486 | “Stuff This!”: How to Tackle Financial Anxiety


PLEASE NOTE: We have changed the names of the folks in these case studies.  

 We’ve all experienced the gut-wrenching anxiety that comes with property investing, and it’s a natural response considering the huge sums of money and extensive time involved.  

But what happens when it becomes an overwhelming feeling that wakes you up at 2am?  

Folks, this is a REAL story from today’s honest and inspirational Case Study episode.  

From Billy, a single dad holding onto his ambition to secure a future for his son amidst personal and financial upheaval, to Liz and Michael, a couple who found themselves constantly fighting their financial fears.  

Hear how these investors confronted their anxieties, took that first big step with a qualified accountability partner and created their path to freedom.   

The end result? One plan maximises time in the market resulting in a passive income of $2K and the other one creates a net wealth of $17M at retirement😮  

Tune in now to find out step-by-step how these folks will achieve this!  


P.S. Huge thank you to today’s guests for opening up about their journeys, we know it’ll inspire many folks in the community to take action.  


Free Stuff Mentioned



  • 0:00 – “Stuff This!”: How to Tackle Financial Anxiety 
  • 2:43 – PICA Webinar: Stage 2 Property Reforms (QLD)  
  • 3:28 – Social reach out from Kurtis (Share the Ep you’re listening to on your socials!)  
  • 6:08 – Vale Steve Waters  
  • 8:46 – Mindset Minute: What is consistency?  
  • 13:05 – How MoneySMARTS saved this listener! 
  • 14:33 –  Moorr Upgrade Teaser! 
  • 16:31 – Case Study #1: Billy 
  • 20:20 – The magic of soundboards 
  • 22:06 – External Problems: A growing business & limited borrowing capacity  
  • 23:30 – Mortgage Savvy Brokers vs. Accountants  
  • 26:59 – The Internal Challenge 
  • 28:47 – The Plan: How to put more cards on the table  
  • 31:59 – Contingencies Amanda built into this “Single Gent Plan”  
  • 38:15 – How Billy is maximising his tax deductibility  
  • 39:44 – The end goal and his focused transformation  
  • 43:25 – Case Study #2: Liz and Michael  
  • 45:46 – The Anxiety Pitch 
  • 47:43 – Where did the stress and anxiety come from?  
  • 50:52 – Bryce & Ben’s experience with investing anxiety  
  • 55:09 – Google Maps Analogy: There is NO one-size-fits-all!  
  • 57:27 – The Epiphany: “Stuff this!”  
  • 58:41 – The Plan: The contingency child and education 
  • 1:03:54 – How this couple took action 
  • 1:07:25 – $17M at retirement and no more anxiety! 
  • 1:10:16 – Thank you to Amanda, Stu, Billy and Liz & Michael!  


  • 1:10:47 – Lifehack: A Bed-Time Routine for Strengthening Connection 
  • 1:14:25 – WMPN: Disturbing data from Victoria: House and land sales plummet  

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 >>  



  • 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!  


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


414 | How This Couple Is Smashing Procrastination & Retiring Early

One of the biggest derailers for any investor is…

Procrastination. 😱 

So how can you avoid falling into this trap?!   

Folks this week we’re back with another super-exciting, real Case Study about Annabelle & Jamie (Pstt – These are fake names!).  

A couple in their late 30s, they’ve spent the past 5 years procrastinating their life’s dream of building a property portfolio and moving from the bustling city of Sydney to the laidback coast of Byron Bay Hinterland. 

Overwhelmed with the number of options and their lack of knowledge, sadly, they believed that this dream has passed them by. 🙁 

Tune in now to discover the sequencing that Annabelle & Jamie can take to still make this dream a reality, and the frameworks and property plan that’ll stop them from falling into the procrastination trap (or from making more costly mistakes) ever again!  

A crazy-but-true episode that highlights the power of planning, taking action and smashing procrastination!

Listen now to see how this couple can achieve all of this while setting themselves up for a $120K passive income AND an early retirement!  


P.S. Keen to find out how you can build your optimal property portfolio too??  
Book a free, noobligation consultation with our award-winning team of Property Investment Advisors here (and avoid falling into the procrastination trap!)  



Free Stuff Mentioned… 


Want to work with Bryce & Ben’s Award-Winning Team? 


