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. 



  • 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!  


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

481 | Property Market Outlook 2024


It’s everybody’s favourite time of the year…  

(No, it’s not Christmas. Or your birthday. Well, it’s actually OUR birthday month and we’re giving you a present: Our Free Suburb Report 😉) 

It is, however, that time of year when we bring you…  

Our 2024 Property Market Outlook!   

Using expert data from the past 12 months and our own countless years of experience, we’re covering…  

👉 The headlines we saw in 2023 (and the #1 biggest derailer the Gov didn’t expect) 
👉 Why did we see housing prices soar? (With economic insights)
👉 The Big Focus of 2024, plus the one critical number the RBA is waiting to change before interest rates drop

👉 Where will the plane land? Interest rates, inflation figures & the easing cycle  
👉 What investors want to see in business investment data
👉 The Supply Story: What data reveals about future sale and rent volume   
👉 The downside risks and critical upsides in 2024
👉 Will property prices grow over the next 12 months?  
👉 The Rental Story: Will the crisis continue?  
👉 The most challenged markets and what markets we predict to see growth in!  
👉 Rental Rises: Who are the price makers and takers today?      

Tune in now to hear us honestly assess the past predictions and forecast the future of Australia’s housing market! 


P.S. The Property Investors Council of Australia (PICA) needs support! As mentioned in “What’s Making Property News”, PICA is a not-for-profit organisation that gives property investors across Australia a voice. Any membership or donation helps. Become a member, donate or find out more today >>   


Free Stuff Mentioned

  • Our Birthday Present to You: Free Suburb Report 
    Go one level deeper than our Property Market Outlook. Learn how your suburb has performed and its changing community and properties. ‘Cos it’s our birthday month, we’re also giving it away for $0 (Usually RRP $40)   
  • Share what’s on your mind through our SpeakPipe: Leave us your raving reviews, little lifehacks and burning questions – and if we mention it on the podcast, you’ll get a free Start & Build course as our thank you 😊   



  • 0:00 – Property Market Outlook 2024 
  • 1:39 – Free Suburb Report  
  • 5:29 – Thank you, Muzzaaa (Let us know what’s on your mind & get a free Start & Build course!)  
  • 6:27 – Mindset Minute: There are two ways to use money… 
  • 7:14 – What happened in 2023?  
  • 10:07 – Why have housing prices soared?  
  • 11:37 – Last year, we got THIS wrong…  
  • 12:20 – The Water Wheel is slowing 
  • 14:44 – The big headline of 2024 
  • 15:07 – What we want to see in Business Investment data 
  • 17:15 – Are businesses and government still splurging on spending?  
  • 18:45 – The number that needs to change before interest rates drop… 
  • 21:27 – The drivers of demand  
  • 23:51 – Our assumptions  
  • 26:32 – The dangerous derailers  
  • 27:29 – The supply story: What the data reveals about future sales and rent volume  
  • 30:01 – New financing for investors & owner-occupiers 
  • 32:51 – The incoming storm: The #7 downside risks 
  • 35:38 – Here’s the exciting upsides!  
  • 37:06 – Buyer Demand across Australia 
  • 38:59 – Days on Market & Vendor Discounts: What do they signal?  
  • 41:32 – Use THIS sophisticated tool for predicting growth…  
  • 43:53 – Good signs for property prices  
  • 45:31 The rental story: Will the crisis continue?  
  • 48:12 – The most challenged markets 
  • 50:29 – Let’s consolidate: Big 4 bank’s outlook & what markets we predict to see growth 
  • 53:38 – The Commuter Belt is driving… 
  • 54:44 – Why Melbourne is a challenged market  
  • 58:56 – Predictions for Sydney  
  • 1:01:38 – Our advice for 2024  


  • 1:05:44 – Lifehack: Sleep is the best meditation. Here’s how to ease yourself into it.
  • 1:09:57 – WMPN: Help give investors a voice through supporting PICA 


456 | Australian Housing Market Update: 2023 Mid-Year Report

Want to know the hottest upcoming markets as we round off 2023?  

Or why the housing market is actually just like…a Waterwheel?!?  

