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

By in Podcast, The Armchair Guide to Property Investing

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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 Podcast – The 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…

 

 

 

 

433 | Scary Ugly, Spendvesting & Turning an Ugly Duckling into a Swan – Chat with Evan Lucas

By in Podcast, Property Investment

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Humans are not rational creatures.  

Especially when it comes to our finances (I bet we’ve all got a story or two about that impulse buy 😉).  

So how can we identify and navigate our natural human biases and emotions around investing and risk?! 

Folks, in Episode 433 we’re exploring all of this and more as we dive into the fascinating topic of behavioural finances with the help of returning podcast guest and ultimate money mindset guru, Evan Lucas! 

Author of the best-selling book Mind Over Money: Why understanding your money behaviour will improve your financial freedom, he is also an experienced market strategist and super passionate investor! 

From exploring the most common human biases in the finance world to how you can conquer and embrace risk and scary emotions when investing, we’ll also be unpacking:

💰 How to avoid the biggest derailer of investing success 

💰 The evolution of instant gratification across human history   

💰 Your ultimate solution for making investing decisions  

💰 Understanding Hyperbolic Discounting, loving the Scary Ugly & more!  

💰 Why Spendvesting might just be the smartest solution for investors!  

💰 Rational economics: It just doesn’t work! 

💰 And of course, while we have Evan’s bright mind on the couch, we’re deep diving into everything going on in the market today from Super to rising rates.  

Yep, it’s another MASSIVE episode – give it a listen now!   

 

P.S. Thank you to all those folks who left us a 5-star review on our Moorr platform and in our apps! If you’ve given us a written review, email us now to claim your free Start & Build course!  

 

Free Stuff Mentioned… 

  • 6,000 reports generated?! Our 8th Birthday surprise to you (We gave away our Suburb Report for FREE (Usually costs $39)) was SO popular we’ve decided to extend it by 1 more week!
    How To Claim Yours: Click here and enter the Coupon Code: TPCBIRTHDAY. Limit 5 per person. To ensure you are not charged, please purchase a single Suburb Report x 5 times. If you add 5 Suburb Reports into one cart purchase, you will only receive a $39.00 discount. Hence purchase one report at a time please 🙂 This offer expires on 16th March 2023.
  • Worried about rising rates? Stress-test your finances with Moorr. Create or log in to your free account on our online platform or download the app on Apple or Google Play today! 
  • Check out Ben’s newest Moorr tutorial video here >> 
  • For those who left us a 5-star written review in our Moorr app – Thank you! Email us to claim a FREE Start & Build course today 😊
  • (NOT FREE) Check out Evan’s awesome new book, “Mind Over Money: Why understanding your money behaviour will improve your financial freedom” here >> 
  • Watch Ben’s latest RBA update here >>  
  • Read RBA Gov. Phillip Lowes’ speech here >>  
  • Read the article from Ben’s “What’s Making Property News?” here:  

 

 

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

 

Here’s some of the gold we cover… 

  • 0:00 – All the awesome stuff we’re covering today!  
  • 1:29 – Hawkish to…Hopeful?! Yep, it’s another rate rise (Check out Ben’s latest RBA update!) 
  • 3:48 – Leave us a written 5-Start Review in our Moorr platform and claim a free Start & Build course! ⭐⭐⭐⭐⭐ 
  • 4:37 – EXTENDED: Free Suburb Reports!  
  • 7:53 – Mindset Minute: To crave the result but not the process, is to guarantee… 
  • 9:27 – Welcome back Evan!  
  • 11:27 – The Mindset Shift: Why seeing yourself as an investor is important!!  
  • 15:16 – Clashing cultures & money conversations  
  • 18:46 – The evolution of instant gratification  
  • 20:49 – THIS is the biggest decision we make as investors today… 
  • 21:39 – Hyperbolic Discounting: The opposite of what you’re probably expecting!  
  • 25:06 – Investing is all about conquering your E_o_io_ _ (+ most common human biases!)  
  • 27:51 – Why rational economics just doesn’t work! 😲 
  • 30:32 – The FIRE community: Weighing up rational vs. reasonable 
  • 32:39 – Use THIS solution for making investing decisions  
  • 36:21 – The most notorious human bias in the finance world!  
  • 39:27 – Loving the Scary Ugly 
  • 45:24 – The power of loss aversion + embracing investing risks
  • 49:15 – For those worried about their finances: Stress-test your finances with Moorr! 
  • 50:28 – This is how Ben developed his “muscle memory”!  
  • 52:11 – Spendvesting: How to use it to your advantage 
  • 57:59 – You Are You, I Am Me.  
  • 59:28 – Seriously folks, check out Evan’s book for some timeless investing wisdom! 
  • 1:02:09 – Are we close to an interest rate pause + crystal ball predictions!!  
  • 1:07:06 – Are the changes to Super smart? (WARNING: This part gets pretty heated 😉) 

And…  

 

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. 

