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Episode 371 | Three Property Lessons from the Same $25k Deposit?! – Chat with Brad

Winners never quit, and quitters never win. – Vince Lombardi

Today’s special guest, Brad is definitely not a quitter.

Born & raised in Zimbabwe, Africa while experiencing a hyperinflation, it wasn’t a flowery path but Brad learned resilience and tenacity from a young age…

He immigrated to Perth with the family when he was 19 and unfortunately, did not have an excellent start…

 

An unfortunate event let him to a lump sum of $25,000 which thankfully, he invested in property!

But… That property didn’t quite work out.

He managed to recover the $25k and got another property. (Yay!)

But… That property didn’t quite work out either.

Most people would have given up by now but no… Brad did not. He recovered the $25k and yes, he got another property.

But… (it breaks our heart to say this) The third property STILL didn’t quite work out.

So… WHAT EXACTLY HAPPENED?! 😱

 

Obviously, that’s quite a full-on story, right!?! And definitely not something you hear every day.

But trust us, it gets even more “Wow.”

Tune in today for all the gold 😉

 

Free Stuff Mentioned

 

Here’s what we cover…

  • 2:15 –  Meet Brad.
  • 3:05 – The “old school” money view growing up…
  • 4:25 – What was life like during a hyperinflation?
  • 7:34 – From a $5 train ticket to landing his first job! (how?!)
  • 9:05 – Introduction to Consumerism
  • 10:05 – The One Money Advice from his cousin that he still holds strongly today!
  • 13:24 – What kind of shackles is Brad referring to?
  • 15:08 – The mental shift that he had to overcome…
  • 16:38 – The “Aha!” moment!!
  • 21:30 – Why your circle of influence matters and what triggered Brad’s epiphany?
  • 22:35 – The first mortgage and Property (and even LIFE) Lesson #1
  • 26:10 – Property Lesson #2!
  • 28:50 – Having the same mindset – What a difference it makes!
  • 30:13 – Why it’s worth getting a 50% paycut and how they still manage to make things work
  • 30:44 – Same deposit and this time… Property Lesson #3!
  • 32:26 – Winning The 6 years Rule!
  • 35:00 – Is it worth investing in this Hot Market?
  • 36:38 – Bryce & Ben’s LIVE Advice on Brad’s next step
  • 45:42 – What is he using the Money SMARTS Platform for?

 

 

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

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Episode 370 | Financial Harmony – THIS is what it looks like – Chat with Amber and Dan

Folks, if you’re looking for a textbook couple as an inspiration on what Financial Harmony looks like…

Amber & Dan is your go-to couple!

Although they grew up with slightly different money management styles at home, Amber & Dan worked together and made sure that they’re on the same page when it comes to finance.

That mindset sets them up way into the future.

And, get this….

They’ve got a fool-proofed saving hack that built up money for a deposit AND a renovation!!

 

Of course, being on the same page is only part of the equation… there are heaps more when it comes to setting yourself up for retirement.

For example….

Finding out the exact thing to do with your surplus and consolidating those TEN bank accounts. (Yup, you read that right. T.E.N 😮)

 

So sit back and relax while you tune in to this feel-good story of how this couple is well on their way to building a passive income for life.

 

 

Free Stuff Mentioned

 

Here’s what we cover…

  • 2:08 – Meet Amber & Dan
  • 2:05 – What was money like in Amber’s childhood?
  • 4:15 – Why couples have separate bank accounts…
  • 5:14 – Money discussions around the dinner table for Dan
  • 6:50 – The logic of a child when it comes to money management
  • 11:50 – The saving hack that helped them save for a deposit AND a renovation!!
  • 14:30 – What was lacking with their previous money system?
  • 16:57 – Introduction to The Property Couch and their books!
  • 17:50 – An unsustainable way to file money with _ _ bank accounts!
  • 19:40 – “I read it… But it sounded too hard.” So what changed?
  • 24:22 – At what point did they start to think about retirement planning?
  • 27:55 – How perspective changes!!
  • 28:00 – The messaging from an early age that made the transition to property investing easy…
  • 32:11 – The big rocks in the jar!
  • 34:00 – How many properties do they actually need?
  • 38:20 – The temptation that might derail their plan…
  • 39:00 – How to overcome the bias of investing in your own backyard?
  • 44:51 – Getting your “D” sorted!
  • 45:00 – How it feels now that they’ve got their roadmap planned out
  • 49:15 – Their tips to the community!

