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532 | Hold or Sell? How to Decide if Your Property Is Worth Keeping

How can you create a financial buffer WITHOUT impacting your family budget?

Are you wondering if your underperforming property is worth keeping? (Here’s the key reason why you should be asking, “Will the banks like it?”) 

And are property finfluencers manipulating the market?  

Folks, after a ripper Summer Series we’re BACK for 2025 and kicking off the year with a Q&A session answering your most pressing questions and giving you golden strategies that’ll allow you to act now.  

PLUS… we’re revealing major upcoming projects!
🔥 Our THIRD book, How to Retire on $3K a Week (and how to get first exclusive access!)
🔥 Huge Moorr upgrades to supercharge your money management
🔥 And plenty more insider insights…  

Listen now folks!  


Free Stuff  

  • FREE MASTERCLASS: How To Buy an Investment Property Without Impacting the Family Budget
    As mentioned in Q2, Secret #1 in our free Masterclass teaches you how it’s possible to invest in property without sacrificing important moments today.
    Register for your masterclass now >>
     
  • WAITLIST: Bryce’s 50th Charity Event!
    We’re thrilled to share that all spots for Bryce’s Charity Event have been filled! (by an amazing group of folks) In partnership with the John Fawcett Foundation, this special trip is designed to give those in need their eyesight back – and we couldn’t be more grateful for all the support and interest we received.
    If you missed out but would love to join, simply sign up for the waitlist now! >>
     
  • COMING SOON: “How to Retire on $3K a Week”! 🚀
    After months of hard work, we’re SO excited to unveil our third book – “How to Retire on $3,000 a Week”! Packed with thousands of updated calculations, proven strategies, and expanded case studies, this is your ultimate guide to fast-tracking your passive income through property. Be the first to get your hands on it. Register now for exclusive release notifications and get ahead of the crowd! Join the waitlist today >>
     

 

Questions We Answer

Q1) To sell a negatively geared apartment or to ride out the wave? From Hanh 

“Hi guys.  

My name is Hanh. I’ve been binging on all your podcast episodes since I started researching on the topic of property investment over the last couple of months.   

The reason why I’m leaving you a voicemail is because I can’t seem to find an episode that covers my question, although I do love the learnings that I’ve had along the way so far. A bit of background about me. I’m 46 years old, and I currently live in suburbia Melbourne. I have two daughters, a 5 year old and a 6 year old. I own a studio apartment in Melbourne CBD for the last 20 years.  

It’s negatively geared and it has barely increased in value. I bought it for $315k and the agent currently values it at $380k. I seek financial advice they’re telling me to sell it to avoid further potential capital losses. My financial planner has also told me to cut my losses and to sell it and invest in something else that is more likely to go up in value. Not really sure what to do. My thoughts for this property were to initially live off in retirement, I would give it to my daughters as they get older or sell it if I ever to get sick again.  

In 2020 I was diagnosed with breast cancer so I don’t really have any income protection so in the event if it reoccurs, I would like to keep that as a bit of a buffer or a Plan B should I need it. Now with the government in Victoria capping international students, I feel that it might limit my rental yield and also property market, especially apartments in Melbourne is a bit saturated at the moment.  

I’m not sure if that will change in time, so I’m really undecided as what to do with this property, whether to sell it or to ride out the wave for the next 15 years or so. I’m a bit torn because I wanna like I have high hopes for this property, I’ll be very willing to give it up if there is a better alternative elsewhere.  

If you can help, that would be great. Thanks.”  

 

Q2) Time for taking action from Brad  

Hey Team TPC! 

Having only been referred to your podcast by my colleague (and one of your clients) in March this year, I’m currently working my way past Episode 500 of your podcast. I’ve contacted your team and I am hoping 2025 is the year to ‘act on it!’ (especially since I’m 45 next October)!

My PPOR purchased in 2011 for $315k is currently valued at around $800-850k, with a loan balance of around $345k, with payments of ~$2500/month (after previously refinancing and fully renovating the house internally – added a 4th bedroom, Kitchen, Bathrooms, Tiles, Carpets, Paint etc.)  

After listening to your podcast,  I understand that it’s wise to start on the investment journey with a buffer of at least 6 months worth of savings.

I am currently paying off a car loan ($15k at around $150 a week) and thanks to YOUR MoneySMARTS system, I have been saving (a minimum of) $300 a week since the start of FY25.

With respect to the savings buffer and borrowing capacity, I know that is it wise to pay down consumer debt (i.e. my car loan) first, because the loan period (and therefore the interest paid) will reduce significantly.

My question for the community is:

If I wanted to buy an IP and I was in a position to release ~$280k equity from my PPOR, do I still need to have (recommended) 6 months of savings as a buffer, or can I act SOONER?

I understand that there is a huge opportunity cost of not ‘taking action’ now… and building that savings buffer could take me (and others out there) potentially up to another 2 years before I can act! Apart from taking on another job, (which is definitely not off the cards) I’d be keen for your feedback!

I hope that this question helps others who might be finding themselves in a similar situation.

You are directly impacting the lives of the community AND their loved ones, as a result… Thanks for all of your incredible work!

PS: With a few exceptions to the rule (like Victoria and Canberra) your borderless and well-informed approach to investing really makes some of the “spruikers” out there look like they are generalising on markets, influencing people with intent to benefit themselves!