 

428 | What is your WealthSPEED?

By in Podcast

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Why do folks struggle with good money management?   

It’s a huge question. Now here’s an even bigger one… 

How can they overcome it?!   

Yep. We’re kicking off February with some pretty big and bold content!

With many new year’s resolutions fading into the background of life as January comes to an end, we’re aiming to give you an extra boost of motivation by diving into the 3 biggest causes of bad money management (do you fall into any of these?) and revealing how to tackle and triumph these challenges in 2023!  

And since this podcast is all about giving you the insider’s guide to property and money management, we’ve got 3 special gifts from our Moorr money management platform to help you do just that…

Introducing the WealthSPEED, WealthCLOCK and WealthTRACKER.   

Tune in now to find out how these next-generation financial tools will transform the way you view and control your money and let us know your answer to today’s questions…

What is your WealthSPEED??  

(Leave your answer on our socials or send us a message 😉!) 

 

P.S. Want to learn more about these awesome tools? Check out our Moorr Wealth Dashboard “handbook” here >>  

 

Free Stuff Mentioned… 

  • Want to know your WealthSPEED? Find out by visiting Moorr’s web platform, or download the app on Apple and Android and completely transform your understanding of wealth-building today.
  • Learn more about WealthSPEED, WealthCLOCK & WealthTRACKER here >> 
  • [Free Book] Make Money Simple Again: Learn the foolproof money management system we talk about in this week’s episode. We promise you’ll find a surplus in your bank account every single month. Get your copy here >>
  • Exclusive Masterclass: We’ve been receiving so much positive feedback on our new Masterclass! (Thank you to all who’ve attended so far.) Learn the #3 secrets behind building a property portfolio and retiring on $2k a week today by reserving your seat here >> 
  • Sign up to our YouTube Channel: 2023 is the year we’re going to start pumping out tons more educational content! Stay in the loop by joining our YouTube community and be the first to know. 😊
  • Listen to Ep 200 | Paul Clitheroe – Timeless Wisdom from the Original “Money” Guru 

 

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

 

Here’s some of the gold we cover… 

  • 0:00 – Welcome back 😊  
  • 1:14 – Wow, what a series! (+ what’s in store next week…)  
  • 3:59 – February is the perfect space for this. 
  • 5:25 –🚨 Your internal trigger is a powerful thing folks! 🚨  
  • 14:24 – The 3 things you’ll discover in this episode  
  • 18:12 – Why most households are challenged by good money management (Reason #1)
  • 22:22 – Reason #2 – This goes back to what Ben says EVERY episode!! 
  • 25:54 – So, why don’t we learn this at school?!  
  • 30:03 – Reason #3 (aka. The biggest reason why people don’t achieve financial peace)  
  • 33:16 – Subjectivity is where the danger lives folks!  
  • 36:03 – …and THIS is what you gain!  
  • 38:37 – The money management system we started with and still believe in!  
  • 40:22 – WealthSPEED: Your Speedometer 
  • 41:45 – This is your Wealth Creation Car 🚗  
  • 44:28 – Why this is the ONLY financial metric you’ll ever need  
  • 46:51 – How it all began… 
  • 50:01 – WealthCLOCK: Your Odometer 
  • 51:22 – WealthTRACKER: Your GPS  
  • 53:19 – If you are like THIS, then these tools were made for you!!!  
  • 54:04 – How these tools help you SMASH bad money management!  
  • 59:04 – These are the kind of people we’re coming after!  
  • 59:52 – For our clients who’ve got a plan… 
  • 1:02:12 – We want to make money management as simple as possible so check out these resources too!  
  • 1:08:14 – Google Flights: Is it worth the hype? 

 

Discover your WealthSPEED today! Check out the Moorr web platform, or download the app on Apple and Android.  

 

401 | How Old is Too Old?! Refinancing, Retiring Debt & Starting Later in Life

By in Podcast, Q&A

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We recently hosted our first webinar in nearly 2 years and — WOW what a time! With nearly 1.4K attendees, we shared tons of investing gold and received so many fantastic questions that we couldn’t NOT turn them into a Q&A session today 😉

That’s why today we’re answering one of the most common Qs we received:

 

“How old is TOO old to start investing?!?”  

