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TPC Gold | Without THIS, Your Portfolio Is Just a Collection of Properties

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There’s one mistake we see time and time again in the world of property investing—and it’s more common than you might think.

People start building a property portfolio… without ever building a plan.

They’ve got a couple of properties under their belt, the repayments are on track, and equity is starting to build. But behind the scenes, it’s all a bit cobbled together. No structure, no exit strategy, and no clear outcome in sight.

Does that sound like you?
If so, you might find our upcoming LIVE webinar really helpful. (More details below!)

In today’s TPC Gold soundbite, Bryce unpacks why having a plan is more important than how many properties you own, and what separates a strategic portfolio from a scattered collection of assets.

In this short but powerful episode, you’ll learn:
💡 Why “activity doesn’t equal achievement” when it comes to property investing
🧩 The risks of building a Franken-portfolio (and how to avoid it)
🎯 The key questions every investor must ask to stay on track

If you’re serious about financial freedom, you need more than just property…

You need a plan.

Want to Go from Confused to Confident?

Bryce & Ben will be running a FREE live webinar Tuesday 25th Feb 2025 at 7.30pm (AEDT) where they’ll walk you through their proven 5-step framework to help you build a portfolio that’s strategic, sustainable, and designed to deliver $3,000 a week in passive income.

Register now 👉 https://www.thepropertycouch.com.au/webinar or just click here!

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If You Enjoyed TPC Gold | Without THIS, Your Portfolio Is Just a Collection of Properties, You Might Also Like:

Transcript

Bryce Holdaway
And folks, I want to talk to you today about something that without this thing, your portfolio is just a collection of properties. Now, one of the biggest mistakes I see investors make, and I’ve seen this for years, is jumping into property without a clear plan.  

Now, at first, it looks like things are going really well. You’ve got one or two properties, the equity’s building, the repayments are being made, but here’s the truth. Without a strategy, all you’ve got is a collection of properties. It might feel like a portfolio, but unless those properties are working together towards a specific financial outcome, you’re probably just spinning your wheels. And I’ve seen people with five, six, even more properties who are no closer to financial freedom than someone with just one or two well-selected investments with a clear roadmap. Now it’s what I like to call the Frankenstein portfolio. A bit of this from a friend, a bit of that from a podcast, something they read on a forum. All stitched together, but with no real cohesion, no structure, and no real direction.  

Now, it is easy to get caught up in the excitement, especially if you’ve got borrowing capacity or a bit of equity, but unless you pause and ask some very key questions like: What’s the end game here? How many properties do I actually need? And what kind of cashflow do I want in retirement? Without those questions, you could be heading toward a future that looks very different to the one that you’d hoped for.  

Now, a true portfolio is more than just numbers. It’s about having a plan, a framework, a system that ensures each property is playing its part in helping you achieve a clear long-term goal. So if you’re sitting there thinking, I’ve got a couple of properties, but I’m not sure what comes next, you’re not alone. And the good news is we can help. We’re running a free live webinar Tuesday 25th March 2025 at 7.30pm Australian Eastern Daylight Time (AEDT).  

And in it, Ben and I will walk you through the same five-step framework we use to help thousands of Australians build property portfolios that are strategic, sustainable, and set up to deliver $3,000 a week in passive income. Now we’re going to cover three secrets. The first one is how to retire on $3,000 per week passive income with just five properties or less. The second secret is how to buy an investment property without impacting the family budget. And the third secret is how to invest with unshakable confidence, even when the headlines say the market’s about to tank. We’ll unpack how to select the right property, how to structure your loans, how to protect your lifestyle along the way, and how to avoid the costly mistakes that come from not having a plan.  

So if you’re ready to go from a loose collection of properties to a portfolio with purpose, join us at thepropertycouch.com.au/webinar. Leave your details and register; Tuesday 25th of March at 7.30 p.m. AEDT. I look forward to seeing you there. 

 

TPC Gold | Why Women Must Prioritise Financial Independence (Before It’s Too Late!)

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This snippet is from one of our previous episodes: The Voice Behind “The Female Investor”! 

For far too long, women have faced systemic financial challenges—from the gender pay gap to lower superannuation balances—and the long-term impact can be significant. 

In retirement, more women than men experience financial insecurity, with many returning to the workforce, selling their homes, or facing unexpected financial struggles. 

That’s why in this TPC Gold soundbite, Ben is joined by Nicola McDougall—successful property investor and passionate advocate for women’s financial security—to discuss why financial independence is crucial for women at every stage of life. 