(As entertaining as finfluencers like GH and JH are, you need not be concerned – they don’t hold a candle to the TPC Team… They are no competition!)”  

 

Q3) Are Property Finfluencers Fuelling FOMO and Market Manipulation? From Jen  

Hi Bryce.  

 Finfluencer follow up….And maybe another question/request for the podcast? 

Here is my question… 

In the battle of the property finfluencers, I can see it comes down to a few investing strategy frameworks – with the top two being; 

  1. The conservative, tried and tested – buy location, then the land and dwelling type, and go long.
  2. The new age “we have found something that the conservatives haven’t” – buy hot spots, ride the short term wave, then rinse and repeat your way to financial freedom.

I can appreciate the compelling story with #2 as it feeds into the notion of get rich quick and feeds the ego with bias around investing in a way that others can’t see.  

For the 2nd model to work, here are two possible constants or constraints (depending on the way you look at it):

  1. Reliance on a buyers agent model that hasn’t been around for ‘long’ which requires said buyers agent to tap you on the shoulder when it’s time to buy and sell in a particular area.
  2. Manipulation of property prices from such buyers agents who have their clients flood into a particular hotspot area within a certain time frame, driving a certain degree of artificial demand and price uplift.

Number 2 is a concern, from the perspective that all the new buyers agents are interpreting the same info from the same data sources yet they think they are the only ones to see it. And then sell these so called ‘insights’ to their followers based off this premise… ‘we are doing something and seeing something that others aren’t’. 

But in true terms, it’s a younger, wider movement based on all the same data sets, which leads to FOMO and possible sub market price manipulation.”

 

Timestamps  

  • 0:00 – Hold or Sell? How to Decide if Your Property Is Worth Keeping  
  • 1:18 – Thank you to our inspiring Summer Series guests! 
  • 4:03 – Mindset Minute: Approaching 50 does something to you… 
  • 8:38 – Incoming Projects: Our third book, huge upgrades to Moorr & more… 
  • 15:57 – Q1) To sell a negatively geared apartment or to ride out the wave?  
  • 19:27 – Why not invest in Studio Apartments?  
  • 24:00 – Owner-Occupier appeal is EVERYTHING.” 
  • 25:05 – You need to ask, “Will the banks like it?”  
  • 28:14 – How to escape the loss aversion trap  
  • 30:55 – Q2) Time for taking action 
  • 33:53 – How professionals would unpack this problem 
  • 35:30 – Using equity to act sooner: Is it a good idea? 
  • 36:20 – Do you need a buffer?  
  • 38:42 – Don’t look down: How to redefine how you see debt! 
  • 41:21  Masterclass Secret #1: How to adjust your family budget to release surplus 
  • 41:37 – Q3) Are Property Finfluencers Fuelling FOMO and Market Manipulation? 
  • 43:47 – How GameStop’s short squeeze is the same as property spruikers 
  • 48:16 – The 10,000 hours matter…  
  • 52:54 – Are you buying into a cyclical or fundamental movement?  
  • 57:48 – Thank you to this week’s question-askers & 2025 Property Market Outlook at the end of the month!   

And… 

  • 58:36 – Lifehack: How to use AI to get your kids to do homework!  
  • 1:01:37 – WMPN: Climate risk is growing; what does it mean for insurance? 

 

WAITLIST: How to Retire on $3k Per Week

The Property Couch’s Playbook for Passive Property Investing

🚀 Want to Build a Property Portfolio That Pays You While You Sleep?

Bryce & Ben are back with their latest game-changing book, breaking down the exact strategies to build a property portfolio that delivers a passive income of $3,000 per week.

This isn’t just another investing book—it’s a step-by-step playbook filled with real-world strategies, frameworks, and expert insights from two of Australia’s most trusted property and finance experts.

💡 Inside, You’ll Learn How To:
✅ Implement proven property investment frameworks
✅ Build a scalable, passive income stream
✅ Avoid common investor mistakes
✅ Make data-driven decisions for long-term success
✅ Maximise your financial position for retirement

🔔 Join the Waitlist & Be the First to Know When It Drops!

By signing up, you’ll get:
Exclusive first access to the book launch
Special bonuses available only to early supporters
✅ Insider updates and behind-the-scenes content

📩 Register now and secure your spot on the waitlist!







TPC Gold | Living Off Equity: Smart Strategy or Risky Move?

Welcome to the first bonus episode of 2025!

In today’s snippet, we’re answering a question from listener Lou, who’s wondering: Is living off equity a smart strategy for early retirement—or a risky move? 

Bryce & Ben break down the pros and cons of borrowing against equity, why passive income is key, and how having the right exit strategy can make all the difference. 

Plus, they unpack the common mistakes investors make when relying too heavily on equity and share insights on how to structure your portfolio for long-term success. 

For the full Q&A episode, tune in here: Episode 147 | Q&A – What’s Your Exit Strategy? Are You Retiring or Have You Bought a “Dud”? 

__________________

Now That You Know More About Living Off Equity… What’s Next?

We hope these insights help you on your journey to building a successful investment property portfolio and securing your financial future! 

But if you’re serious about retiring on $2,000 a week through property investing, don’t leave it to chance. Join our FREE Masterclass and learn how to build a rock-solid property portfolio—without risking your lifestyle or making costly mistakes.  