 

 

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

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Episode 369 | “I Spent It All and Dad Picked Up The Tab” – How this investor changed her bad money habits? – Chat with Amy

Born in England to accountant parents, Amy was given great money advice growing up. And obviously, so did her brother.

Only one of them took the advice to heart though… and it’s not our special guest. ☹

From credit card spend sprees to climbing Mt Kilimanjaro, Amy lived life to the fullest!

So… what changed?

Why did she go from having no budget whatsoever to being a Money SMARTS advocate? Yes, you’ve read that right… she got her circle of friends on board with Money SMARTS too!

What would she get from doing that??

And… what are the lessons learned along the way?

Tune in to find out more!

p.s. Make sure to tune in to 18:04 minute where she shared an interesting story that happened in the middle of a surgery! #EpicStory

 

Free Stuff Mentioned

  • FREE eBookMake Money Simple Again
  • FREE MyWealth Portal & Start Your Financial Transformation Today! (includes Money SMARTS, Money FIT + Money STRETCH) – Fill in the form at the bottom of this page or Free Sign Up Here
  • BingeGuide to Property, Finance & Money Management Download here

 

Here’s what we cover…

  • 02:17 – Meet Amy.
  • 3:32 – The holiday planning wisdom from her dad!
  • 5:13 – What were the Money habits like back home (remember, her parents are accountants 😉)
  • 5:57 –  Invaluable advice on student loans and credit cards
  • 8:23 – The completely different deals her brother and her had with their dad…
  • 11:02 – What triggered the epiphany?
  • 13:12 – “I’m never going back”
  • 14:39 – What’s Amy’s definition of “Life Admin” that she was doing every week?
  • 17:08 – Her 1st Investment Property that started a behavioural change..
  • 18:32 – What’s the difference in repayment of student debt between UK & AUS?
  • 21:12 – The one that got away… In the middle of a surgery!!
  • 21:50 – How did The Property Couch got into her radar?
  • 24:16 – The best things she’s learned from the podcast…
  • 27:37 – ONE Money Trick that Amy recommends you do!
  • 29:46 – The Power of Staying Between the Line
  • 32:12 – Why Money SMARTS?!
  • 34:17 – The END Game!!
  • 36:27 – Money Discussion: THIS is how it should be
  • 42:37 – What’s her unique hack with Money SMARTS?
  • 45:13 – …. Cutting her 7-day Float by 70%? 😨
  • 47:33 – “Supporting the local economy”… The worst (or best?) derailer
  • 52:36 – GREAT take home messages!

 

 

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

Keen to Get Started with Money SMARTS?

Fill in the form below and create your account on our Money SMARTS Platform now!

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Episode 368 | Got Stung By A Spruiker: Restarting After Ten Years of Property Mistakes – Chat with Michael

“I read enough book to make me dangerous”

That’s the quote from our special guest today.

 

A thirst for knowledge is an excellent virtue to have but in some cases, you might encounter information overload… Or in other rare cases, you might be reading the wrong books or getting advice from mentors with hidden agendas.

Unfortunately today’s Summer Series guest, Michael, is in the latter category.

Folks, if you had been stung by a spruiker before, you’d know that it’s not easy getting back on the property ladder and, even more so trusting another so called property professionals.

But Michael did.

Despite being a victim of opportunity cost, he did not let that deter him at all. In fact, he learned from each experience, good and bad, and stood up to the challenge, stronger and more motivated than ever.

But…

How did he recover from all the bad purchases? (Yes, there were a few!)