 

Like…how do Offset, Interest-Only & Principal Interest Only accounts work (in practical terms) to help you retire your debt? What are the fundamentals of Amortisation (we promise it’s not as scary as it sounds) and when are you too old to refinance a loan??  

We’re answering how you can use all of this to best position yourself for retirement, plus…

For single parents, Ben provides his #1 piece of advice to for building wealth into your retirement and we dive into diversification and buying the same suburb.  

So much to unpack, digest, and replay time and time again. Start streaming now for some evergreen content folks!!  

 

Questions We Answer…

Q1) Vaughan Nicholson on A question regarding retiring debt: 

I understand how filling up your offset account for your PPOR saves you a lot of interest and once offset is full you are only paying principal. 

The plan is then to increase money in offset account linked to investment property (IO loan) – I get that when that offset account is full then you are paying no interest on the loan. 

But what does that actually mean practically for an IO loan? Wouldn’t the bank still require the minimum repayment per month, irrespective of how much is in offset? Once you’ve filled your offsets, do you ever actually pay off the loan? Do you then switch to P&I as you’d be paying no interest? 

Thanks 

Q2) Stewart Cameron on Oldest age to reset to a 30 year loan 

[I’m] interested to know what the oldest age is that you can re finance to a 30-year loan? Assuming there is an age you hit where you can’t physically pay back the remaining debt…
If you’re in your 40’s will they still extend it out that long? 

Q3) Linoy John on Buying two properties in the same suburb 

Hi Bryce,
This question is for you as you were from Leeming. I have 2 properties in Willetton – 1PPOR & 1IP. Have I made a bad choice in purchasing a second time in the same suburb?
 

Q4) Stephen Moore on Investing for Single Parents 

At 47, renting and an income of 120000. Is it possible to be in the game to create wealth for a retirement? I don’t own a principal place but have savings of 180k.
Cheers, single dad 

 Some Listener Encouragement  

Hi Ben and Bryce.
My name is Arron, I was the one who purchased a Brunswick apartment in 2014, and contacted you with questions, then my story became Property Couch’s very first case study, in Episode 15!

I thank you both for the wisdom that you teach. 8 years on, I am still your regular listener, and I am still holding on that Brunswick apartment for cash flow. Although I have added one more townhouse into my portfolio 5 years ago.

 

Free Stuff Mentioned… 

 

Here’s some of the gold we cover… 

  • 0:00 – A snapshot of this week’s episode  
  • 1:58- If you’re new here, listen to this!!!  
  • 4:12 – How can you make your life matter? (Bryce’s Epiphany!)  
  • 9:34 – Q1) A question regarding retiring debt 
  • 10:26 – Amortisation: Let’s Break Down This Scary Word  
  • 13:30 – So, how often is interest calculated???  
  • 14:41 – Simple vs. Compounding Interest: How you can pay off your loan quicker!  
  • 16:30 – A Practical Guide to Offsets, Interest-Only & Principal Interest Only! 
  • 18:30 – When you would or wouldn’t use your offset to pay off your loan… 
  • 20:50 – Let’s Summarise!  
  • 21:54 – How can you place yourself in the best position for retirement?  
  • 23:59 – The Backstory to Q2 (Paying more interest…could actually be a good thing?!?)  
  • 26:59 – Q2) Oldest age to reset to a 30-year loan 
  • 27:23 – THIS is when you should be worried!! 
  • 28:04 – How lenders typically analyse older refinancing loans…  
  • 29:47 – Use this 1 thing to manage this minefield folks!
  • 31:10 – Our Answer: How old is too old to start investing??  
  • 32:26 – Q3) Buying two properties in the same suburb 
  • 33:04 – Let’s assess her Asset Selection 
  • 34:07 – How can you work in Diversification??  
  • 35:51 – Has she made a bad choice by buying in the same suburb?  
  • 36:53 – Refresher Class: The Fundamentals of Asset Selection!  
  • 38:59 – Q4) Investing for Single Parents 
  • 40:09 – Ben’s #1 Recommendation 
  • 43:37 – Why it’s so important to seek professional advice!  
  • 44:50 – Listener Encouragement: Arron – from our very first Case Study – is back!  

And… 

  • 45:45 – Why do we promote buying established properties? (This is a REAL message we received) 
  • 49:50 – Anxious about rising interest rates? Tune in here for a deep dive into the 2021 Census Data to allay those fears!  
  • 56:05 – Folks, remember these are actually amazing times for investors!!  
  • 57:14 – Mortgage Jail: Why is it happening?
  • 59:18 – Our Key Message for investing in today’s environment!  