What You’ll Learn in This Exclusive Masterclass: 

How to Buy an Investment Property Without Impacting the Family Budget
Think property investing is only for the wealthy? Discover proven strategies that allow investors of any income level to start building wealth through real estate. 

How to Retire on a Passive Income of $2,000 Per Week with Just 5 Properties or Less
Master our 5-step framework for correctly financing, buying, and holding properties for long-term success—no matter where you are in life. 

Your Most Burning Property Investment Questions—Answered!
We’ve compiled the most frequently asked questions from our 40+ years as property investment advisors, so you can skip the guesswork and fast-track your success. 

👉 Register Now

Want to Dive Deeper? Check Out These Episodes:


Transcript

Bryce Holdaway
Alright here’s the first one from Lou (via) Facebook message: Hi guys, long time listener. You take the edge off Sydney commuting, thank you. My husband and I currently have six properties in New South Wales, nothing in Sydney Metro yet, valued at $2.3 million.  

Ben Kingsley
Very good. Well done. Congratulations.  

Bryce Holdaway
And an LVR at 64% with a dollar sign at the front. 

Ben Kingsley
Almost neutrally geared right there. 

Bryce Holdaway
And listen to this…a gross yield of 8.2%.  

Ben Kingsley
Oh goodness me. Sorry, apologies. Cash flow positive. 

Bryce Holdaway
You went early. 

Ben Kingsley
Cash flow positive!  

Bryce Holdaway
That’s cash flow positive. We’re both 40ish with two kids under five. Wow, they’re busy. Our aim is to retire early with $100,000 income. Reading your book, watching the videos and listening to the podcast, I am wondering if retirement income is always based on rental income alone. Or do you ever recommend borrowing off the equity as part of an early retirement strategy? With major buffers, of course. We’ve been very wrapped up in the acquisition phase that it’s hard to see where the end is, especially when rents seem to creep up so slowly. I would love your thoughts on living off equity as part of the strategy. Thanks, Lou.  

Ben Kingsley
Thanks Lou. So there’s a bit going on there. The one thing I don’t have is the income story and I don’t have the super story. So one of the big things that we always talk about when it is your overall passive income, we don’t disseminate or dissect into what is coming off the property versus what’s the overall wealth story. So you might have some shares mixed in with that…definitely some super, unless you’re maybe self-employed and you haven’t been paying yourself super, which you should because it’s a very, very effective way to invest.  

The reality is this…we always talk about getting the money in your offsets to continually keep filling the buckets. So technically your interest is lower and at some point in time you could either retire the debt or you could have all this equity built up, all this liquidity. So it’s not that traditional borrowing and living off the equity because obviously when you do that there’s interest on interest and that’s not necessarily what I would consider a successful way of doing that because the other thing that we don’t know from Lou is: how much money do they want early versus how much money do they want late?  

So as an example, if you’re 95: How much are you going to spend of that money? Are you going to still be travelling the world? Are you still going to be jumping out of perfectly good aircraft? So you’re going to be doing all this adventure stuff or no, you sort of you know are going to be teetotaling and just sitting back and relaxing and watching the world go by and spending less? So a lot of people might want a little bit more earlier on and that’s where the idea of having that liquidity piece is important, or if they want to basically have that money indefinitely and pass it on to the next generation, then the reality is going to be that they can do that. But it all comes down to looking at those overall numbers.  

On the whole, I’m not a big fan of living off equity. I’m more of a fan of retiring the debt and obviously doing an exit strategy where you might sell one down and time that exit out. it would come down to modelling the numbers, modelling the growth story, because with an 8.2% overall gross rental yield, I’d be fascinated to have a look at what those properties are like and whether they’re getting lots of growth. But if I’m already at 64, I’d be paying those down and there may be one more in me in terms of a growth asset. So if I was looking at their portfolio, I’d probably say get me a growth asset in there and then by doing that, effectively I would sub out maybe one or two of those, even though they’re giving really strong cash flows, I might sub out one or two of those higher yielding properties that are giving me no growth in retirement. So I’d exit out of those over a period of time.  

Bryce Holdaway
Mate I like the cut of your jib. The point here is, you know, they’re relying on increase in rental alone. The important thing is if you’re effectively channelling the money back to retiring debt, you’re still increasing the rental pool through debt reduction. So that’s one thing. And two, it’s about, for me, this question, because I must admit my early strategy was the harvesting equity part of it. Thanks to you, meeting you many, many years ago, that’s swung around. But the question is, are you active or are you passive? So we would be considered active, we would be considered more likely to acquire more properties than the average person. Statistically we know that not many people buy one, and then of those who do, 73% (stop) at one. Chris Gray for example, he does that. And he’s got heaps of properties right. So he is a more active investor than someone who is more passive.  

Ben Kingsley
Correct. 

Bryce Holdaway
So therefore he’s got eternal confidence in the fact that he’s got this portfolio in the east suburbs of Sydney and will continue to grow over time.  

Ben Kingsley
And he’s value adding.  

Bryce Holdaway
He’s turning apples into apple pie. 

Ben Kingsley
Yeah, and he’s doing, you know, sort of penthouses on top of blocks of apartments and all that type of stuff. So he’s a lot more sophisticated. He’s solving bigger problems; taking on greater risk for better rewards. 