Here’s some of the gold we cover… 

  • 0:00 – The gold today! 
  • 1:51 – Next we’ll be seeing a mini-budget… 
  • 3:38 – Have you got a compelling story? Share it with us in our 2022/23 Summer Series! 
  • 5:36 – A lot of financial debates are actually just people with different T_m_ H_ri_o_s!  
  • 8:56  Today’s Case Study: Annabelle & Jamie 
  • 11:51 – Why this isn’t a “money map” it’s a LIFE map folks!  
  • 12:59 They decided to get help because… 
  • 15:15 – These are the problems we’re trying to solve!  
  • 16:41 – Folks, time horizons are key!!  
  • 17:57 – Why a plan is important for time-poor professionals! 
  • 19:50 – Why we’ve taken a conservative approach!!  
  • 21:29 – The Big-Ticket Items  
  • 22:08 – This is why it’s CRITICAL to get your sequencing in order!!  
  • 22:41 – Their Low LVR and High Incomes are allowing them to… 
  • 24:01 – The First Asset: Trading out of the Big City to the Country
  • 26:30 – Why we don’t model over 7.5%!  
  • 27:44 – If you’re buying period homes, make sure you have this… 
  • 28:58 – …And this is why we didn’t recommend an asset further out!  
  • 30:49 – One Year Later: An Accelerator Asset (Why is it optional?!?)  
  • 34:15 – Expanding the family & smelling the roses!
  • 36:50 – How they’re retiring 9 years before they get super!  
  • 38:40 – The Hidden Derailer For MANY Investors!! 
  • 40:20 – The real value you get when you have a plan!  
  • 44:42 – This is why they’re a LUCKY couple… 
  • 46:50 – We always think it’ll be different THIS time folks…. 
  • 49:43 – What defence do they have?!  
  • 50:57 – During accumulation phase, this is actually your biggest asset!  
  • 52:40 – The Golden Frameworks  
  • 54:25 – The Outcome Of This Plan (aka. The benefits they’ll be reaping!)  


  • 57:45 – This is why you should always leave a buffer!  
  • 1:01:04 – An announcement for our Moorr Users!  
  • 1:01:46 – Auction Clearance Rates: Good news on the horizon?? 
  • 1:04:03 – Why we need to stop spending folks… 
  • 1:04:57 – Today’s Buffer Rate = Mortgage Prison!  


413 | The Future of Price Growth in Australia

Passing on interest rates to tenants. Updating property plans. The future of price growth and…  

Restructuring your mortgage (is Line of Credit still the best?!)   

Yep.  Folks, we’re back with another ultra-packed Q&A session that’s all about being smart with your money in an unpredictable market.   

 Here’s a teaser of what else we cover… 

  • How can landlords offset these extra costs from rising interest rates?!  
  • The #1 biggest indicator that it’s time to update your property plan 
  • Why housing prices WON’T stagnant and housing prices will STILL grow – even given today’s market!  
  • The Veblen Effect: What it is and why it’s important in today’s market cycle!  
  • Where most of Australia’s growth actually came from (aka. A short history lesson)  
  • The Role of Income Growth, Immigration and Inheritance  
  • What are Quasi Lines of Credit?! (are they a good idea??)  
  • The markets Ben is (and isn’t) worried about in this market cycle, plus  
  • Tons more gold!!  

It’s another massive episode folks, give it a listen to get the facts and cut through the noise! 


Questions We Answer…

Question 1: Janet on When should you update your plan? 

Hi Ben and Bryce, 

My husband and I are big fans of the podcast. 

We have learned so much listening to the both of you over the years. 

We’ve actually been to your team Empower Wealth in North Melbourne for financial planning and property investment advice and that was before our honeymoon. 

Now we have 1 child (14 months old) and 2 properties in, one principal place of residence and 1 investment. This was all factored in by your team as part of our lifestyle by design plan. 

There is a component to the plan which is to get our 3rd property in a few years time as investment towards our retirement plan. 

However, with the changing market, I’m starting to wonder if its time to bring things forward or we stick to the plan. 

So my question is once you’ve got a property investment and a retirement plan set up, how often would you recommend getting this revised and looked into? 

I would love to hear from you two and keep up the good work on the podcast. 


Question 2: Adam on Can you pass on interest rate rises to tenants quickly? 

Hi Boys, 

Love the show and thanks for all the tips and all the advice that you provide each week. 

My wife and I have 3 investment properties and given the market is a bit softening at the moment and there’s a lot of uncertainty out there, we think it’s really good time to try to buy again. So we can get a loan at the moment our broker confirmed to us that we can borrow at the moment. 

However, when I run our numbers on next year in  about 12 months time, our 3 properties that we do have at the moment are currently on the fix rate and we fix them at about 2% interest and all 3 come off their fix periods in about 12 months time. 

So if we did buy again now by fourth place, when the loan repayments we’ve got on the other 3 next year did it at fixed period, that’s more than $2000 a month extra in mortgage repayment will be up for so we’ll be in trouble if we borrow again right now so we’re a bit in a snag. 

I’m just curious in your thoughts, I think you’ve mentioned before in your show that the Australian economy, I think is about, $40B in residential loans that fixed at the moment with low interest rates  in the last few years and they’re all gonna be coming off fixed periods next year. 

So there’s gonna be a lot of people, lots of household all of a sudden have to find material amounts of money each month in extra loan repayments. For those who are investors like us, we can just wanna try to pass on a lot of these costs to our tenants and raise the rents that they are paying given there already is rental crisis across the country.  How do you see this playing out in the economy. 

If you have a lot of landlords all of a sudden wanting to put the rents up substantially because interest rates have blown up and loan repayments are higher, do you think we’ll be able to recover some this cost through increasing the rents at all?