Tune in for all those and more folks because his true story starts waaaaay before he bought the first investment stock property 😉

 

Free Stuff Mentioned

 

Here’s what we cover…

  • 1:17 – Meet Michael.
  • 1:58 – What is it like growing up in a caravan park…?
  • 4:41 – “I knew (money) was tight I suppose but…”
  • 6:47 – Why was building his own first house at 20 his first mistake?
  • 9:55 – Setting up his finances on his own!
  • 11:35 – When did the drive to own his own home begin?
  • 12:33 – What happened when he was 21 that taught him the biggest money lesson ever?
  • 13:43 – His fortnight spreadsheet updates!
  • 16:05 – The discovery of Money SMARTS
  • 17:02 – How having a goal changed his habits and mindset?
  • 18:57 – “That’s the other thing, I’ve done everything wrong” – The mistakes that made him realised that he couldn’t do it alone
  • 19:20 – Here’s when the spruiker story begins!
  • 21:26 – What are the signs to look out for to spot a spruiker?
  • 22:50 – The 10 Year Property Journey that changed his life
  • 27:05 – Why did he decide to pay for professional advice?
  • 29:50 – When reading too much is dangerous…
  • 33:37 – What should you expect from a great property advisor?
  • 36:35 – Get your partner on board!
  • 37:50 – What does planning for the future looks like?
  • 39:22 – What convinced him to let go of his spreadsheets?
  • 41:00 – His end game and the #1 advice for others

 

 

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

Keen to Get Started with Money SMARTS?

Fill in the form below and create your account on our Money SMARTS Platform now!

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RBA December 2021: Has the Property Market Lost its Bullish Mojo?

It’s the final RBA Announcement for the year folks so there are lots to catch up on!

The most important question in today’s episode is…

Are we finally seeing an end to the property market’s bullish mojo? 🐂

Tune in to this episode where Ben unpacks that and three other key themes for this month’s economic update:

  • Should we be preparing ourselves for the economic impact of Omicron?!
  • RBA’s unexpected view on cryptocurrencies
  • And… a brief look into 2022!

 

Plus, Ben also includes his latest news and commentary on…

  • The Global Vaccination Rate and what’s been happening over in Germany
  • OECD’s Recent Economic Outlook Report Release
  • The Crude Oil Market and pressure on inflation
  • Economic updates for other world economies
  • RBA’s standpoint on their next rate change
  • What is the September GDP numbers telling us?
  • Property Prices update!
  • And heaps more!

 

And One Final Word…

If you’re worried about your finances or if you have no clarity on your cash flow position, we strongly recommend you to organise your finances now. It’s more important than ever to have a clear view, down to the exact cent, on how much you’re spending each month and how much surplus you’ve got. If you don’t know it, then log in to your Money SMARTS Platform here and update the numbers.

Don’t have an account yet? Create your free access below and we’ll also send you an e-copy of the instruction manual which is also our best-seller book, Make Money Simple Again. Just fill in the form below and we’ll email it to you right away.

 

 

 

DISCLAIMER: This podcast is general information only and is an opinion comment by Ben Kingsley. The information contained in this video is for Australian residents only. The information does not take into account the particular investment objectives or financial situation of any potential viewer. It does not constitute, and should not be relied on as, financial or investment advice or recommendations (expressed or implied) and it should not be used as an invitation to take up any investments or investment services. No investment decision or activity should be undertaken on the basis of this information without first seeking qualified and professional advice.

The Property Couch, its employees or contractors do not represent or guarantee that the information is accurate or free from errors or omissions and therefore provide no warranties or guarantees. The Property Couch disclaims any and all duty of care in relation to the information and liability for any reliance on investment decisions, claiming the use or guidance of this publication or information contained within it.

For more information, please visit: http://thepropertycouch.com.au

 

 

 

 

 

 

TPC Summer Series 2021/22 has landed!!

Do you know what it’s like growing up where money is scarce?
Do you know what it’s like to be stung by a spruiker?
Do you know what it’s like to recover from PTSD?
Do you know what it’s like to be a single parent?
Do you know what it’s like to own up to your mistakes and change? 

 

Maybe you do or you don’t but why does it even matter?  

That’s because…. 

The first episode of our Summer Series is OUT today folks!! 

