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?!  


The Property Investment Formula That Works In ANY Market And At ANY Time!

If there’s just one framework you should focus your attention on if you want to be a successful property investor… please make it this one!

Folks, in today’s episode we’re revealing THE Property Investment Formula you need, not just in your toolkit, but also what you must implement if you want to build a multimillion-dollar property portfolio that creates a passive income for yourself and your loved ones!

Our Property Investment Formula is made up of FOUR critical elements – what we call our our “A.B.C.D.” Pillars of Mastery – and it works in ANY market and at ANY time… (yep!)… ‘cos this is an evergreen formula to invest in property. It really will work today, tomorrow and forever. So make sure you get this framework RIGHT.

The “A.B.C.D” Pillars of Mastery are…

  • Asset Selection
  • Borrowing Power
  • Cashflow Management
  • Defence

BUT while this “A.B.C.D” Acronym makes it super easy for you to remember… these Pillars are NOT in their correct order as you would apply them in real life… so, please NEVER start with the property (Asset Selection)!

We’re about to unpack what order to apply our “ABCD” Property Investment Formula and how to implement and what to consider in each individual Pillar.

This is one of our all-time favour frameworks and, yep, it is absolutely critical for every property investor, no matter what stage they are in!

Listen now to get the proven formula to invest in property that works in any market and at any time!

Don’t forget, get further insights and “play along at home” by picking up a FREE physical copy of our book here: http://www.thearmchairguide.com.au/


Here’s a bit of what we cover in today’s episode…

  • What is Asset Selection?
  • What and Where should you buy?
  • The 4 Developer Tricks To Avoid At All Costs
  • New vs Old Properties
  • Investment Grade vs Investment Stock
  • How to recognise an Investment Grade Property
  • What is Borrowing Power?
  • How do you maximise your Borrowing Power?
  • How to Structure your home loans
  • Principle Interest vs Interest Only
  • What’s a Cash-on-Cash return?
  • Why’s interest rate NOT king?
  • What is “cross-collateralisation” ?
  • Should you pay Lenders Mortgage Insurance (LMI)?
  • Why should you NEVER get a loan directly from the bank?
  • Who should you get your mortgage advice from?
  • What is Cashflow Management?
  • Good Management vs Great Money Management
  • Four Steps to Elite Money Management
  • Why is “Liquidity” so crucial for a property investor?
  • What should you do with your money?
  • Or Money SMARTS system to Financial Peace
  • What is Defence?
  • How can you protect yourself, your family and your property portfolio?
  • What type of insurances are there?
  • What professional should you seek out?
  • How can you reduce your risk?


Free Resources

  • Free Book – The Armchair Guide To Property Investing: How to Retire on $2,000 A Week (please just pay for postage – we’ll pay for the book and send it anywhere in Australia for you.)
  • The Property Couch PodcastThe Insider’s Guide to Property Finance and Money Management (This is Australia’s #1 Property Podcast with over 307+ episodes that features HEAPS of simple and actionable frameworks, countless interviews with the best minds in the Australian property and finance industry and a ridiculous number of free resources to help you at any stage of the property investment journey)


Episodes from The Property Couch to Further Support You…





455 | How a $69,000 Property, 2 Duplexes and a Buffer Changed this Investor’s Life Forever! – Chat with Jodi Page Smith

As winter comes to an end so too does our phenomenal 2023 Winter Series, but you can be sure folks, we’re ending it with a bang!  

This week we’re sitting down with an investor whose childhood was characterised by sacrifice, determination and good money habits… 

Tune in now to hear how this moulded the person she’s become, growing up in a low socioeconomic area to buying her first investment property...just before travelling the globe?!?  

 Yep – Jodi’s story is one that will have you guessing her next move until the very end!!  

From her biggest regret (HINT: it has to with duplexes) to buying that property for $69,000 to the lifesaving decision she made in her 20s to get a certain line of defence… 

We’re unpacking a tale that truly highlights the power of getting your ducks in order, the glory of defence strategies and how determination wins the day over and over again. 

A MASSIVE thank you to Jodi and all our amazing Winter Series guests who’ve stepped up and shared your amazing stories with our community. 

Tune in now to finish our superb 2023 series with one insanely awesome and humble lady! 


P.S. Sad about this series ending? Don’t worry, we’ve got a super exciting guest coming on in just 2 weeks – and trust us, Bryce has been trying for YEARS to get them on…  We can’t wait to reveal who it is 😉 Stay tuned!  


 Give it a listen now or watch the Episode below! 


Free Stuff Mentioned… 

  • Ben needs your help! Fill out PIPA’s 9th Annual Sentiment Survey which helps to assess market attitudes and forms the basis for advocacy work against negative property investing policies. Fill it out here now.  
  • Listen to our earlier Winter Series Guests by clicking here!  