Question 3: Michael on Interest Rates, Borrowing Capacities and long term impact on price growth 

Good day Ben and Bryce. 

Hope you’re both well. 

Ben, condolences on the loss to Sydney, mate.  I know that’s probably a tough one. 

My question to you both is regarding to the overall pricing of housing and I know it’s broad question but with regards to the correlation between interest rates and the impact it have on borrowing capacity. 

I know there’s been peaks and troughs over the last 30 years but I’ve seen over time you know a gradual decrease on the amounts that we pay on the interest rates therefore our borrowing capacity increased. 

My question to you is that now that we’ve reached the bottom point where we’re on our way up, do you foresee that having a long term impact on the increase in housing value? 

I know there’s other factors in play but as far as borrowing capacity goes, I can see that there is quite a strong link in interest rates and the borrowing capacity. 

Just curious to get your thoughts on that and what’s the impact it will have. 



Question 4: Karen on Borrowing Strategy – what is the optimal review? 

Hi Bryce and Ben, 

My name is Karen and I have a question about refinancing a principle place of residence and investment properties. We currently have a loan of credits on our principle place of residence.  

We used this loan of credit to purchase 3 investment properties and these 3 investment properties are all with different lenders. With the current interest rate rises and some of these loans coming off fixed interest, we are now wanting to refinance some of those. 

Our mortgage broker, this is my question for you, our mortgage broker is suggesting because of our age which we are 51 and 52 respectively, we have high disposable income because our children are all over 18 and that we combine all of our loan in to one big facility with AMP and have it split in to various splits and so our home loan on PNI and then the various investment properties as interest only. 

I’m really concerned with this approach because it goes against everything that I’ve listened to in your podcast today and I’m would just be really interested to hear what you have to say on the next approach. 

So basically the splits for the investment properties would be interest only and our principle place of residence P&I and she’s saying that this is the only way forward for us to be able to refinance the whole lot. 

Ideally, I’d like to keep the line of credit. 

I like the flexibility of it and I’d like to keep the investment properties with loans separate to our home. 

Free Stuff Mentioned… 


Want to work with Bryce & Ben’s Award-Winning Team? 


Here’s some of the gold we cover… 

  • 0:00 – What we’ve got in store for you… 
  • 1:18 – Folks, this is how you can get a free Start & Build Course! 
  • 2:53 – Negative things happen. Negative mindsets make it…. 
  • 5:19 – Question 1: When should you update your plan? 
  • 6:56 – How you can tell it’s time to change!  
  • 7:38 – And this is WHY you’d want to bring it forward!  
  • 9:20 – 97% of the time this what you’ll be doing…  
  • 11:21 – THIS is where they sit on our “7 Grades of Financial Wellbeing” scale (Don’t know what this is? Take the quiz here!)  
  • 12:46 – Question 2: Can you pass on interest rate rises to tenants quickly?  
  • 14:42 – We haven’t seen this for the last 3 years… 
  • 15:44 – When are we going to see the 3 big tranches?! 
  • 16:15 – Rents will be going up…  
  • 18:34 – How Adam can offset costs!  
  • 20:41 – Legislation that property owners should consider!  
  • 22:47 – THIS is a good rule of thumb for measuring costs and profit… 
  • 25:38 – Want to future forecast your modelling? Try Moorr, our online money management platform and it’s forecasting feature: MoneySTRETCH.  
  • 27:48 – Question 3: Interest Rates, Borrowing Capacities and long-term impact on price growth 
  • 28:57 – Most of this growth has to do with Australia’s lowering cost of M___!  
  • 29:40 – Income growth, affordability & interest rates  
  • 31:36 – Ben’s predictions for wage and population growth! (THIS will always push growth)  
  • 32:38 -These are the markets Ben’s worried about… 
  • 32:55 – The Role of Inheritance and Immigration 
  • 34:51 – Recap: What were the “Roaring 20s”?  
  • 35:17 – Why housing values WON’T stagnant! 
  • 36:14 – This is why price growth will continue! 
  • 38:40 – If you haven’t check out THIS amazing chart (bottom of page 1) from CoreLogic… 
  • 39:17 – The Veblen Effect 
  • 41:40 – Question 4: Borrowing Strategy – what is the optimal review? 
  • 44:21 – Who is AMP?  
  • 45:19 – Why you don’t really need a line of credit… 
  • 46:08 – Some other great options!  
  • 47:06 – What Ben does with HIS line of credit!!  
  • 47:23 – Why there’s still opportunity for older aged Australians… 
  • 49:51 – What is a Quasi Lines of Credit?!  
  • 50:34 – If you want more on How to Beat the Banks, check out Ben’s newest educational series here.  
  • 51:17 – Leave us a Question on our Speak Pipe – it’s never been more important!  
  • And… 
  • 51:50 – Did you know, the body of the Apple phone is actually pretty cool. Here’s why… 
  • 54:12 – The Top #10 Most Successful Celebrity Investors 
  • 57:22 – Honourable mentions for the women… 


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?


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?

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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!!


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








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