Bryce Holdaway
So that’s where people have got to work out on the scale where they are. And it’s a white knuckle ride because it relies on properties always growing and what about the fact that in the next few years we might be in a lower growth environment and if you’re racking up debt at $100,000 a year but you’re in a low growth environment, that might leave you with some anxiety around what your retirement looks like.  

Ben Kingsley
If you’ve got a $10 million property portfolio. Risking two of it. Well, that’s okay, isn’t it?  

Bryce Holdaway
But we see a lot of portfolios in this business and not a lot of people are there. So put a ring around if you see yourself as an active or a passive investor. Because if you’re passive, well then it’s more likely to give you less sleepless nights to do a debt retirement strategy and live off the passive income. If you’re active and you just get your kicks out of property and you see yourself putting on tool belts and renovating, well maybe living off equity might be for you.  

Ben Kingsley
And for these guys, it sounds like they’ve gone regional. To get those types of yield, it’s unlikely you’ll find them in any major metropolitan area. You might have one in Darwin or something along those lines. So the reality is, if you’ve perfected what you’re doing and it’s working for you, and you’re not having the tenant challenges with bad tenants in some of those locations, because I’d love to know some of the stories around each of the properties and what’s happened and the good tenants and the bad tenants, because that’s usually what you get.  

You never get a perfect run in terms of good tenants when you’re sort of looking at those types of yields in some of the regional areas. But the reality is, is if you’re up for it and you’ve perfected what you’re doing, you can keep replicating. The real question is, once you then forecast those cash flows, you’ll know when you need to stop as opposed to, you know, if you want to keep going. Because property has a high in and out cost, doesn’t it? It has a high recycle cost. Cost to get in, cost to get out. So it’s important that you don’t just keep chasing them down, when retiring the debt and living off the passive income could be the (way to) go.  

Bryce Holdaway
One of the more profound statements I heard you say very early on when we first met Ben was you said: This is my goal. This is my passive income goal. I don’t need many more properties before my portfolio is done. Job is done. You speak to Jane Slack Smith, job is done. She’s not acquiring anymore. And that was counterintuitive at the time because you can have this sense that you just gotta keep buying. Gotta keep buying, gotta keep buying, gotta have 20, 30, 40. And he who dies with the most property wins.  

But the reality is if you’ve got a clearly defined end point and you reverse engineer what that end point looks like….it takes away all the mystery and it gives you a step-by-step approach of what you actually need to do. So the fact that you can put the cue in the rack and then over time have no pressure to keep up with the Joneses, no pressure to keep up with the person who wants to be on the front page who’s got 10 or 12, because you’re actually progressively walking towards your goal with three or four or five properties.  

Ben Kingsley
Yeah, and so it’s never about the number. It’s about the income that it gives. And so if I was to go back and think about what I was thinking in 2005, it was around that $140-$150k mark. Once we were able to sort of develop the simulator and the cash flows and all of that type of thing, I’ve tweaked it little bit. It’s gone up to $160k. But it’s been at that $160k now for probably five years. And now I know what I need to do. So I’ve got one more acquisition to make, and then basically retire the debt out, and I’m done.  

Bryce Holdaway
Very good. So there you go, Lou. I guess the last point on that is The Rule of 25, Ben. If you know how much income you want, multiply it by 25 and it gives you the amount of income producing assets debt-free you need. So for example, if you can live your life off $10,000… multiplied by 25, you need $250,000 worth of income producing assets outside of your family home. But if you need to do that by $100,000 (then you need) two and half million. So you work out your number and then reverse engineer that income.  

Ben Kingsley
And so the beautiful part about that is that’s working off of 4% yield. So people will understand that it’s obviously four 25s or 100. That’s how it works. If you’re chasing a higher yield like a 5% yield then it’s the rule of 20. So it’s as simple as that. But we call it “The Rule of 25” purely to base on if we’re in this historically low interest rate environment, then it’s better to be conservative and it’s better to sort of say yield and rental yields might sit around 4% for a longer period which means capital growth is still going to be pretty strong. So it’s always a good point to make.  

Bryce Holdaway
Hey good question Lou, I think it’s on everyone’s mind Ben, as they’re building a portfolio. “What does my exit strategy look like?” So hopefully that’s been helpful to the folks. 

 

531 | Property, Paralympics, and Perseverance: How He Secured His Financial Future and Trains for the World Stage – Chat with Jonti

“I’ve definitely (got) no regrets and very excited for what the future holds…”  Jonti  

Folks, this inspirational quote is from our LAST Summer Series guest for 2024/25 who, by the age of 32, has survived and grown from experiences and horrors most of us can only imagine…  

With a new business, a flourishing property portfolio in Australia and a recent purchase of his dream $1.9M home, it seemed like Jonti had his life in order. 

That is until his life-altering accident.

Tune in now to find out how Jonti not only survived but thrived after instantly becoming a paraplegic – all while juggling his own business, debt levels and a relationship breakdown…to come out with his positive outlook above.  