 

399 | “I Just Wanted to Keep the Party Going!”: From Overcoming Addiction to a 4 Investment Property Plan – Chat with Alex

By in Podcast, Summer Series, Winter Series

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“It was almost considered rude in our family to be talking about how money is generated and how much of it is generated, and where it goes. We were sort of told to mind our own business…” 

Folks, we’re finishing our 2022 Winter Series on a high with a guest with an amazing tale that shows the undeniable power of changing your mindset to change your life… 

 

Today’s special guest – Alex – grew up in a household where discussing money was actually considered….rude :O. And this seed grew into a tree of bad money habits and sadly, fed into his alcoholism.  

Expecting to “rent forever” and living cheaply so he could splurge on the weekends, Alex wasn’t thinking about the future, or family, at all… 

So how has he completely transformed from this state, full of years of traumatic money lessons and spendthrift behaviours, into his new life rich with self-funded travel experiences, financial freedom AND a positive mindset towards money?!

(We will say he had a “knight in shining armour” by the name of Sabrina who helped steer him in the right direction 😉)  

And did we mention he had also gone 474 days without a drop when we spoke to him?! Amazing stuff. 

Folks this story is so mind-blowingly raw and honest that we just want to give both Alex (and his Mum AND all his pillars of support) a gigantic hug through the soundwaves. 

Tune in now to learn how planning has allowed Alex to not only change his entire financial story but has helped him to beat his addiction.  So.much.gold!!!!! 👏👏👏 

 

 

P.S And folks, make sure you stay tuned for next week’s episode ‘cos it’s a HUGE milestone for us….Yep. It’s our 400th episode!!!!! And you can be sure we’ve got a super-fantastic-hyper-awesome guest in store for you – watch this space!!! 

 

Free Stuff Mentioned… 

 

Here’s some of the gold we cover… 

  • 0:40 – All great things must end…🙁  
  • 2:45 – Meet Alex!  
  • 3:21 – Money Conversations in Alex’s house were considered…rude?!?! 
  • 5:21 – How 2 different upbringings created 2 VERY different money habits…. 
  • 6:38 – His parent’s divorce 🙁
  • 8:02 – His Teenage Years (aka. Putting money where he DEFINITELY shouldn’t have)  
  • 10:18 – So..what changed his ways?  
  • 12:20 – Alex’s Battle with Alcoholism 
  • 13:55 – How did a lack of Money Conversations affect Alex??  
  • 17:06 – His Mum’s Financial Story as a Superhero Single Mother  
  • 18:16 – “I just wanted to keep the party going…”  
  • 20:00 – The 2 mentors that changed his views on wealth-building… 
  • 22:52 – The events that switched “ON” Alex’s aspirations! 
  • 26:23 – What Drove Them to Seek Professional Advice  
  • 28:28 – So how did his brother’s financial story turn out??  
  • 31:24 – How having plans has helped Alex turn it all around
  • 34:31 – How this family is balancing love of travel, experiences AND wealth-building!! 
  • 37:02 – The Process of Creating the Plan (Did they get that Beach House?!)  
  • 41:49 – Folks, this is why starting TODAY is key!  
  • 44:36 – Why James Simon is actually better at investing than Warren Buffet?!?! 
  • 46:13 – Did Alex and Sabrina enjoy the planning process? 
  • 49:30 – Alex’s Advice to Listeners: “It’s all about M_ _d_e_ at the end of the day…” 
  • 51:21 – What could potentially derail this couple?! 
  • 53:51 – What does their Property Wealth Plan look like? 
  • 57:38 – What would Alex’s mum say?  
  • 59:33 – Public statements do THIS… 
  • 1:01:46 – Ben & Bryce’s Top Takeaways (You can ALWAYS change your money habits folks!) 
  • 1:07:05 – Why couples need an Independent Voice of Reason!!  
  • 1:08:15 – Eager to change your money situation? Listen to this for some of our best-selling resources — for FREE!  
  • 1:09:28 – Folks, get independent advice! (Why not try us out for size? Book in your FREE no-obligation consultation here 😊)  
  • 1:11:39 – We also want to share with you our evergreen CPA lecture on “How to Plan to Build a Passive Income For Life with Property Investment” – watch it here now! 
  • 1:14:30 – We’re hitting a HUGE milestone next week...(Be sure to tune in next week for one of our BEST episodes yet…)  

 

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