About Nicola McDougall 

  • Co-author of the best-selling book The Female Investor – Creating Wealth, Security & Freedom Through Property and Property Investing For Dummies (3rd Australian edition) 
  • Multi-award-winning property and finance journalist, industry spokesperson & business owner 
  • Chair of the Property Investment Professionals of Australia (PIPA)  

For Women, Property Investing is About More Than Just Wealth 

It’s about security, choice, and independence. It’s about having options, no matter what life throws your way. While women face unique financial challenges, the good news is—there are steps to take control.

Want to Build Long-Term Security & Independence? 

Grab a copy of Nicola McDougall’s best-selling book The Female Investor – Creating Wealth, Security & Freedom Through Property. 

Ready to take it a step further?

Join our LIVE webinar next week to discover how to build a property portfolio and retire on $3,000 per week. 👉 Register here!

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If You Enjoyed TPC Gold | Why Women Must Prioritise Financial Independence (Before It’s Too Late!) You Might Also Like:

Transcript

Ben Kingsley
Obviously there are lot of property investment books out there but this one’s been close to your heart because you’ve been telling me about this passion to write this book for a long period of time, so this is probably where I want to give you the mic to sort of tell us what’s important to you about teaching other women – potentially single women as well – what’s the backstory there in terms of what makes this such an important project for you to be able to write this book. 

Nicola McDougall
Thanks, Ben. Well, interesting that you say single because I actually had the idea for the book in 2018. And at the time it was called the Single Girl’s Guide to Property Investment. I don’t remember if there was an epiphany of sorts or anything like that. But I guess it’s because I have written a million words about this stuff, but I also have lived and breathed it. And I am the product of all this, everything that we talk about in the book.  

I only got married a few years ago, and prior to that, I bought three properties by myself, notwithstanding the one tenant in common with my little brother, which only lasted a couple of years. So as someone who classes themselves as a feminist, I also believe in financial independence. And I really wanted, when I look around now, and I’m of a certain age where my nieces, my stepdaughter, they’ve all finished high school, they’re at uni, or they’re starting jobs. And at the other end of the spectrum, I have friends with the family or within my own family (where there are) women who are retiring now and things like that. And I’m smack bang in the middle here.  

I just really wanted to pass on everything that I’ve learned, everything that I’ve written about after all of these years to other women, whether they are young and just starting out, whether they’re around my age and in a relationship, but maybe they have a partner who is conservative risk-wise when it comes to investing. Maybe they are separated, divorced, or even widowed, unfortunately. And then there are women who are at retirement. I know I’ve spoken to a number of them who would like that their stories could have been different, which is that, you know, whilst we all would like to hope that our relationships with our significant others are still around when we’re retired, for 40-50% of us, that won’t be the case.  

Could well be that you may be a single woman in retirement who has their own property that they live in but they’re still surviving on the pension. They don’t have any additional funds, they don’t have any super. One in three Australian women have no super. You know, the demarcation between the male and female super balance starts (which it was horrific when I found this research for the book), starts when we’re in our late 20s. That difference between male and female super balances starts to move apart at that point, and it never, ever, ever catches up.  

And so to answer your question in a really roundabout way…hand on heart would love for women of all ages to prioritise their own financial futures and prioritise potentially having financial independence throughout their lives. Because no one wants to wind up in poverty; no one wants to wind up in poverty in retirement. But more elderly single women than men do. More elderly single women have to return to the workforce. More elderly single women have to actually sell the family home, and go renting in retirement and things like that. And I know it can be hard for younger women to think about that sort of stuff when they’re in their 20s and 30s. But now thanks to you guys and many others, there is so much opportunity for them to work with bonafide experts to improve their education and start forging their own financial path earlier which will give them more choices later.  

You know financial independence is something that women have never had and it’s a bit of a lofty ideal I suppose but why not? Wouldn’t it be great if we had when two people got together regardless of their gender and each were fine; they created things together, but outside of that relationship, they have their own financial independence that retained that way, as my assets do retain mine outside of my marriage. It would be better for everybody. It would reduce a huge amount of legal fees and separations and divorces. And it would reduce the number of people that are really financially struggling later in life, and certainly help the number of women out there who are nearing retirement and worried about actually having the funds to see out their twilight years. And that’s a real problem for many women. 

