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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 🎅 

 

524 | Saving More WITH a Mortgage: Proof That It’s Possible to Go from Living Paycheck to Paycheck to Investing in Property – Chat with Clinton

 “We weren’t criminals by any means, but that’s just how it was.” – Clinton 

Growing up, today’s inspiring Summer Series guest, Clinton, faced such strong feelings of embarrassment and a reality with little to no money.   

His family couldn’t afford car registration — and the fear of fines led them to “duck their heads and pretend we were in an empty car.”  

That lasting feeling of shame, a five-figure bank receipt, and a memorable Christmas present became the catalysts that set Clinton on his journey to financial freedom. 


In this special episode, you’ll hear: 

✅ Learning as you go: Clinton’s journey from first jobs to first apprenticeship 

✅ The life-changing personal loan that changed his perspective on debt 

✅ Dodging spruikers: How Clinton self-educated and built his property knowledge 

✅ Breaking into the Cairns property market: How Clinton and his partner, Alana, took this competitive leap 

✅ Saving more WITH a mortgage: The strategy that’s helping them save for their next investment and stay focused on their financial North Star 

For a motivational story about the power of self-determination, the importance of mentors, and how one small town can change your life, tune in now! 


Free Stuff  

  • New Book Incoming:  
    We’re updating our best-selling book, The Armchair Guide to Property Investing. If you haven’t read it yet, download your free copy now and keep an ear out for the new and improved version in 2025!  

Timestamps  

  • 0:00 – Saving More WITH a Mortgage: Proof That It’s Possible to Go from Living Paycheck to Paycheck to Investing in Property – Chat with Clinton 
  • 1:31 – Welcome Clinton!  
  • 2:26 – Money Story: “We weren’t criminals by any means but that’s just how it was.” 
  • 6:48 – Here’s to Clinton’s supermum!  
  • 10:36 – How washing cars and a five-figure receipt taught him that hard work pays off  
  • 15:33 Weipa: The town that changed his life  
  • 17:36 – Who influenced him to invest?  
  • 21:26 – First jobs to first loans: The credit card debt he was grateful for  
  • 26:02 – How Alana helped straighten him out 😉  
  • 27:15 – Escaping spruikers and how he educated himself!  
  • 31:02 – Do THIS investigative work to avoid being spruiked 
  • 33:59 – A job hurdle for lending  
  • 35:10 – How they secured the first property in Cairns  
  • 36:23 – Working 1 week a month?! How Clinton plans to use his financial freedom 
  • 40:53 – How he’s saving more money WITH a mortgage 😮  
  • 44:08 – Why Clinton came on the couch: “It’s amazing what you can achieve when you put your mind to it.”  
  • 48:10 – How he’s smelling the roses while still having delayed gratification  
  • 51:04 – Thank you Clinton!  
  • 53:50 – New book incoming! 

 

523 | From $405K to $830K in 6 Months: How Moorr Allowed This Family To Get Onto the Property Ladder

 

Welcome to our first 2024/25 Summer Series episode, folks!! ☀️🏖️ 🏄‍♀️ 👡 🧢  

We’re so excited to share all the sizzling, eye-opening and heart-warming stories we’ve got lined up and to kick things off, we’ve got Naomi! 

She is the definition of what happens when you combine auction lessons learnt from eBay with the desire to put your family first 👨‍👩‍👧‍👦❤️ 

Her story truly proves that “It doesn’t matter where you start; it’s where you finish.”   

As you’ll hear, her life demonstrates what happens when you consciously decide to fill “the missing tools” in your tool bag. From growing up in a broken home and living hand to mouth with her husband for SEVEN YEARS (you read that right!!) 💰️ 

Tune in to hear how she learnt healthy money behaviours and invested in educating herself to self-fund her retirement. Plus, the power she experienced from discovering MoneySMARTS aka. the money management system that ACTUALLY works for trapping surplus. 

(Spoiler: It was, in fact, what helped her to make the leap on to the property ladder – and how you can do the same!!)  

It’s a fantastic transformation story that impacts not only Naomi, but the generation that came before and after her.  

🎙️🔥 It’s a ripper, folks. Listen now! 


Free Stuff  

Timestamps  

  • 0:00 – “That’s All I Believed I Deserved”: From 19 Rentals to Self-Funding her Forever Home – Chat with Naomi 
  • 1:20 – Welcome to Summer Series & Bryce is donating his birthday to charity!
  • 4:28 – Welcome Naomi!  
  • 5:40 – Money Story: Growing up in the era of delayed gratification  
  • 11:29 – Divorces and supporting the family from young  
  • 12:58 – How she survived in Sydney as an 18-year-old  
  • 16:08 – “Sometimes you must fill your tool bag with what you don’t have.” 
  • 19:11 – The Time Crunch: Finishing degrees and pregnant with baby #1  
  • 23:11 – How she lived rent-free in…a lighthouse?!  
  • 24:38 – Buying their home right after the GFC  
  • 27:47 – Why did they decide to invest in property?  
  • 29:57 – How lessons learnt on Ebay helped them buy their investment property!  
  • 30:51 – Sub-dividing land and living with the mother-in-law  
  • 38:13 – The drivers that pushed Naomi to live a different life  
  • 42:42 – Is this the person you want to be? 
  • 45:05 – 17 years old, $20G in savings and owning a car?!  
  • 47:00 – The $30G lesson  
  • 49:59 – How they afforded a home 250 metres from the beach!  
  • 53:18 – The North Star: Family first, first trips overseas, and “mini-retirements”   
  • 57:19 – Sucking the marrow out of life!  

And…

  • 1:03:07 – It doesn’t matter where you start, it’s where you finish. Thank you Naomi!  
  • 1:06:20 – A little 2025 placeholder: January Webinar featuring a VERY special guest… 

 

What’s Your Money Story Like? Join us for our Summer Series and share your story!

We get it… Talking about money can feel awkward and uncomfortable.

But it shouldn’t be a taboo subject!

Having conversations about money not only allows us to understand ourselves better but also gives us the opportunity to learn more from each other.

So, would you like to be in our Summer Series podcast?

We’d love to listen to your story and hear about your tips and tricks when it comes to money management! And if you have a specific question in mind, we want to hear it directly from you too!

Just fill in the form below and we’ll get in touch. 😉


  • Name

  • Nickname
  • (Do you have a nickname/alias you want used on the podcast?)

  • Email

  • Contact Number

  • And a quick summary on your Money Story!

    Let's start with What Money Means to You. We are interested to know what motivates you particularly when it comes to money. From the options below, please select the top five that matter to you.

  • A quick summary on your Money Story!
  • Don't spill all the beans 😉

  • And finally, have you implemented our MoneySMARTS system?

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

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