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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? 

 

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. 

 

485 | Must the Plane Have Landed BEFORE I Retire?

 

Is 64 too old to be starting a property portfolio?  

Must your investment property be fully funded by the time one retires?  

And why does investing with intention matter – even after you’ve acquired 5 properties?  

In today’s Q&A we’re answering these fantastic questions that explore the many layers folks should consider BEFORE they choose to enter or exit the property game.  

This episode highlights the importance of planning and intention, from calculating how much you really need (and gaining clarity around your next step) to why you shouldn’t invest in property like stepping stones. 

Plus, we have a Listener Tale (or horror story) highlighting why property management matters. Listen now! 

 

Free Stuff Mentioned

  • Moorr Webinar: Best Tools for the Job – What to Use When?
    7:30pm AEDT, 19 March
    Within Moorr, our money management platform, there are currently over 25 features and tools, providing more than 100 different insights! In our webinar we’ll guide you on the best tools for the job and reveal how all your data comes together to give you meaningful insights through our “track your progress” approach to money management. Find out more or reserve your spot >>  
  • Corelogic’s Women in Property Report just released! Read it now >>  
  • Leave us a Q or share your story with the TPC community!
    Leave us a Q for our next Q&A Day (and we’ll give you a free Start & Build course!) or share your property journey and be in our next Winter Series.  Send us a voice message now >>   

 

Questions We Answer

Q1) How important is it that an investment property is fully funded by the time you retire? from Richard  

Hi Ben and Bryce, Richard here.

I just wanna start by thanking you both for everything that you do for the community. It’s real eye opener and it helps me to get my head in the right spaces.

I look towards everyone my house fully paid off and looking to start my 1st investment, but my question is, I’m 52 just about paying my own property out.

How important is it that an investment property is fully funded by the time you retire, or is it okay if it’s just looking after itself and can continue on for another few years, whilst your in retirement and fund itself in the background, if you can give us any help on that, that would be great.

Thank you.

 

Q2) Investing at 64 from Ralph 

Hi, I just wanna know if I can build a property portfolio at the age of 64. Thank you. 

 

Q3) Multiple IP’s already and wondering what to do next? from Matt   

Hi guys, it’s Matt here. 

I live down in Torquay, VIC. We have a number of investment properties: 2 in Queensland, 3 Victoria and we own our home. 

We own most of our investment properties. There is still a little bit of debt there. 

Basically, just looking for a financial plan or some advice as to what to do to move forward. I plan to step away from our business within the next five years and just see whether we can somehow live off the equity. 

I basically just want a plan and just maybe get you guys to have a look at our overall situation and offer some advice, and look forward to hear back from you. Bye. 

 

Listener Tale: The Importance of Property Management 

Hey Ben and Bryce, 

Just wanted to reach out and say Ep. 480[How to Fail to Retire on $2k per week] 

Guys! This is phe . nom . enal ! I can relate to some if not all of the “how to fail to build” points you raised here. 

My true story goes a little something like this:  

I bought my first house and land package as a PPR just before the GFC hit and after living in it for a year, rented it out because I went off traveling the world in my mid 20s for the next 8/9 years. After the real estate agency secured what I thought was a good tenant, I gave them the flick and managed the property privately. Thought it was a great idea to save a few dollars on fee’s right. Those same tenants moved out 5 years later and I had to replace all the carpets, repaint the walls and replace some fans the kids had swung off of. Needless to say, the bond certainly didn’t cover this. I kept the bond and offered the tenants to pay the rest of the bill. Obviously, I heard crickets from them so had to pay the rest out of my own pocket. I had landlords insurance but this is a worst case insurance for me and I never use it to claim small things. Its just for the “what if the house burns down”. 

You’d think I’d learn right? Wrong. I went and got another tenant, funny enough it was the family next door and they were moving out of that house because it was up for sale. I saw an opportunity to save of management fees again and 2 weeks rent the real estate would have charged for finding a new tenant. The new family moved in under a private agreement. Sweet as right? Nope.. after trying to manage this house from a yacht somewhere in the Bahamas (which I worked on btw not owned) I found out while doing my own tax return one year that they had under paid me rent. I had to send them emails and show them spread sheets from a far of how much they were behind and it was more than 5 grand. I thought enough was enough and got a property manager to helped sort them out and they did pay me what I was owed and all was fine. 

But do you know what the kicker is, well it’s not keeping up with what the rental market is doing. I.e. rents around my house had gone up and considerably, but because I was managing this house myself from a far I didn’t have the finger on the pulse. After all of this learning, let me tell you fella’s.. I have now learnt! I maintained a property manager for this house from then on. 

That lesson had taught me about property management and it’s importance. What it didn’t teach was having the right strategy in place, and so I sold that house at roughly the 10 year mark (insert palm in face emoji). 

I can whole heartly say that the net of the money I 

saved in management fee’s over the years was surely a net negative and as you can see to top it off I sold the property and paid commission to do so. I can’t bring myself to check the growth of that suburb and what the house would be worth now or event to check what it’s rental yield would be. For context I sold it in 2022. 

Final point I’ll make on this and for people who may read this, I wish I got accredited professional help because my future self would have thanked me for it. My wife and I have now got that help through Empower Wealth and we are on a path of retribution. 

I am a dedicated listener to your podcast. Keep up the great work! 

You guys are my Joe Rogen! 

Cheers Trev. 