And that means… we’re showcasing REAL LIFE MONEY TRANFSORMATIONS all throughout this summer season! 

This is our 4th year of Summer Series and we get very very excited each time because not only do we get to chat directly with our listeners, we get to learn so much from their life transformation. From the adversity that life threw at them, the mistakes that they’ve made, the perseverance that they’ve shown, the tenacity to be better and just so much more.  

Their story is so insightful and motivating that we’re certain that you would definitely learn at least one gold from each of them. 

And this year is no different. 

Here are all the episode folks!
(Note: if you click on it and the link is not available, that’s because the episode is not out yet 😉)

 

P.S. And of course, don’t forget to download our free e-book at https://makemoneysimpleagain.com.au/

p.p.s. And if you’re a visual person and like to see a snapshot of your financial position, then make sure to create your free account in our Money SMARTS Platform or fill in the form below and get started now!

Already have an account? Log in here.

 

 

 

 

 

Episode 367 | The Chain of Unfortunate Events: What Made This Single Mum a Superhero? – Chat with Dee

“A wound is where the light gets in” – Rumi

It’s our 2021/22 Summer Series folks!!

This is our 4th year of Summer Series and we get very very excited each time because not only do we get to chat directly with our listeners, we get to learn so much from their life transformation. From the adversity that life threw at them, the mistakes that they’ve made, the perseverance that they’ve shown, the tenacity to be better and so much more.

Their story is so insightful and motivating that we’re certain that you would definitely learn at least one gold from each of them.

And this year is no different.

 

Kicking off our Summer Series this year is a superhero single mum of two, Dee!

Immigrating from South India and growing up in North England during the Thatcher era in the 80s is obviously no easy feat.

On top of that, Dee was the oldest of four siblings where money was so tight that a treat must be split four ways to be shared among the kids.

All the adversity in her early life clearly built up her foundation for money and generate an invincible determination and drive for success.

But that’s not the end of today’s story…

In fact, it’s just the beginning.

Without giving too much away, let’s just say that there was a chain of events that completely shocked us and brought a tear to our eyes.

Please just listen to this episode folks – we’ve started the Summer Series with her story ‘cos if it ain’t a bang, we don’t know what is!

Huge shout out to Dee for sharing her incredible story with us – powerful stuff, folks!

 

Free Stuff Mentioned

 

Additional notes:

A separation is never easy… Especially when you got pull the rug from under.
So if you’re finding yourself in that spot then please do not hesitate to reach out for help. That’s the first step to recovery. Here are some useful links that might help you take that step:

 

Here’s what we cover…

  • 1:37 – Meet Dee.
  • 2:13 – What was her early life like when money was very scarce…
  • 7:39 – When did she start to have a consciousness with money?
  • 8:50 – Sticking to old money habits (even when she didn’t need to!)
  • 10:45 – The sacrifices made to live in a rich neighbourhood
  • 12:55 – How did she spent her first pay-packet? (What an indulgence!)
  • 13:57 – The significant change that happened in uni…
  • 14:28 – When was her 1st holiday…?
  • 15:48 – What she didn’t see coming…
  • 16:30 – THIS is what a single parent’s life is like
  • 17:50 – The Event Timeline
  • 18:40 – What was the turning point in her life?
  • 20:05 – What did money management look like in the past?
  • 23:05 – How the same advice from the same person can still be perceived differently?
  • 24:25 – The journey to recovery…
  • 27:15 – Overcoming the “perfect family” stigma…
  • 28:15 – How do you separate everything when they are joined for so long?
  • 32:05 – Why was Mortgage Free so crucial for her?
  • 34:51 – What’s Dee’s definition of wealth?
  • 36:46 – What are the next steps after a separation?
  • 40:44 – Discovering Make Money Simple Again and The Armchair Guide to Property
  • 43:33 – The gift to herself!!
  • 44:51 – Favourite Quotes
  • 47:30 – How does it feel to model her transformation to her kids?
  • 51:34 – Her message to others

 

 

Note: There are more real-life investor stories like this in our Previous Summer Series! Make sure you check them all out here.