Yep. It’s that time of year again folks! We’re sitting down to unpack everything we’ve seen in 2023 so far, why we’re seeing it, and how you can end your year on a high thanks to our Mid-Year Property Outlook! 

From where the cash rate landed (Were our predictions right??) to our forecast for property prices and the biggest reasons why you shouldn’t be focusing on the super macro story, this episode is packed with TONS of topical insights and expert data.  

Plus, we’re covering gold like the biggest enemies of future market growth, the markets that are set to BOOM or BUST and the important upcoming market test that you’ll definitely want to get in before…  

Tune in now to find out what it is and get a super accurate and timely crystal ball reading of the future!😉  


P.S. Be sure to tune in to Bryce’s Mindset Minute which explains the secret truth behind a lot of our buying behaviour as consumers. Seriously, “The Man in the Car Paradox” will blow your mind!  


 Give it a listen now or watch the Episode below! 


Free Stuff Mentioned… 


Here’s some of the gold we cover… 

  • 1:21 – Women’s World Cup, Winter Series and Where the Market is Going!  
  • 6:50 – Mindset Minute: The Man in the Car Paradox  
  • 12:48 – Our January 2023 Thesis  
  • 14:19 – The UPDATED Thesis: Where did the cash rate land?  
  • 15:25 – Recreational spend is starting to crash?!  
  • 16:46 – What we didn’t factor in….  
  • 18:48 – The Waterwheel Analogy  
  • 21:14 – The Fiscal Policy: The simple way to understand what’s happening…  
  • 25:38 – Has Business investment started to dry up? 🙁  
  • 28:09 – How to Grow the Pie!!! 
  • 29:29 – Relying on the Government is NOT a plan 
  • 31:42 – The Goldilocks Spot for inflation  
  • 36:01 – Where are we going from here?  
  • 37:03 – The data is saying there will be a ____ in new listing numbers  
  • 38:16 – Trends and opportunities in the market!  
  • 39:45 – Don’t get caught up in the SUPER MACRO. Here’s why… 
  • 43:25 – The positive property growth story 
  • 45:31 – The market bottomed out here…
  • 46:04 – THESE are the enemies of growth! 
  • 47:19 – Why the buffer rate is breaking the market!  
  • 50:01 – Do we really want to poke the bear? 🐻 
  • 51:17 – The Battle of the Rental Freeze & Risk of Stubborn Inflation 😮  
  • 53:10 – Changing the Narrative  
  • 56:29 – The real test: You want to be in BEFORE this!  
  • 58:18 – Herd Mentality & taking advantage of the Market 
  • 1:00:07 – How to be opportunistic when others can’t!  
  • 1:00:50 – Who SHOULDN’T PLAY? BOOM? BUST? 
  • 1:01:57 – Beware of the return of spruikers!  
  • 1:02:32 – Folks, you should still avoid THESE plans… 
  • 1:03:32 – Avoiding certain markets like the plague  
  • 1:06:33 – Life Hack: How does the Man in the Car Paradox affect you 
  • 1:07:54 – What’s Making Property News: ‘Tis the season of inquiries…   


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


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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. 


435 | Should I Sell or Hold Right Now?!

With today’s unpredictable and rapidly changing market, how does one know the best investing pathway for them? 🤔😕😵‍💫  

Like, how can this couple ensure they stay in the property game long term when they’ve overreached on their first property?  

Should this couple, who have plans to live overseas, look to buy an investment property or home first?!  

Or how can one, who’s burdened with debt and trapped in an “investing is for rich people” mindset, escape this negative spiral?!   

Folks, this is just a snapshot of today’s episode which is focused on sharing REAL stories from real clients who’ve come to us to optimise their investing journeys – especially in today’s turbulent market.  

We’ll be giving you an insider’s look at the tactics that are involved in planning, covering how our highly qualified and experienced advisors navigate and propose their solutions, so you can do it with your own journey.  

Yep. We’re baring it all.  

Tune in now to get a behind-the-scenes look at how the experts do it!  