 

TPC Gold | Is Property Investing Worth It? What to Do When Progress Feels Slow

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This snippet is from one of our previous episodes: How to Prioritise Your Property Investment Journey and Still Have a Life — Sydney LIVE Podcast ft. Q&A. 

Property investing is a long-term game, but what happens when it feels like nothing is happening?  

When life gets in the way, distractions pile up, and the market isn’t moving as fast as you’d hoped—it’s easy to start questioning if property investing is worth it. 

In this TPC Gold soundbite, we tackle one of the biggest challenges investors face: staying patient, focused, and motivated when progress feels slow. 

Here’s what we cover: 

🕰 Why property investing feels slow & why that’s normal
📉 How fear, media noise & market cycles can shake investor confidence
🛑 Why distractions & procrastination can cost you big time
🎯 How to stay committed to your investment goals—even in the “messy middle”
💡 The importance of understanding your ‘why’ to push through challenges  

So, Is Property Investing Worth It?

Absolutely—but only if you stay the course.  

Property investing isn’t about overnight wins; it’s about playing the long game and making strategic decisions. The most successful investors know how to cut through the noise, ignore the short-term distractions, and keep moving forward—even when progress feels slow. 

Want to Stay Focused & Build a Rock-Solid Property Portfolio?

🎓 Join our FREE Masterclass and learn how to build wealth through property the right way—without making costly mistakes or losing momentum. 

👉 Register here: https://masterclass.thepropertycouch.com.au/how-to-build-a-property-portfolio 

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If You Enjoyed TPC Gold | Is Property Investing Worth It? What to Do When Progress Feels Slow, You Might Also Like:

Transcript

Bryce Holdaway
Hey our first question is from Louise who is one of our guests later today. She says: My single biggest challenge with my property investment journey has been keeping the momentum and not getting distracted or bored along the way. Property investing seems to sometimes move at a glacial speed and it’s easy to get a bit disheartened when you don’t see obvious progress. Ben, I wish I had this printed this a bit bigger.  

Ben Kingsley
I was going to say… 

Bryce Holdaway
It’s also easy to let life get in the way and not prioritise my investment journey. I delayed on a purchase by two years, Louise. Missing out on some great capital growth in Sydney because I was distracted by family and work life. Lou, Ben.  

Ben Kingsley
Lou, there’s a couple of things in there. The first one is, and we’re going to get distracted more and more around the sentiment and the confidence piece that’s happening in the market. We’re already seeing, you know, credit squeeze, Royal Commission, APRA, those types of things are going to get worse and worse. And papers sell on fear, and so we’re going to see more and more of this sentiment and confidence challenge. So what’s interesting for me around that story and around timing and having patience is I’ve always believed that you should invest in property when you can afford to invest.  

And we’ve also talked about there’s different times in the market and there’s different markets within markets. So we still believe that there’s going to be really good buying opportunities but it comes back to this position that if I listen to the noise, I’m like the 95% of people who don’t create financial wellbeing.  

So if I follow that noise and I take my eye off the prize, why should I be taking advice from people who haven’t got successful? Why should I take advice from a journalist who needs to put out a story around that? So if you can maintain the focus on the long journey, and in my case, yes, I’ve been investing, as you know, since I was 23. And here’s an interesting fact for you, because I haven’t publicly stated this before, but I’ve bought six properties, that’s it. Six properties.  

Now a lot of people might be thinking, wow, I would have thought he might have 10, 12, 25, 30, or I could have bought 20 properties on my credit card in Detroit in the GFC, because I could buy them for about $800. But you’ve never heard me talk about my number, because it’s not necessarily relevant to the story of my success. They’re just damn good properties.  

And I’ve timed them out accordingly and you never hear or see our business gloat about 500% returns on investment and all those types of things. Because each of you are in different stories and every property that we try our best to buy is a challenge. And it’s usually under competition because if we’re buying property that aren’t under competition, we’re shopping in the wrong location. So I think from that point of view is: be patient. The greatest investors are patient; but strike when you’re in the position to strike and that means don’t procrastinate, don’t let the noise disrupt your view. And there was another great question from Nick. We read the questions guys and so I don’t know whether we’ll get to Nick’s question… 

Bryce Holdaway
We will. 

Ben Kingsley
…but it was about how do you cut that noise out? Simple, don’t be a sheep, don’t follow everyone else. The trailblazers are the people who see opportunity in these markets. And that’s what’s going to be happening because yeah, if we take a macro generalistic view, I think property is going to be sluggish for probably the next 36 months. Now if it’s like that, well do I just wait? The answer to that is no, because I’m not buying the Australian property market. There’s still going to be opportunities inside that market that if it meets my brief, I go.  