Keen to Get Started with Money SMARTS?

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Already have an account? Log in here.

 

 

CASE STUDY: How to Break into the Property Market?

Folks, the last time we unpacked a case study on the podcast was back in Episode 64 on 19th of May 2016. (WHAT?!!!)

So… you can imagine how excited we were with this case study, can’t you?

The answer is…  VERY!!!

 

We’ve been planning for this case study for weeks (whilst recording for the Summer Series too in fact) and there’s just so many moving parts when it comes to the variables and cashflow modelling. It’s simply not possible to explain it in an audio environment.

So we thought…

Let’s make sure we prepare this as a free downloadable for our community! 😊


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p.s. To help you understand it a little bit more, make sure to tune in to Episode 366 | How to Break into the Property Market?. Fast forward to the 46:39 minute mark and you’ll get to play along at home. And of course, if you prefer a written copy instead, we’ve also added a rough transcript in the report. (Stiggy got you covered!)

 

 

 

 

 

 

 

 

 

 

 

 

Episode 366 | How to Break into the Property Market?

Folks, the last time we unpacked a case study on the podcast was back in Episode 64 on 19th of May 2016. (WHAT?!!!)

So… you can imagine how excited we were with this episode, can’t you? 😉

In fact, Ben said this at the very start…

“MAAAAATE…. This is a MEGA episode!”

And no, he’s not exaggerating!

What we are doing today is a bit of Myth Busting coupled with some data, graph and cashflow modelling. And here’s a spoiler… You’ll be very surprised at our proposed strategy for this case study cause it’s not exactly what we’ve been banging on about for the last 300+ episodes.

Why are we proposing this then?

Well….

Cause we are going through a rapid price growth cycle and our strategy needs to be flexible and agile!

But before you start tearing off those pages in your custom-made The Property Couch Textbook (just joking but if you have one, please let us know!) remember this…

…. The fundamentals are still very much the same 😉

 

Free Stuff Mentioned

  • 334 | Bernard Salt: The BIG Shift In Australian Property! – Listen here
  • 308 | Pain & Gain: The Wealth Effect & The Housing Affordability Debate – Chat with Eliza Owen from CoreLogic – Listen here
  • PICA’S WEBINAR on Estate Planning – Watch Replay here.
  • ABC News Most Popular Australian Story on Gayle and Mac Shann – Read more here
  • John Kehoe’s Article on Financial Review – Read here
  • FREE Downloadable! Download here or fill in the form below…
  • Free Book: The Armchair Guide to Property Investing! – Get Your Copy Here
  • (85% OFF) Here’s the link to our Black Friday Sale!! >> https://thepropertycouch.com.au/blackfriday
  • (25% OFF) Get Access to Select Residential Reports here! – Don’t forget to key in this discount code: SRPRPT25

  

We recommend you to…

Download this free report before you proceed folks! We’re going through some charts and graphs today so if you’d like to play along at home, fill in your details below and let us know where to send them to! 😉


  • 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 – Thinking about your Estate Planning? Check out PICA’s webinar here!
  • 3:03 – THIS Quote from James Clear is epic folks!
  • 4:51 – What is the Real Myth that we Busting today?
  • 6:44 – If you feel like it’s all impossible…. Check this part out.
  • 8:27 – The start of the STRATEGY segment
  • 9:02 – What are the 5 Types of Investors?
  • 11:31 – The TWO Pathway to Equity that we are focusing on today…
  • 14:03 – Moving on to TACTICS!
  • 14:35 – How much deposit is needed for this strategy??!!
  • 16:06 – Practical tips to boost your borrowing power
  • 17:29 – Let’s be honest… here’s what you need to sacrifice.
  • 21:28 – Asset Selection 101
  • 23:11 – What are the TWO Asset Aspects a millennial should focus on?
  • 25:11 – How do you fast track your research for this strategy?
  • 26:59 – THIS is the price range we’re looking at today…
  • 28:37 – What are the areas that you want to stay away from?
  • 32:03 – What’s our definition of “Buying Below Market Value”?
  • 34:11 – Over _ _ _ _ _ _ _ _ _ _ _ _ : One of the Core Risk for this strategy
  • 36:00 – The biggest bang for buck you get in terms of dollar down versus dollar return is…
  • 39:11 – Here’s when you should consider sub-division
  • 41:21 – Serious about research? Which data you should focus on?
  • 43:30 – Everything that you need to AVOID!
  • 47:07 – Download this Free One Pager here before you proceed!
  • 47:45 – The hero of today’s episode… our CASE STUDY!!

