 19:12 – The Enthusiastic Amateur  
  • 22:40 – “You can get everything you want in life, if you just…”  
  • 26:14 – Ep 2. Regulation vs. Education  
  • 29:09 – These fundamental rules have not changed folks… 
  • 35:58 – The top #3 evergreen quotes 
  • 36:57 – Is buying counter cyclical still a good idea?  
  • 38:21 – What makes this land value three times higher than other land?  
  • 41:36 – Income vs. Property Prices: What’s changed?  
  • 45:55 – We always start with THIS when building our investing strategies… 
  • 47:51 Ep 3.The 4 Pillars of Mastery  
  • 48:56 – How we set up investors for success  
  • 52:12 – Debt Servicing Debt: Did this theory work?  
  • 54:19 – This is what drove MoneySMARTS… 
  • 58:47 – Our favourite quotes  
  • 59:42 – A moment for Ben 🤗 
  • 1:02:32 – Check out our free Binge Guide! >>  
  • 1:03:09 – Here’s to the Stig ❤️  

And… 

  • 1:04:32  Lifehack: Table tennis on the dinner table?!  
  • 1:07:27 – WMPN: Why People Invest in Property!  

 

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   

 

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