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483 | Housing is Undersupplied, So WHY are Home Values Falling? – Chat with Eliza Owen

By in Podcast, Property Investment

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In this week’s episode, we’re welcoming back an incredibly passionate and eloquent data analysis and reporting expert who is ALSO a returning guest. Please welcome back… 

Eliza Owen, Head of Residential Research Australia at CoreLogic!    

With her experience as a housing market researcher spanning nearly a decade, Eliza has reported on many of Australia’s critical housing issues, from affordability and credit conditions to the impact of the COVID-19 pandemic on market performance. 

In this episode, we’ll use her brilliant insights to explore precisely WHY we see the numbers in today’s property market, like…   

🏠 With Australia facing an undersupplied housing crisis, why are some market values still falling?!    

📉 How is the housing market defying economic predictions?    

🔄  And what’s going on with the inverse relationship between property values and interest rates?!    

Listen now to find out!  

  

P.S.  Stay tuned till the end for a sneak peek at CoreLogic’s webinar with Eliza & Effie Zahos, celebrating International Women’s Day and all the women in property. 🎉 

 

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Graphs mentioned

Timestamps

  • 0:00 – Housing is Undersupplied, So WHY are Home Values Falling?  
  • 1:32 – Our 9th Birthday, can you help us + PICA Webinar Replay  
  • 4:09 – Mindset Minute: The Paradigm for Investors 
  • 9:17 – Welcome back Eliza Owen!  
  • 10:40 – Recap & Money Backstory  
  • 12:05 – Eliza has never used a credit card: Financial conversations & emotional responses to money 
  • 16:48 – Why she decided to buy a unit over a house!  
  • 21:56 – If housing is so undersupplied, why are some markets falling in value? 
  • 24:35 – How does changing family and renter demographics affect demand?  
  • 27:46 – The social problem with housing  
  • 30:18 – What is True Demand?  
  • 31:44 – If interest rates go down, will APRA’s 3% buffer rate go down  
  • 32:50 – How the housing market is defying economic indicators 
  • 33:43 – The inverse relationship of property values and interest rates  
  • 36:48 – 25.6% of properties purchased in cash?!  
  • 38:22 – The masterstroke in Western Australia’s market  
  • 41:24 – Are we seeing green shoots?  
  • 44:05 – How much of what we saw in 2023 is due to behavioural economics?  
  • 45:31 – If rates don’t pause, will more homeowners be forced to sell?  
  • 48:46 – The changing gap between housing and units 
  • 54:08 – The Substitution Effect: The Buyers of 2015/16 
  • 59:11 – Why CoreLogic’s “Women & Property” report matters 

And…  

  • 1:05:09 – What a fantastic session, thank you Eliza!  
  • 1:07:44 – Lifehack: How to stop feeling overwhelmed when juggling life  
  • 1:10:52 – WMPN: Greens going to vote against Labor’s Home Deposit Scheme 😮  

 

RBA Cash Rate Feb 2024 | Shifting Tides: Exploring the Global Influence on Australia’s Economy in 2024

By in Podcast, RBA Announcement

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Welcome to the first RBA Rate Announcement of 2024, a year that heralds a fresh and insightful approach to our economic updates! This year, we’re thrilled to announce a dynamic new partnership: Ben will be teaming up with Evan Lucas for all future RBA insights. With this powerhouse duo at the helm, you can bet we’re diving far beyond the basics.

Evan Lucas isn’t just any analyst; he’s a titan in the world of economics (and he’s appeared multiple times on our show!) As the author of the best selling book, “Mind Over Money: Why Understanding Your Money Behaviour Will Improve Your Financial Freedom,” Evan brings a wealth of experience as a market strategist and a fervent passion for investment. His keen insights promise to enrich our understanding of Australia’s economic landscape like never before.

Together, Ben and Evan will take us on a deep dive into the undercurrents and nuances of Australia’s economy, shedding light on the forces shaping our future.

In this month’s video, they tackle several pivotal topics:

  • The Global Giant – Dissecting the US Economy: The US economy acts as a barometer for the global financial climate. Our experts dissect its latest GDP growth rates and Federal Reserve decisions to uncover how these factors ripple across the globe, impacting Australia directly.
  • Navigating the Waters of Global and Domestic Inflation: The spectre of inflation has loomed large over economies worldwide. Ben and Evan explore whether inflation remains a pressing concern or if recent trends suggest it’s receding into the rearview mirror. #Finally
  • Employment Data – Decoding the Numbers: The duo delves into the complexities of employment data, advocating for a closer look at underutilization rates as a more telling indicator of the job market’s health than traditional metrics might suggest.
  • Forecasting Australia’s Economic Voyage: Armed with data and insights, our hosts chart the course of Australia’s economic journey through 2024. They assess the potential challenges and opportunities that lie ahead, asking: will we navigate calm seas or face turbulent waters?