P.S. A heartfelt thank you to each of our incredible guests for sharing their inspirational stories. We’ve absolutely loved sitting down, listening, and learning from your journeys. These moments are what make this series so special. ❤️ 


Free Stuff  

  • Free resources to get in control of your money and take action like our Summer Series guests:  
    • FREE MONEY MANAGEMENT APP
      Download Moorr, your new home for all your financial affairs. Get started today >>   
    • FREE INITIAL CONSULTATION
      Sit down with our team of investment-savvy specialists! We offer the complete wheelhouse for all your property needs. Get in touch today >>
    • FREE E-BOOK  
      Download Make Money Simple Again, your free instruction manual for our rules-based money management system, MoneySMARTS, which is guaranteed to trap surplus and requires less than 10 minutes a month to manage. Plus, keep your ears peeled for more information on our third book from the series… 😉 
  • Thank you to all our amazing 2024/25 Summer Series guests!
    You can find our entire lineup of Summer/Winter series guests here if you’d like to re-listen or hear from our previous guests!  

 

Timestamps  

  • 0:00 – Property, Paralympics, and Perseverance: How He Secured His Financial Future and Trains for the World Stage – Chat with Jonti   
  • 1:22 – Welcome Jonti!  
  • 1:56 – Money Story: “That’s life, and you have to move on.”   
  • 6:09 – His first job in primary school & reaching financial independence 
  • 10:31 – Entering the property market during the earthquakes  
  • 13:49 – 3 properties by 23?!  
  • 16:25 – How wakeboarding helped him on his investing path  
  • 17:38 – Differences in NZ property laws  
  • 19:51 – Grappling with workaholism & financial discipline 
  • 22:14 – Transitioning to Australia: Renting for $200 a week  
  • 23:29 – The concrete pump that developed his financial base  
  • 26:20 – Switching to buying regional units  
  • 28:35 – Uncovering why tenant quality and property management matters 
  • 32:50 – He’s never seen these properties… 
  • 34:18 – Selling three properties to afford his $1.9M dream home  
  • 36:33 – The life-altering motorbike accident  
  • 38:39 – How he survived post-accident: Managing business, debt levels & hope   
  • 41:27– Highlighting the value of defence  
  • 43:51 – First steps again on his 31st birthday 
  • 46:47 – Navigating relationship, rehab and rising rates in the aftermath  
  • 50:09 – The fork in his future: What is his north star now?  
  • 51:51 – Regrets & Reflections  
  • 54:39 – Why did Jonti want to share his story?  
  • 56:29 – What an insanely inspiring and resilient person, thank you Jonti!  
  • 1:02:19 – Thank you to all our awesome Summer Series guests!  
  • 1:02:59 – FREE RESOURCE: Moorr app and engaging the experts at Empower Wealth 
  • 1:04:26 – Our third book incoming!

 

530 | From Flipping the Local “Drug Dealers” House to Five Properties! – Chat with Catherine

Catherine grew up in a household where money was scarce, and financial stress was the norm. As the daughter of a seasonal worker, she experienced the instability of transient living first-hand, moving between 13 schools growing up. 😮  

This would deeply influence her later financial decisions… 

Determined to break the cycle of financial hardship, Catherine and her husband, Jeff, took action in their late 30s and 40s.  

Despite only having a $10,000 deposit and facing Jeff’s pre-existing financial hurdles, they rolled up their sleeves and began renovating their way to financial peace.

So how did they make the big leap onto the property ladder and overcome Jeff’s financial difficulties, which opened their eyes to lending limitations?!   

If you want a masterclass on how to apartment shop in Sydney and how this power couple has built a successful five-property portfolio after only starting later, listen to this episode now!!  


Free Stuff  

  • FREE WEBINAR REPLAY
    New Year, More Money: Habits to Master Your Finances with Moorr!

    Did you miss our latest webinar? Discover practical steps to turn your goals into results in 2025! Watch it now >>
  • How did Catherine and Jeff build a 5-property portfolio despite starting later in life?
    Discover how they leveraged Moorr and tapped into expert professional services to make it happen.

 

Timestamps  

  • 0:00 – From Flipping the Local Drug Dealers’ House to Five Properties! – Chat with Catherine   
  • 1:28 Welcome Catherine! 
  • 2:14 – Money Story: Seasonal work, struggling with money and 13 different schools?!  
  • 6:54 – Earning first income and the first big purchase  
  • 10:55 – Living in Sydney and no role models 
  • 11:59 – Flipping the local drug dealer’s house?!  
  • 16:13 – Doubling in price just two streets away  
  • 18:35 – The Motivator to Act: Childcare commitments and tax debt  
  • 22:59 – There is always opportunity: Starting with just $10G  
  • 24:25 – Property #2: Your masterclass on how to buy in Sydney 😉  
  • 30:01 – Zero valuation and blood stains on the walls?!  
  • 32:17 – Property #3: Buying a block of land?!  
  • 35:59 – The results from hands-on vs. hands-off 
  • 40:19 – Starting late: “It’s not about being the richest person in the street.”  
  • 41:22 – Property #4: A regional crab shack  
  • 44:49 – Property #5: Ugly Ducklings are reliable and durable!  
  • 49:10 – Why Sydneysiders have an appetite for high-density 
  • 51:37 – The renovations she did in her last property  
  • 54:05 – How they afforded their dream lifestyle: A caravan in the middle of winter?!  
  • 56:20 – Catherine’s North Star + what’s next?  
  • 1:01:11 – “You can choose your own path…”  
  • 1:06:08 – Ben’s #1 simple question: Am I going to be ok?  
  • 1:09:26 – Catherine’s secret sauce for success  

 

529 | Feeling Financially Secure for the First Time at 49: The Game-Changing Reset That Changed Everything – Chat with Jason

Today’s Summer Series guest is the true definition of a transformation story. 🌟 

From growing up with immigrant grandparents who valued frugality and “mortgage-first” thinking to racking up debt and making costly property mistakes, Jason’s story is one of hard-won financial security.  