Because if I’m going to be buying, I know that economic cycles are real. They’re based in academia, they’re proven, they move in cycles. We’ve come off the top of the cycle in Sydney, we’re getting to the top of the cycle in parts of Melbourne, so that’s okay. And then once the next cycle moves through, because remember, we’re not speculating in property. We’re buying property for the long term so we can live off the passive income that it’s going to generate for us once we get the debt in order.  

Bryce Holdaway
How many people in the room are goal setters? I mean, sort of set them at the beginning of the year, write them down, and follow them. So we’ve got a few, which is great.  

Ben Kingsley
It’s probably consistent with most people who plan to become what they plan to become.   

Bryce Holdaway
But I guess the reason for saying that is because I’ve been a frustrated goal setter for about 20 years now. I remember my little Datsun 323 at university. Air conditioning…we had the windows down and the roof open down the freeway. And I had a little Zig Ziglar tape. Who’s Zig Ziglar? Anyone? Yeah, put it in. It was goals. And I remember listening to that. And I thought he had the framework, the way that you’d set it out, what you had to do. And I thought, this is it. I’m going to do this. And because I’m a perfectionist, I thought, well, I’ve got to fully plan it out and make sure I know what I’ve got to do… and by nature that was a frustrating exercise and I never got around to it but I think each year I’d have to do it.  

Long story short I finally nailed the process this year. I’ve set nine goals – they’re all date stamped, they’re specific, they’re measurable, they’re actionable, they’re results driven. And what the difference was for me is part of that process is I had to go to the why of each goal and really drill down into the why of each goal, because there comes a time when you get to what’s called the messy middle. And that’s where you’ve got all this enthusiasm when you start your investment property journey. We love it, we’ve read the books, we’re fired up, we see it’s a better future. And then at the end of it, we hopefully get to passive income. But somewhere in the middle, Louise, is the messy middle.  

And so what happens is I now review those goals every day. It takes me 90 seconds. But then once a week, I look at them at length. And what I do is I go through these four or five bullet points on every goal. And it reminds me why I’ve set those goals. And it helps me when I get to the messy middle to remember why they’re there in the first place. So what I’d say is a lot of people come into our business and they see our book and it’s got $2,000 per week and they go, that’s what I want. And we can get to work and say, okay, let’s do what we need to do to get to work, but we need to realise that at some point you are going to hit the messy middle. So we need to ask better questions, right? So if someone comes in and says, I want $2,000 a week passive income; it’s our job to go: What for? Well, I want financial freedom. Okay, what for? I want to spend more time with my kids. We’re starting to get close now. We go, okay, so next question, if we’re skilled enough, we’ll go, what for? And the person will come in.  

Ben Kingsley
They don’t go exactly like this by the way.   

Bryce Holdaway
It’s a bit more subtle than that. But ultimately we’re trying to peel back the layers, right? So the person who comes in and says I want $2,000 a week, who then wants financial freedom, who then wants to spend more time with their kids, if we get to the crux of it, it’s because my dad never spent any time with me and I don’t want to be that dad with my kids, right?  

And I’ve just described a little bit of my own journey and my own why, because my dad was born in 1939. He’s a very wonderful father but he wasn’t around, right? And so I make it a priority each morning; I’ve decided that the breakfast meal is the meal that I want to spend with my kids every day because they’re most energetic, they’re most vibrant and they’re most up and about versus dinner at night where my wife is in the front row. She has to deal with that every single day.  

So for me, I’m always trying to work out the why. So that would be the first thing I’d be working with you Louise, is what’s the why? And I know that’s a real sort of statement “what’s your why?” but I’d really want to drill down as to why it is you’re building portfolio and what it is that’s driving you, so that we could remind you of that when you get into the messy middle. 

 

TPC Gold | How We Teach Our Kids About Money—Saving, Spending & More!

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This snippet is from one of our previous episodes: Money Lessons for Kids. 

Teaching kids about money can feel overwhelming, but the key is starting early, keeping it simple, and making it part of everyday life. 

In this TPC Gold soundbite, we’re sharing how we teach our own kids about money—from saving and spending to understanding opportunity cost and financial priorities. 