 

Timestamps

  • 0:00 – Must the Plane Have Landed BEFORE I Retire? 
  • 1:39 – The lengths we go through, Moorr webinar & a listener message!  
  • 7:29 – Mindset Minute: Rich vs Poor Mindset 
  • 12:17 – Q1) How important is it that an investment property is fully funded by the time you retire? 
  • 14:13 – If you wait, you rob yourself of the power of…  
  • 15:47 – We need to understand THIS before we start 
  • 18:05 – What your investment property should look like in retirement  
  • 19:34 – Why property investing isn’t like stepping stones  
  • 21:29 – “Strategy has to be informed by cashflow 
  • 23:53 – Q2) Investing at 64 
  • 24:50 – Work back from your needs 
  • 27:39 – Considerations for older investors 
  • 28:13 – Why market cycle timing is important 
  • 30:13 – Access to funding & lenders  
  • 34:41 – Q3) Multiple IP’s already and wondering what to do next? 
  • 35:42 – Why intention matters!  
  • 36:42 – Should Matt live off equity?  
  • 38:46 – How to figure out what is possible 
  • 39:49 – When rates or costs of living go up, how does it affect a Living Off Equity strategy? 
  • 41:57 – This is a perfect “What if” example 
  • 44:06 – The 4 Expense Categories  
  • 45:59 – What living off equity means  
  • 46:45 – Listener Tale: The Importance of Property Management 
  • 50:42 – You either pay with money or time!  

And… 

  • 52:13 – Lifehack: With or Without Me energy  
  • 55:22 – WMPN: Moving the dial for women!  

Exit Strategy

Please Note: This episode is a re-run. The original air-date was on August 6, 2015. 😊   

“Begin with the end in mind.”
Stephen Covey  

In this week’s bonus episode, we’re rewinding the clocks and revisiting a past episode that covers a core strategy every investor should have…    

Your Exit Strategy  

From the “Buying and Holding” to the “Buying and Selling” strategy, we’re exploring the many ways an investor can leave the property market and which approach works best under certain conditions.    

Plus, tune in to hear how you can easily calculate the cost of your lifestyle (thereby how much you need to retire), understand the math behind reverse mortgages and learn: How realistic is the living off equity strategy?   

An old episode that covers an evergreen concept, tune in now folks!   

 

Free Stuff Mentioned

 

Timestamps

  • 0:00 – Exit Strategy  
  • 1:58 – Where this episode came from  
  • 5:21 – Living off Equity   
  • 8:03 – “A goal without a date is just a dream”  
  • 9:57 – What fulfils you?    
  • 12:07 – How to calculate the cost of your lifestyle  
  • 14:22 – Buying & Holding   
  • 16:05 – Buying & Selling  
  • 19:40 – How realistic is living off equity?   
  • 20:18 – Reverse Mortgages   
  • 23:29 – This is Nirvana for Bryce   
  • 25:38 – Why most investors only need 3-5 investment properties    
  • 27:05 – Is Fractional Selling the Future?   

 

450 | Thriving After Divorce – Rebuilding Wealth & Renewing Spirit – Chat with Adam Crane

It’s that time of year again, folks! Today marks the exciting beginning of our highly anticipated 2023 Winter Series. 

Get ready for an extraordinary lineup of guests, each with their own awe-inspiring stories that revolve around this year’s captivating theme: “What Drove You To Act.” 

Drawing inspiration from those pivotal moments we see in movies, the light bulb moments and “A-ha” breakthroughs, we delve into the driving forces behind every successful investor’s property journey. 

We kickstart this incredible series with our first guest, Adam. Join us on this transformative journey as we uncover the importance of prioritizing the “big rocks” in the jar of life. We’ll flip the pages and delve into strategies for building resilience, even when confidence takes a hit. 

We navigate the complexities of finances with insights on the “sleep at night tax” and the power of compromise and sacrifice. We’ll confront the venomous obstacles that can hinder progress and emphasize the crucial role of honesty and openness. 

Prepare to wade through murky waters, armed with the tools and knowledge to come out stronger on the other side. Reflecting on our experiences takes courage, however, Adam reminds us that amidst the challenges, it’s essential to enjoy yourself and reward your efforts when times are good. 

Join us as we unlock the potential of sonic tools and discover why a poor man pays twice. And of course, we’ll sprinkle in some light-heartedness with a mention of Spaghetti Bolognese. 

Tune in now or watch the episode below

 

 

Here’s some of the gold we cover… 

  • 1:53 – Welcome to our Winter Series and our first guest Adam Crane
  • 7:50 – Living within your means
  • 8:20 – Modelled on delayed gratification
  • 10:35 – The cut-off
  • 12:40 – FOMO fed my savings
  • 16:35 – If my bank account is good, I sleep better
  • 22:00 – The paradigm shift
  • 22:45 – What to expect with unexpected life events
  • 23:00 – THE BIG ROCKS IN THE JAR!!!
  • 23:50 – Point of weakness or point of strength?
  • 24:35 – Gaining back the 1%
  • 25:30 – Resilient building
  • 27:05 – Taking a confidence hit
  • 28:40 – Harder to tap out
  • 29:45 – Sleep at night tax??
  • 30:35 – Compromise and sacrifice
  • 31:20 – Easy to say, much harder to practise
  • 31:30 – Venom that exists
  • 32:20 – Honesty and openness is key
  • 33:10 – Through murky waters!!
  • 34:10 – Takes a bigger person to look back
  • 41:00 – What a side hustle…. Sonic Tools, check it out 
  • 42:14 – Obsessed with the surplus number
  • 42:22 – A poor man pays twice….
  • 44:55 – Spaghetti Bolognese….
  • 46:50 – Why you must enjoy yourself too!!!
  • 49:00 – When times are good, you must reward yourself!
  • 54:05 – The trap you fall into
  • 58:30 – Money hacks

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. 

 

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