And…

  • 1:05:28 – Our BLACK FRIDAY Sales!!
  • 1:11:11 – What’s making property news – Soaring stamp duty ‘bracket creep on steroids’

 

 

 

 

 

 

Episode 365 | Why Is investing So Confusing?

We don’t blame you if you find investing confusing… even Ben found it confusing when he started 30 years ago.

There are so many different asset classes to pick from, different procedures to follow, various biases to learn from and the worst of them all…

THE JARGON!

Short, Long, Dollar Cost Averaging, Coupon Rates, Day Trader and the list goes on.

 

So where would one even start?

 

Our answer is… This episode.

It’s back to the basics today folks and we’re not even focusing just on property! We’re covering most of the popular investments classes and procedures so think of this episode as… Investment 101.

Enjoy!

 

p.s. Does this episode sound familiar? Well, that’s because it’s a follow-up from Bryce’s Life Hack last week! 😉
(and if you didn’t know that make sure to tune in to Ep 364 – Will Property Price Keep Going Up! here. It’s a ripper!)

 

 

Free Stuff Mentioned

  • PICA’S WEBINAR on Estate Planning – To watch, you need to be a PICA Member (or become a member for $5)
  • 219 | How going from 30 properties to Bankruptcy shaped this riches to rags… and back again story! Chat with Julie Ann Cairns – Tune in Here
  • The Personal MBA by Josh Kaufman – Learn more here
  • The Cashflow Quadrant – Learn more here
  • RBA’s Address: Recent Trends in Inflation – Tune in to the speech here

  

Here’s some of the gold we cover…

  • 2:02 – PICA’s Upcoming Webinar on Estate Planning! Become a PICA Member here to join the webinar.
  • 2:54 – Psstt… Black Friday coming soon folks. Make sure you have your $5 ready! 😉
  • 3:51 – Mindset minute… What’s your status symbol?
  • 4:58 – WHY is investing so difficult?!
  • 7:38 – Ben’s early years as a clueless investor…
  • 9:08 – What are the underlying beliefs that you need to tackle head on first?
  • 10:30 – What is Bryce’s early mindset on the stock markets?
  • 12:24 – Risk is a M _ _ _ _ _ _ _ of K _ _ _ _ _ _ _ _
  • 13:14 – What’s the ONE absolute when it comes to wealth creation?
  • 15:11 – Understanding The Cash Flow Quadrant
  • 16:17 – Non-financial assets that you can (and should) invest on!!
  • 18:45 – How to Implement an MBA on Yourself?
  • 22:40 – What’s the real challenge for millennials when it comes to investment research?
  • 25:40 – Shares 101!!
  • 27:17 – Property will NEVER EVER deliver you THIS… but shares can.
  • 30:21 – What’s our overarching thesis and do you have one?
  • 38:04 – Other types of investment products that you should know about…
  • 39:26 – What are the Different Types of Investment Procedures? (Unpacking Jargon Alert here folks!)
  • 40:54 – When to go long and short in investments?
  • 48:37 – The 6 categories of Investors… Which one are you?
  • 51:47 – Do you recognise these biases?
  • 1:00:25 – Confused? That’s ok, it all comes down to this…

And…

  • 1:03:37 – Life Hack: See your brain through the eyes of a Super Computer!
  • 1:04:41 – Dr Philip Lowe’s Speech on Recent Inflation Trend
  • 1:06:27 – Property Market’s Supply Movement!!
  • 1:08:10 – This couple paid $75k deposit but didn’t end up with the property?! #UnAustralian

 

 

 

 

 

 

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