Here’s some of the gold we cover… 

  • 1:22 – Meet Jodi!  
  • 1:52 – Low socioeconomics & her parent’s goals… 
  • 6:05 – Growing up with both working parents 
  • 9:16 – The money exchange between Mum and Dad 
  • 10:38 – How to build financial muscle memory!   
  • 13:08 – From 1 to 15 buckets… 
  • 13:44 – The first investment property: When your parents back your decision… 
  • 14:26 – “I wish I had bought 4”  
  • 16:24 – Why do people keep moving houses?! (Her A-HA moment)  
  • 18:48 – What???? $69,000?!?   
  • 19:19 – A marriage, a duplex and being a Doer  
  • 21:46 The Biggest Regret  
  • 22:36 – Struck by sickness… 
  • 23:55 – Subdividing the tricky way 😮  
  • 26:06 – When you really trust your gut instincts    
  • 27:21 – How to Engineer Success 
  • 29:01 – What has saved Jodi and her family numerous times??  
  • 31:33 – It’s not very sexy but… 
  • 32:51 – The importance of buffers and cashflow management  
  • 35:02 What motivated Jodi to put a professional plan in place?  
  • 36:41– How she gained validation, knowing & peace of mind!   
  • 37:15 – Getting to the finish line quicker?!   
  • 39:41 – Cutting back where possible and interest rates 
  • 41:13 – Making sacrifices to stick to the vision    
  • 43:19 – Their like chalk and cheese  
  • 45:20 – Wanting people to know that…. IT DOES WORK   
  • 48:12 – TAKING ACTION!  



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


Get Moorr out of your money.
Log in or create your free account via the Moorr web platform, or download the app on Apple and Android and transform the way you view and track your wealth. 


343 | “Pass Go & Collect $200” – 6 Property Lessons From Monopoly!

Ah, Monopoly – the classic board game… chances are you’ve got fond (or maybe even frustrated?) flashbacks playing it…

[… Nothing quite like the feeling of “Passing Go”, getting a quick cashflow lift, and then proceeding to bankrupt your loved ones in a friendly-but-no-so-friendly game of Monopoly… 😅]

Well folks, Did You Knowthe 100-year-old property-trading game actually has 6 Proven Property Lessons that you can (and should!) apply in real life!!

Yep. And here’s the deal… today we’re unpacking exactly how you can apply these key lessons from Monopoly to YOUR own lifestyle design!

Look, this episode’s a bit of fun BUT, most importantly, is full of timeless takeaways that’ll shake up the way you look at property investing… (and help cement the wisdom!)


Can You Guess The 6 Property Lessons…? 👇

  1. Always Be __
  2. The Most __ __ Is Not The Best
  3. Focus on __
  4. __ Your Investments
  5. __ Matters
  6. __ __ Is The Key


Tune in now to get the answers!


Free Stuff Mentioned


Here’s A Bit Of What We Cover…

  • 02:49 – Your BIGGEST Competitive Advantage!
  • 04:24 – Wait, you’ve NEVER heard of Monopoly..!?!
  • 05:43 – Bryce first thought you had to do THIS when negotiating…
  • 07:46 – LESSON 1: Always Be __
  • 08:39 – Trying to buy everything you land on… (and The Meltdown!)
  • 11:43 – How to Hack Probability WITHOUT Gambling…
  • 13:09 – Things we ask ourselves BEFORE we purchase anywhere
  • 13:22 – Can you get it right 100% of the time!?!
  • 14:17 – The block of dirt Ben almost bought…
  • 15:14 – LESSON 2: The Most __ __ Is Not The Best
  • 15:28 – When you’re caught up trying to buy Mayfair and Park Lane…
  • 17:48 – The most expensive properties on Monopoly… but in Australia!
  • 19:55 – LESSON 3: Focus on __
  • 20:18 – How to recover when you pick The Unlucky “Chance” Card
  • 23:20 – When the borrower is at the mercy of the lender…
  • 25:06 – The BIG yield between the “red” and the “blue” properties!
  • 25:47 – LESSON 4: __ Your Investments
  • 28:26 – What Monopoly teaches us about BORDERLESS investing…
  • 32:19 – LESSON 5: __ Matters
  • 32:45 – What squares are MOST landed on in Monopoly? (And what does this hint at when you invest in property…?)
  • 37:19 – LESSON 6: __ __ Is The Key!
  • 40:32 – Robert Kiyosaki’s cashflow game…
  • 43:42 – What the creators of Monopoly quickly realised…
  • 44:38 – 7 reasons why playing Monopoly is a great for kids!
  • 46:42 – Bryce’s version of Monopoly at home (LOL)
  • 46:57 – The Reality of Retirement WITHOUT a passive income…



Free Report: 10 Tips Every Landlord Needs To Know To Protect Their Property

We get it, folks… “Landlord Protection Insurance” probably doesn’t sound like the most exciting thing in the world, right!?!

But here’s the deal… it is a CRITICAL element of a property investor’s Defence Strategy to protect themselves and their property portfolio. Our special guest, Greg Rowe unpacked all this and more in Episode 328 – The #1 Checklist For Landlord Insurance!

Now…. sometimes life can get in the way and you might have time to listen to the podcast. We get it! That’s why, we’ve collated all the critical tips and make it a free downloadable! Just to make sure that you don’t miss out on all the gold 😉

Fill in the form below and we’ll email you the Top 10 Tips Every Landlord Needs To Know To Protect Their Property report right away!

  • Are you also interested to have a better understanding of your cashflow position via our FREE Money SMARTS Platform?

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














Free Resources

What to be notified when there are
new updates & free resources?

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



Plus We Will Also Notify You When We Release New Episodes

We Only Send You Awesome Stuff



We Only Send You Awesome Stuff