Here’s what we cover: 

👶 Teaching Preschoolers – How to introduce the idea that money doesn’t just “appear” and why role-playing with play money (or even Monopoly!) can be a fun way to start.
🏫 Primary School & Opportunity Cost – When kids start understanding numbers, it’s time to introduce trade-offs: “Do you want to spend $25 at the cinema or go kick the footy for free?”
🛍 Comparing Prices & Making Choices – Real-life exercises like shopping around for gifts or choosing between streaming subscriptions can help kids make smarter money decisions.
💰 Aligning as Parents – Why consistency between partners is crucial when setting money rules and expectations for kids. 

Money habits start young, and the best way to set your kids up for success is to lead by example and have open conversations about money.  

Want More Resources to Help Teach Your Kids About Money?

📖 Read Make Money Simple Again – Our step-by-step guide helps parents manage their own money better, so they can pass down smart financial habits to their kids. 

💡 Explore ASIC’s MoneySmart Resources – The MoneySmart website has great tools and tips for teaching kids about money at every age.  

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If You Enjoyed TPC Gold | How We Teach Our Kids About Money—Saving, Spending & More! You Might Also Like:

Transcript

Bryce Holdaway
Yeah, so I’m sure we’ve got many, many parents listening to this and some will agree with what we just said and some will disagree…which is fine. The idea here is just to stimulate some discussion and hopefully give you guys some ideas. But number one, start young. Number two, talk about invisible money. And then number three, look for opportunities where you can have conversations around money, where (even if) you just don’t even think that now is a good time, but they’re watching and they’re absorbing, and it might be a good opportunity.  

So Ben, I guess the way that ASIC was suggesting that you introduce this is to do it by age group, right? So what do you talk about when kids are at preschool age? What do you talk (about) when kids are at school age? And then how do you sort of advance them along at high school? And I thought that breaking that up was pretty good. So, because I’ve got one at preschool, one at school. I certainly don’t have any in high school yet; that’ll come at some stage.  

Ben Kingsley
Yes, it will.  

Bryce Holdaway
So in terms of preschool, it was about introducing them that you need money to buy things. It doesn’t just turn up. There is some form of exchange happening, and largely an invisible exchange. But you know there’s Monopoly. The kids have got play money. You can actually role play and teach them as early as you can. And as Paul Clitheroe said last week, if you’re at school, if you’re counting anyway, why don’t you talk about dollars and cents rather than just numbers. So bring it in where you can.  

Ben Kingsley
The dollars and cents, you trade time for money. They start to understand, okay, I’m going off to preschool and I trade my time for learning. Mum and Dad go off to work to trade time for money. If they can understand that concept, then the flow on of that is, well, what’s the value of that time? And the fact that certain people trade their time for higher or lower levels of money. So don’t try and introduce that too youn;, they won’t get it. If they can’t understand the different values of amounts of counting, then start simple. You just wanna say: Mummy and Daddy go off and they spend time there to make money and that money allows us to buy things.  

Bryce Holdaway
And spend on things that we choose to. I think you just hit the nail on the head. Don’t make it too complex. Make it simple. But understand there’s a flow, there’s an exchange, there is a trade of time for money in return for something that then the parents have an opportunity to decide where they want to prioritise their money going.  

Ben Kingsley
And that’s a good segue into obviously the primary school age, where they’re developing their skill sets around multiplication and division, then you can start to sort of talk more complex. And that’s probably the opportunity cost conversation. So, Harry, if I’ve got $100 and your new basketball runners are gonna cost me $120, how much more do we need to find for us to be able to buy your runners for you? Those types of things are going to be part of that story. And then, Harry this weekend we’ve got free, I’m gonna spend an afternoon with you, where do you wanna go? Do you wanna go to the cinema? Okay, so the cinema’s your choice. Do you wanna go there?  

That’s gonna cost us probably about $25 for you to go to the cinema. Do you wanna use that money or do you wanna just go and kick the footy down the park or shoot some hoops down at the basketball stadium or something along those lines, which doesn’t have a cost, and then you can start to sort of see what that story lives.  

Bryce Holdaway
Comparing and shopping around, we’ve actually done this exercise with Jack where we said what do want for Christmas and they gave us a list. And then it was a PlayStation versus a Nintendo Switch. So we asked him to go and get on the iPad and compare prices and compare features and then do a pros and cons for each. So he actually enjoyed it.  

Ben Kingsley
And this is the time when husband and wife need to be aligned.  

Bryce Holdaway
Or partner and partner.  