He told us, “At 49 years old, it’s the first time I’m feeling financially secure.”   

Folks, you have to listen to this inspirational story that sees Jason and his family hit the financial reset button, thanks to MoneySMARTS…  

And it transformed everything. 💪  

Listen now to hear how he’s turned his financial situation around within a decade, is teaching his children healthy money habits and feels financially free.  

It’s an episode that brought us to tears. Give it a listen now!   


Free Stuff  

  • FREE WEBINAR: How to Set Up MoneySMARTS for Your Success in 2025! 
    7:30 pm (AEDT), Tues, 21 Jan  
    Are you new to trapping surplus – on autopilot? Come along to our exciting webinar, which explores how Moorr makes this easy for you – just as that New Year’s motivation starts to wane. Reserve your seat now >>   
  • Watch all our webinar replays in Moorr’s Learning Centre
    From all the exciting features launched as part of MoneySMARTS 2.0 to the best tools in Moorr for the job, check out our library now >>  

Timestamps  

  • 0:00 – Feeling Financially Secure for the First Time at 49: The Game-Changing Reset That Changed Everything – Chat with Jason   
  • 1:28 – Welcome, Jason!   
  • 2:27 – With grandparents who owned property, why didn’t Jason act sooner?  
  • 3:48 – Money Story: No drinks at McDonald’s and focused on the mortgage  
  • 7:42 – The big move that was a “slap in the face”  
  • 9:46 – Grappling with brand envy 
  • 13:25 – What was the mindset and financial outlook as the son of immigrants?  
  • 15:50 – The New Year’s resolution that transformed his future  
  • 17:15 – Folks, beware these types of calls!  
  • 19:08 – Property #1 and piling debt  
  • 20:52 – Jason’s checklist for buying Property #2  
  • 25:06 – Why did they make the game-changing financial reset?  
  • 27:28 Why 12-month goals and 7-day floats are critical for money management  
  • 32:17 – Credit card debt: How it gets away from you 
  • 36:46 – Teaching healthy money habits to the kids: Budgeting & buying shares  
  • 42:25 – How does Jason navigate surplus or less income?  
  • 44:43 – Why it’s not an issue to NOT see a property before buying it!  
  • 48:37 – “For the first time I’m not worried.”  
  • 52:36 – Everyone forgets THIS city was the best performing at one time… 
  • 55:35 –  The message Jason wants to get out to our community 
  • 56:51 – Why did he choose property over shares?  
  • 57:56 – Would Jason change his past?  

And… 

  • 1:01:34 – Thank you, Jason! It’s a true testament to discipline and trapping surplus  
  • 1:06:12 – New to trapping surplus? Free Moorr webinar incoming!  
  • 1:06:48 – Watch all our webinar replays on Moorr’s Learning Centre – this may be your best decision in 2025! 

 

528 | Meet the Outlier: He Built a $3.4M Portfolio at 32 While Funding His Love of Travel – Chat with Adam

Raised by parents who instilled a hardworking, “DIY” mindset, Adam, today’s Summer Series guest, kickstarted his property journey at just 22 years old. 😮  

Skip forward just over a decade, and he now owns a $3.4M portfolio and is living his dream lifestyle by design, including taking spontaneous month-long fishing trips. 

His journey, however, hasn’t come without hard work and struggle.  


Tune in to hear how this inspiring rentvestor…   

✅ Positioned himself to achieve “the holy grail” of financial freedom 

✅ Embraced self-education – even from blokes two decades older than him 😉 

✅ Overcame Australia’s “tall poppy syndrome” and much more!   

Plus, stick around to hear Adam’s clever strategy for overcoming his lending cap – and how you could use it to keep growing your portfolio too! 


Free Stuff  

 

Timestamps  

  • 0:00 – Meet the Outlier: He Built a $3.4M Portfolio at 32 While Funding His Love of Travel – Chat with Adam 
  • 1:28 – Welcome Adam!  
  • 2:00 – His first experience with property investing at 13!  
  • 3:24 – Money Story: Finding the holy grail of passive income  
  • 6:58 – The worst decision he ever made  
  • 9:25 – How did his parents learn about property investing?  
  • 12:24 – Why real estate reports aren’t accurate (and how he overcame it)  
  • 15:58 – Juggling his love of travelling with property investing 
  • 20:48 – The first “low-risk” play for his investment property 
  • 23:12 – How he saved up for his deposit  
  • 25:21 – Where the push for greater self-education came from  
  • 29:37 – Leverage THIS like Adam did!  
  • 32:38 – Property #2: The tenants now are the people who sold it?  
  • 39:00 – The COVID property purchase + why he doesn’t value-add to it now  
  • 44:08 – How he overcame his lending cap  
  • 48:41 – What an aggressive approach to trusts looks like!  
  • 50:52 – A horror “Buy & Sold” story  
  • 52:18 – Does it suit you: Why Adam is pursuing a rentvestor path!  
  • 54:17 – Do Super contributions matter with his strategy?  
  • 56:10 – What true personal sovereignty looks like  
  • 58:51 – “I don’t think what my portfolio is worth is a reflection of me”  
  • 1:03:46 – Reach out to Adam on socials or connect with our MMSA community!     
  • 1:05:34 – Thank you, Adam!

