The Property Couch

580 | The Spreadsheet, Setback & Perth Property That Lost $160k: Stephen & Santina’s Comeback


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💥 “Future Steve’s problem.” 💥 

That’s how he described his growing debts, a costly Europe trip, and an apartment disaster that lost him $160K. 

But here’s the thing: the future arrived

In this Summer Series story, you’ll meet Stephen & Santina, a couple who turned financial chaos into clarity, rebuilt trust, and found a shared vision that transformed their family’s future. 

From spreadsheets and cashflow shocks to a plan that included Europe 2027 🇪🇺, the 2032 Olympics 🏅 and two investment properties, this is what partnership in real life looks like. 

This is a story of redemption, teamwork, and proving it’s never too late to get it right. Listen now, folks!  


FREE STUFF MENTIONED

  • 📣 BIG NEWS: Bryce Is Taking a 12-Month Sabbatical! 📣
    After more than a decade of education, storytelling and footy talk, Bryce is stepping back for a well-earned sabbatical beginning in February.

    To celebrate, we’re collecting:
    ✨ Your favourite quotes
    ✨ Episodes that changed your mindset
    ✨ Moments that made you laugh… or cry
    ✨ Anything you've learned that genuinely shifted your financial life
    👉 Send us your messages, memories and voice notes via SpeakPipe! 

  • Free Webinar: The Surplus Challenge: How to Take Control of Your Money in 2026
    7:30pm AEDT, January 13, 2026

    Focused entirely on setting yourself up for financial success this year. Learn how to set yourself up for financial success using real transaction data, a clear surplus target, and simple habits that keep you on track all year.
    👉 Register now!

  • Moorr Transaction Challenge: Track 2025, Plan 2026 💰
    Ben’s kicking off the Moorr Surplus Challenge, and it’s the perfect time to join in. This challenge is all about visibility, control and setting yourself up for a financially calmer 2026.
    👉 Find out more or jump into Moorr and start your surplus challenge today! 


LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Google Play: https://bit.ly/3OT86bW
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FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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The Property CouchBy Bryce Holdaway & Ben Kingsley

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