Ben Kingsley
Or partner and partner, good point. Because this is where money conversations go awry and we’re seeing a bit of that in terms of some of the feedback we’re getting from the people using the platform, because we ask them a little questionnaire when they come onto the Facebook group as well and we’re noticing the trend of disalignment through partner and partner. And that happens in our household too with the living and lifestyle budget.  

Bryce Holdaway
My hand’s up too. 

Ben Kingsley
It’s like okay, so what’s a perfect example right now? So I thought we had enough lights and I thought we had enough Christmas decorations. I think 20 or 30 items is enough, that gets stored into a couple of boxes, but because we’ve now got an upstairs and a downstairs, apparently we needed some lights upstairs. So that’s a good example of, right, okay, we’ve got some lights upstairs now. Now where does that come out of the budget? 

Bryce Holdaway
That’s the hidden cost of renovating Ben…Christmas lights. 

Ben Kingsley
And that wasn’t out of my provisional jar. You can’t sort of move a little bit of money. But coming back to the kids’ story, is if you don’t have alignment between the parents in terms of the rules that we’re setting up, then this is gonna be difficult, right? Because as parents, we want to see the joy in our children’s face. But in some cases, some of that joy is short-lived in the sense of buying them things as opposed to giving them experiences. And I for one, that is a pain point for me in the household.  

Bryce Holdaway
I can see it in your face as you’re talking about it.  

Ben Kingsley
I’m just being careful in terms of how I talk about it because I get it, right? I mean, I’m someone who’s not at home as much as other people are. I run a business; I work probably eight to late most days. On the weekends, I’m there, but it’s just important. So I’m guilty of that time work balance in terms of what I’m doing, but I love what I do, so that’s the trade-off for me. Everyone says, you work a lot. You think this is work, but this is my passion, it’s my purpose, it’s what I wanna do, so I work. My life and my children work around that, and I make sure I have enough time for them.

But on the other hand, Jane’s passion and purpose is making sure those kids are wonderfully organised and good mannered and have morals and are adding to society. So there’s a combination there. But I get it, she’s had a tough day or they’re not going well or you know, there’s an ice cream after school or so forth. I don’t want that ice cream after school to be a norm. I want it to be, well, you were great at school today. That was great. I was really proud with what the teacher told me about, so let’s go and get an ice cream. But it is that challenge of, okay we’re out, the kids are screaming, I needed to occupy them whilst I could go and do some shopping or whatever. So you know, there’s a quick little gift, and that for me is like, it’s a quick win. I’m just putting it out there. I’m not telling you how to…I’m certainly no sort of behavioural expert around raising children. My God, I’d be getting an F probably for that myself. But I would say that that’s where the friction in our household was when I was growing up and it didn’t stop right through.

So if you can get on the same page in terms of teaching each other about where you’re coming from with your money plans and what it means for you in the future, that’s the big story here. Because I think if my dad was better at telling my mum: this is what our life is gonna look like into the future, if we do this better here now and make some sacrifice and delay gratification, mum might go: oh I get it. Whereas dad just probably passed on by saying, yeah, look, it’s for our future, we’re gonna retire early. And in some cases, a lot of people can’t see that future.  

Bryce Holdaway
That’s a good message about buy-in. There’s gotta be buy-in by all parties.  

Ben Kingsley
Yeah, absolutely. 

Bryce Holdaway
Hey, a couple of things around comparing prices. I use an opportunity since we have Netflix, Ben. So when the boys can’t find a movie on Netflix and they want to do it on Apple TV, that’s an opportunity that I use: where Netflix, anything you want to watch on that comes all-encompassing, whereas if I have to go on Apple TV, I have to pay more to do that. And that’s actually been something that’s landed for them. And I’ve noticed their behaviour is changing where they request less. Now, don’t get me wrong. We still watch movies from Apple TV and we pay for them, but the frequency has been diminished now that they know that the value that we provide is in that monthly package.  

Ben Kingsley
Does that money come out of their pocket money or does that come out of the family budget for you?  

Bryce Holdaway
It comes out of the family budget.  

Ben Kingsley
Oh, okay. Whereas I would probably say: you want that and that’s your choice. I’d take it out of their pocket money. 

Bryce Holdaway
Oh you mean paying for the movie for the kids? No, I haven’t actually done that. That’s a nice thing that you do. Well done.  

 

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  • Worrying About Money is a Thing of the Past
  • Don’t “Unconsciously” Overspend Ever Again

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