 

527 | “That’s All I Believed I Deserved”: From 19 Rentals to Self-Funding her Forever Home – Chat with Carolyn

Yep. Today’s guest has lived in 19 different rentals since turning 18…😱😱😱 

Within three years, however, she’s transformed her outlook from believing that old, run-down units were “all that she deserved” to self-funding her forever home on a single income!!  

Today on the couch is Carolyn, who takes us on a journey from pursuing a non-traditional career in the creative sector to building an alter ego that kickstarted her journey to achieving the greatest outcome of all – Financial Peace.  

Her story reveals the transformative power of self-belief, why it’s so important to leverage the schemes and savings available for first-home owners and… 

The secret of how she went from saving $50 to $500 a fortnight!?  

We’ve saved one of the most inspirational episodes for our first episode in 2025. Tune in to discover how Carolyn used her lost epiphany to become a proud homeowner!  


Free Stuff  

  • Now is the time to be setting your financial goals for 2025!
    Download Moorr for free and set up your target spending, savings, and surplus for the year on your journey towards financial freedom. (Psst, keep your ears perked for more details on our free upcoming Moorr Webinar)  
  • Get help from Opti, your personal property AI!
    Got a question? Ask Opti, our podcast companion who will search all our courses, books, and 500+ episodes – to find the answer to your questions instantly. (Please Note: Opti isn’t perfect so please don’t take this as financial advice.) Simply  click here to start the conversation on Whatsapp or scan this QR code:  Opti QR Code

Timestamps  

  • 0:00 – “That’s All I Believed I Deserved”: From 19 Rentals to Self-Funding her Forever Home  
  • 1:25 – Welcome, Carolyn!  
  • 2:11 – Money Story: Moving to Tom Price & growing up with no mortgage?!  
  • 6:36 – An ease with money 
  • 8:43 – “I had a fear of working”  
  • 10:39 – A different ambition, studying arts, and renting as a side effect  
  • 14:57 – Two brothers: Two different approaches  
  • 17:26 – 19 rentals since 18?!  
  • 21:09 – What triggered her from renting to finding a forever home?   
  • 24:36 – The Inner Journey  
  • 26:18 – What makes a good tenant?  
  • 29:29 – The Lightbulb Moment: “Because that’s all I believed I deserved”  
  • 32:52 – Just 3 envelopes: Rent, bills & savings  
  • 34:34 – “If I don’t look after myself, no one will”  
  • 35:20 – How did she step into an Alter Ego?  
  • 37:19 – The first person she told about her property journey… 
  • 39:09 – Playing the role of a prospective buyer  
  • 41:58 – Getting the deposit: The Super Saver Scheme & how it helped get her into property 
  • 43:22 – From Saving $50 to $500 a Fortnight?! How she did it!  
  • 50:12 – How did she know what type of property she wanted?  
  • 51:51 –”I felt over the moon for the next six months”  
  • 54:36 – Carolyn’s advice: From little things, big things grow  
  • 55:52 – There is help out there!  
  • 58:22 – Into the future…  
  • 59:21 – Thank you, Carolyn! What a testament to strategy, sacrifice and mindset shifts  
  • 1:01:43 Now is the time to set your financial goals  
  • 1:05:04 – Chat with Opti, your own property AI!  

 

526 | How She Stopped Money Controlling Her: 3 Properties & No Debt! – Chat with Sarah

Have you ever heard of a 13-year-old who chose to read finance self-help books on blue chip investments and negative gearing…over reading Harry Potter? 📖💰💼📈 

This is the story of Sarah, a resilient and money-savvy investor who has labelled herself “The Queen of Delayed Gratification.”   

And there’s a good reason for that!  

In our last episode for 2024, we get to unpack her eye-opening story from the unfortunate series of accidents that left her $20G in debt and how she still managed to save for a home deposit while supporting her mother and family. 

And this is just one chapter from her story!  


Tune in to hear: 

✅ Why you should NEVER sell your first home (and why Sarah pushed the button)  

✅ Don’t prioritise paying your mortgage first  

✅ Understanding the 6-year-rule: Why it matters!!  

✅ Speculative shares, investing in Bali, and why saving $300 for a camping coffee machine is important!  

It’s a motivational episode that warms our hearts as we see Sarah today with 3 properties and no debt!  

P.S. As 2024 draws to a close, from The Property Couch family to yours, we wish you all a very Happy New Year and a safe festive break!  


Free Stuff  

  • Give the Gift of Sight 
    To celebrate this milestone, Bryce is turning his birthday into a life-changing mission – hosting a charity event in Bali to fund eye surgeries for those in need. What’s in it for you? 

    Join the TPC crew for an unforgettable 3-day Bali experience! Witness life-transforming eye surgeries firsthand and dive into an exclusive property investing mastermind session with Bryce and the team. In partnership with the John Fawcett Foundation, your involvement will help provide glasses, eye medicine, and free cataract surgeries—restoring sight and changing lives forever. Find out more or register your no-obligation expression of interest today!  
     