Will 2024 be a year of contrasts? As we look ahead, Ben and Evan discussed whether 2024 will unfold as a year marked by starkly different halves. What will the coming months bring for the RBA’s cash rate, market dynamics, and property trends?

Now, what are you waiting for? Let’s delve into this month’s update!

 

 

 

 

474 | From Childhood Stocks to City Shocks: How He Escaped Bad Investing Advice! – Chat with Bailey

By in Podcast, Property Investment, Summer Series

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It’s our final episode for the year and folks, we’ve saved one absolutely inspirational tale to finish 2023.   

As a hint of what’s to come, Bailey – today’s articulate Summer Series guest – invested $500 into Westpac shares at the age of 10.  

While this one action already sets him aside, Bailey isn’t special just because of his remarkable approach to investing but because of one skill that, as described by Ben, is “one of the greatest skills to learn in life”.  

If that isn’t a cliffhanger folks, then we don’t know what is. 😉  

Tune into this fascinating episode to find out what sets this 24-year-old apart from the rest, how he bought his first property at the young age of 21 and to hear the heart-warming reason why he decided to speak out and come onto the couch.  

This guest has Ben and Bryce completely rapt. Seriously, give it a listen now folks 😊🌌✨ 

 

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Timestamps

  • 0:00 – From Childhood Stocks to City Shocks: How He Escaped Bad Investing Advice! 
  • 1:38 – Welcome Bailey!  
  • 2:21 – Growing up with a money-savvy mum  
  • 6:47 – How he started on his financial future from 10 years old!  
  • 10:39 – What sparked his love for investing?  
  • 12:16 – Bailey’s lifehack while his friends were at university  
  • 15:12 – What he did with all his savings 😲 
  • 17:41 – THIS is one of the biggest lessons in life…  
  • 21:03 – How did it feel when he bought his first property (You’d be surprised by his answer😉) 
  • 25:38 – He’s now stopping and smelling the roses – here’s how!  
  • 27:35 – Bailey’s paradigm shift  
  • 31:05 – Beware the enthusiastic amateur!  
  • 35:15 – These were the biggest lessons he learnt…  
  • 37:26 – Why it was actually good that he had a bad experience!
  • 41:14 – His pathway to becoming borderless!  
  • 43:19 – Why is rent-vesting right for him?  
  • 46:28 – Bailey’s North Star ⭐  
  • 50:32 – What drove him to speak on the couch?  
  • 51:39 – The secret to goal setting  
  • 55:11 – How he’s navigating two extreme interest rate environments 
  • 58:21 – Thank you Bailey! What an articulate and inspirational person 😊  
  • 1:01:25 – Here’s a challenge to Bailey’s mates 

 

473 | Juggling Teenagers, Divorce, and 4 Properties: How This Single Mum Conquered Her Financial Pain – Chat with Leisa

By in Podcast, Property Investment, Summer Series

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It’s no secret that maintaining a multi-property portfolio in a high-interest environment is hard. Now add in a difficult divorce and raising two teenagers in the most expensive phase of their lives and well…

You have the incredibly motivational and heart-warming story of Leisa, this week’s brilliant Summer Series guest. 

From her initial plan to own 10 properties (yep…things really have changed since the times when “he who dies with the most properties wins!”) to the revolving door of properties she’s bought and sold to juggle cash flow…

We follow Leisa on her jaw-dropping journey as she navigates holding onto her 4 properties, is blasted with a $15,000 levy fee, manages mortgage prison and much more on her journey to passive income retirement.

An inspirational tale for all, we hope Leisa’s story will inspire – particularly the middle-aged folks out there or solo supermums – who fear it’s too late for them to get onto the property ladder. Please just listen to this episode!

P.S. Merry Christmas folks! From Bryce, Ben & the team of Stigs, we hope you have a very safe and festive break 😊🎄🎅🎁

 

Free Stuff Mentioned

 