P.S. If you hadn’t heard yet…you can now watch this episode on Youtube! Click here or on the video below now >>

Free Stuff Mentioned… 


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


Here’s some of the gold we cover… 

  • 0:00 – Massive incoming gold!  
  • 1:23 – Bryce has no heckles left to give…😉 
  • 3:47 – The origins of this episode  
  • 5:28 – Mindset Minute: Reaching the finish line is easy. The messy middle however…  
  • 12:34 – Scenario 1: How To Stay In The Game Long Term 
  • 15:18 – The #2 reasons Ben loves this story so much  
  • 18:07 – Is it really investment-grade for you?  
  • 20:24 – Scenario 2: First Home vs Investment Property 
  • 21:59 – Exploring Rentvesting as an option  
  • 24:22 – THIS was actually the better solution for them… 
  • 26:35 – Scenario 3: Should I Sell or Hold Now?!  
  • 28:41 – Where recycling costs + borrowing capacity comes in to play  
  • 30:29 – Behind-the-scenes: How we solved this!  
  • 33:58 – We haven’t rattled this off for a while…  
  • 36:22 – Scenario 4: Debt Burden 🙁  
  • 38:40 – How she consolidated and overcame these debts  
  • 41:33 – Set your home on stone, folks!  



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. 


430 | 17 Properties & Counting: How To Play The Long Game – Chat with Damian Collins

Folks, we don’t usually focus on just ONE state, but considering it makes up 33% of Australia, we thought we’d make an exception… 😉   

Yep. If you haven’t guessed yet, this episode is all about investing for the long term in Perth, Western Australia. (aka. Bryce’s hometown!)   

And who better to help us unpack the WA Market than one of the state’s OGs (and returning Property Couch guest) Damian Collins, Founder and Managing Director of Momentum Wealth!  

He’s also the Chairman of Westbridge Funds Management, has been on the Council of the Real Estate Institute of Western Australia (REIWA) since 2011 and served as President of the Institute from 2018 to 2022 (phew!)   

An active property investor himself, Damian also owns 17 properties in Western Australia!!  

Basically…he’s the property guru to talk to when talking all things west coast, and since our last catch-up, the market’s changed A LOT. 

We’re covering whether Perth is no longer just “a one-trick pony” (aka. A boom-or-bust mining town) and honestly… 

Why we think it’s about to boom!!  

Yep. You heard it here first folks. 😉 From the construction challenges WA has been facing to why “regression to the mean” should mean something to you, we’re giving you an updated and in-depth guide to investing in WA.  

Plus, tune in to hear Damian’s money backstory, the one passion that set him on his current trajectory today and how he kept his cool during COVID and rising interest rates.  

Tune in now!  


Free Stuff Mentioned… 


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


Here’s some of the gold we cover… 

  • 0:00 – We’ve landed a (returning) big fish today folks! 
  • 1:58 – Massive Resources Incoming: FB Lives, a future Moorr video & a PICA Webinar?!  
  • 7:37 – Mindset Minute: Success is hard because it requires…  
  • 9:10 – Re-introducing return guest, Damian Collins!  
  • 11:41 – Damian’s Money Story: Chickens, a recession and his inspiration to invest early 
  • 16:57 – This passion set Damian on this current trajectory…  
  • 19:12 – “Fortune favours the brave”: How Damian made his first investment 
  • 21:22 – From building his portfolio to starting Momentum Wealth  
  • 26:14 – Damian’s sentiment toward rising interest rates  
  • 29:29 – Was he tempted to sell a property during COVID!??  
  • 31:59 – The psychology trap many investors fall into during market cycles  
  • 35:57 – Why Perth’s prices are sitting where they are!  
  • 42:01 – Should Perth still be seen as just a mining town? 
  • 46:20 – If you’re in this position, Damian recommends investing in Perth… 
  • 48:30 – Regression to the mean: Why it should mean something to you!  
  • 49:43 – Why should you be investing in Perth today?  
  • 53:10 – The Critical Construction Industry Challenge  
  • 54:06 – Psst…Astute or borderless investors, listen to this part 😉  
  • 56:45 – Investing in Commercial property (+ Damian’s solution to remove barriers of entry for everyday folk)  
  • 1:01:04 – The class Damian likes to invest heavily in…  



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