  • Make your financial New Year’s resolutions a reality with Moorr
    Start using the only money management app you need for all your finances. Guaranteed to trap surplus in less than 10 minutes a month, begin 2025 with the most efficient and effortless money management system.

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Timestamps  

  • 0:00 – How She Stopped Money Controlling Her: 3 Properties & No Debt! – Chat with Sarah 
  • 1:26 – Welcome Sarah!  
  • 2:15 – What was her biggest influence to pursue financial stability?  
  • 2:54 – Money Story: Feeling the tension that “we can’t afford it”  
  • 7:28 – “I do not want to be controlled by money” 
  • 9:03 – The “Give-First” budgeting style: A moment for Sarah’s mum 
  • 12:34 – Buying her first property at 22  
  • 16:03 – Reading financial self-help books over Harry Potter  
  • 18:19 – The Queen of Delayed Gratification: From barbies to coffee machines  
  • 19:58 – The Hour Value hack to know if you really want it  
  • 23:18 – The unfortunate series of car accidents: The cost of no defence  
  • 27:14 – How she paid off her debts while saving a 20% deposit  
  • 33:03 – Was she scared to buy before the GFC?  
  • 34:36 – Rentvesting her way to property #2  
  • 37:32 – Why you should never sell your first home!  
  • 41:10 – The big mistake: Why you shouldn’t pay off your entire mortgage?!  
  • 45:25 – Defining the 6-year-rule in offsets  
  • 51:35 – Buying in superfunds & building in Indonesia   
  • 54:38 – The $5K in speculative shares 
  • 57:17 – Opportunities through the pickleball league  
  • 59:26 – Ben’s advice to folks looking to diversify!  
  • 1:05:37 – “Live on love, not online” 
  • 1:07:18 – Wow, thank you Sarah for transparently sharing your story ❤️ 
  • 1:11:03 – What an amazing year, we can’t wait to continue growing in 2025  
  • 1:13:30 – Join us for Bryce’s 50th in May next year!  

 

525 | From Paper Rounds to a 4-Property Portfolio: Why You Need to Pick up the Phone – Chat with David

How do you feel about making a decision when you don’t know how the story ends? 

This thought-provoking question from Bryce captures the essence of our latest Summer Series episode, where today’s guest, David (or Dave), shares how he set himself apart by doing something simple yet powerful: 

📞 Picking up the phone. 

As we wrap up for Christmas, we’re bringing you an inspiring story that highlights the life-changing power of action.

From selling his car to fund a mortgage, trading properties across borders, and even reflecting on the opportunities he missed—David’s journey is filled with valuable lessons. 

Would he change any of it?

Absolutely not.


Join us as David takes us through his story:

✨ Buying his first property at just 21 years old

✨ Traveling the world while managing a mortgage

✨ Battling spruikers, learning from mistakes, and much more! 

It’s an episode for anyone who’s ever envied those “BBQ success stories” and wondered what separates the doers from the dreamers. Tune in now to discover the actionable steps behind successful investing. 😊 


Free Stuff  

  • Excited to meet the rest of our incredible Summer Series guests?
    Catch up on all the inspiration and insights from our previous series right here! 🎧

 

Timestamps  

  • 0:00 – From Paper Rounds to a 4-Property Portfolio: Why You Need to Pick up the Phone – Chat with David   
  • 1:23 – Welcome Dave! 
  • 1:55 – How picking up the phone set Dave aside…  
  • 3:03 – Money Story: From paper rounds to finding his passion for commerce  
  • 9:02 – Buying his first property at just 21!  
  • 10:08 – 25 years that turned into $4.1M 😱 
  • 12:55 – What pushed Dave to leap onto the property ladder 
  • 13:28 – How he held his property while travelling to Canada  
  • 14:55 – Doubling in value over 10 years  
  • 17:16 – What Dave wishes he’d had before he’d taken action 
  • 18:22 – Trading upwards, travelling and buying land in Terrigal 
  • 20:21 – Getting spruiked by a Buyers Agent?!  
  • 21:45 – The sales pitch that sold Craigieburn, VIC 
  • 27:04 – Pulling the levers and buying over the border in QLD  
  • 30:02 – If he knew what he knew in 2018…  
  • 32:35 – “The program is a god send”: How Moorr has transformed his money management!  
  • 33:55 – The biggest takeaway Dave’s gotten from The Property Couch  
  • 35:59 – Why EVERYONE is an expert at BBQ conversations  
  • 38:30 – Listen to this if you’re trying to get onto the property ladder! 
  • 42:47 – How much value does Dave now place in an advisory team? 
  • 44:56 – Who should invest in an SMSF?  
  • 47:18 – Dave’s north star: What’s driving him over the next 20 years?  
  • 50:50 – The #1 golden piece of advice he’d give! 
  • 52:03 – What an aspiring Australian mindset looks like!  
  • 53:38 – Did his siblings take action?  
  • 55:50 – Thank you Dave! It’s a testament to transparency and taking action when the outcome is unknown…  
  • 59:11 – Merry Christmas, folks! We’re grateful to our amazing TPC community 🎅 

 

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