Timestamps

  • 0:00 – Juggling Teenagers, Divorce, and 4 Properties: How This Single Mum Conquered Her Financial Pain 
  • 1:34 – Welcome Leisa!  
  • 2:48 – The family decision that changed her life…  
  • 4:41 – Her eye-opening money experiences at boarding school 😮  
  • 8:33 – First jobs and her foray into property  
  • 11:09 – The 1st money management system she had  
  • 12:38 – How did she learn her money values?  
  • 13:51 – Buying Property #1  
  • 17:29 – Struck by a $15,000 levy – with no benefit?! 🙁  
  • 20:57 – Why did she choose a unit over a house?  
  • 22:13 – Property #2 and the family home!  
  • 24:13 – Selling a property, sheriffs & maternity leave… 
  • 28:05 – An original plan of 10 properties?!   
  • 31:00 – 6 properties in 5 years! 😮  
  • 34:25 – The Divorce: Just 12 hours to switch from joint to sole ownership!?  
  • 37:02 – THIS is how she continued to finance her property portfolio  
  • 42:01 – Why having aligned money values is SO critical!!  
  • 46:47 – Caught in mortgage prison & navigating a rising rate environment  
  • 48:52 – Getting creative with solutions  
  • 52:40 – Reworking her cash flow through tax!  
  • 54:22 – How to become problem aware (aka. Why most people DON’T achieve a self-funded retirement)  
  • 57:58 – Property as a financial backbone  
  • 1:00:08 – This is an absolute success story 😊  
  • 1:03:55 – Why did Leisa come onto the couch?  
  • 1:06:33 – Thank you Leisa! What an incredible story.  
  • 1:07:25 – For those holding, use this to see how long your money will last.  
  • 1:10:35 – Merry Christmas folks!!

 

471 | How He Built His $2.3M Property Portfolio After Leaving School At Just 16 – Chat with Ethan

By in Podcast, Property Investment, Summer Series

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Folks, today marks the first episode of our much anticipated 2023/24 Summer Series!

We’re extraordinarily excited to sit down with some amazing listeners and dig into their money story, explore the steps they took to build their property portfolios and ultimately unpack the intriguing question (which is also the theme of this series…)

“What does money mean to YOU?”

As our 6th Summer Series, we’re spending this season digging deep into the psyche of the investor, understanding what motivates us ultimately as humans and understanding how we can use this knowledge to bolster us on our property journeys.

To start us off, we’re welcoming an incredibly hardworking and humble guest who realised at a young age that if he wanted anything in this life, he would have to make it happen himself. 

Ethan, today’s Summer Series guest, grew up with a younger brother with Down Syndrome and at just 16 years old,  was diagnosed with depression. Knowing that the school teaching system wasn’t working for him, he left school shortly after.

Over the next 14 years, Ethan has completely transformed his circumstances and now owns a 5-property portfolio worth 2.3 million dollars. 🤯

Tune in to discover how he bought his first property at 18 while earning apprentice wages (He was on $6 an hour folks!), why he continues to invest in Wodonga and the benefit of having a strong network and great tenants.  

Ethan was recently diagnosed with Aspergers, adding another layer to his incredible journey.    

 

Thank you for blasting off our 2023/24 Summer Series Ethan, what a truly motivational tale that showcases the importance of hard work and highlights that young people can get onto the property ladder! 

 

 

Free Stuff Mentioned

 

Timestamps

  • 0:00 – How He Built His $2.3M Property Portfolio After Leaving School At Just 16
  • 1:40 – Welcome Ethan!  
  • 2:39 – Money background & growing up with a brother with down syndrome  
  • 4:58 – The pivotal moment with Dad that transformed his world  
  • 8:35 – Same circumstances, two very different responses  
  • 10:35 – How was Ethan affected by his recent diagnosis?  
  • 11:40 – The life changing reason he left school  
  • 13:21 – Ethan’s golden advice to those who don’t thrive in the school system  
  • 16:09 – “You save for a house; you won’t have to pay for…”  
  • 17:35 – He’s NEVER used spreadsheets. Here’s how he budgeted instead. 
  • 18:44 – He was on $6 an hour?!?  
  • 19:15 – How no social media actually benefitted Ethan!  
  • 20:52 – How his Aspergers has helped him on his property journey 
  • 22:10 – The first property he bought at just 18!?  
  • 23:58 – Moving into his property & the wild gap year  
  • 26:48 – A death, using community brokers & his next property purchase  
  • 30:08 – Renovations and flipping properties 
  • 31:55 – Buying at Mortgage Auctions and the true benefit of networks!  
  • 33:51 – Ethan has always based his calculations on THIS… 
  • 34:49 – Why Ethan keeps choosing Wodonga  
  • 38:47 – Renovating his PPOR and his most recent property purchase  
  • 40:55 – The property he bought… from his neighbour?! 
  • 42:45 – Having great tenants (including one who’s renovated his property!)  
  • 45:20 – How has interest rates affected him?  
  • 47:19 – What does money mean to Ethan? (+ his next steps)  
  • 50:36 – The total value of his portfolio!  
  • 51:30 – Why did he decide to come onto the podcast?  
  • 53:02 – Relocating to Regional Towns: Benefits & Integrating into communities  
  • 57:13 – Thank you Ethan! What an awesome way to kick off our series! 🤗  

 

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