In this Friday Fundamentals episode, Shane and Evan Lucas unpack a much bigger issue than the usual property or tax headline:

has the social contract around work, education and getting ahead been broken?

Evan argues that the current debate around intergenerational inequality is focusing too heavily on the margins while missing the core problem.

For many Australians, the traditional path of studying hard, working hard, and moving forward financially does not feel as reliable as it once did. Education costs more, HELP debts are larger, taxes bite earlier, and the reward for extra effort can feel less clear.

This episode explores the deeper structural issues behind the frustration many people feel — and why the real conversation needs to go beyond surface-level policy fixes.

Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

00:09 – Welcome back to Friday Fundamentals
00:20 – Evan’s hill to die on
00:37 – Why the intergenerational equality debate feels off
00:55 – The old promise: work hard and get ahead
01:12 – Why education used to deliver a bigger payoff
01:52 – What changed after the GFC
02:19 – HELP debt, inflation and the cost of getting ahead
03:17 – Why the incentive structure feels broken
04:13 – Is the government too reliant on one type of tax revenue?
05:26 – Why this debate is bigger than CGT and negative gearing
06:32 – Could tax bracket indexation help?
07:26 – Younger workers, older wealth and structural imbalance
08:39 – Final thoughts and what actually needs fixing

LISTEN TO THE FIRST 20 EPISODES HERE >>

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With EOFY fast approaching, Ben is joined by BanTacs tax expert Julia Hartman and Couch Crew and Senior Empower Wealth Tax Advisor, Danish Ahmed to unpack the latest tax developments impacting property investors... 

This episode covers: 
✅ The ATO's newly-finalised holiday home rules
✅ What qualifies as a "new build" (and where the loopholes and unanswered questions still exist)
✅ How unused super contribution caps can create valuable tax planning opportunities before 30 June 
✅ Why negative gearing hasn't disappeared — it's simply become a deferred tax benefit 
✅ The biggest misconception investors have about property values, and why residential real estate behaves completely differently from shares and other asset classes 

Plus, Ben breaks down the concept of price discovery and explains why scarcity, emotion and owner-occupier demand remain the biggest drivers of long-term property performance. Listen now! 

FREE STUFF MENTIONED

📅 Free 15-Minute Tax Consultation 

With EOFY approaching, book a complimentary consultation with a qualified tax accountant to discuss tax planning opportunities and investment property strategies.
👉 Book your free initial consultation today   

📊 Moorr: You’re Home for all Your Financial Needs
Click on the titles below to find out more about each feature, or create an account or login or download into the Moorr App today! 

• Property Research & Suburb Search 
  Explore 17 suburb metrics, historical trends, demand indicators and property research tools designed to help investors make smarter decisions. 
• Negative Gearing Calculator 
  Model the difference between immediate tax benefits and deferred tax benefits under the proposed negative gearing changes using Moorr's new calculator tools. 

📰 Read Julia’s Articles:  

• A Quick Budget Fact Sheet for Residential Property Investors 
• No Deduction at all for Holding Costs on Holiday Homes! 
• Utilising Your Unused Superannuation Caps 
• How to make your own super contributions – Updated 29/05/2026  

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

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 RBA just hit pause... holding the cash rate at 4.35% after three hikes in a row this year. And the vote was unanimous, with all nine Board members backing the hold.

Ben Kingsley and economist Evan Lucas break down what the unanimous decision really signals, why the RBA's own inflation forecasts still have them cautious, and whether this is genuinely the peak... or just the calm before more pain.

💡 Thinking about refinancing or adjusting your loan strategy? Let the Empower Wealth Mortgage Broking team help you compare your options.

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

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- 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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In this Friday Fundamentals episode, Shane Pope and Luke Oxenham tackle a very practical question:

If you already own property, what’s the smartest next move?

With the tax landscape changing and investors reassessing their options, this conversation explores why growth still matters most — and why your principal place of residence may be more important than ever in shaping your next step.

Shane and Luke unpack the idea of improving your home, releasing equity, and getting positioned to act while others are still sitting on the sidelines.

They also discuss why the current environment may be creating a rare opportunity for upgraders, particularly with fewer investors competing in the market.

If you already own property and you’re trying to work out what comes next, this is a timely one.

Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

⏱️ Timestamps

00:29 – Welcome back to Friday Fundamentals
00:57 – Why this question matters right now
01:28 – If you already own property, what’s the smartest next move?
01:39 – Shane’s “PPOR maxing” strategy
02:01 – Has growth become even more important than tax benefits?
03:01 – Improving your home and releasing equity
03:50 – What changed for investors and lenders
04:41 – Why principal place of residence strategy matters more now
05:24 – Why upgraders may be in a stronger position
05:59 – What happens when investors pull back from the market
06:17 – Is now the time to jump to the next rung?
07:00 – Final thoughts and send in your questions

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

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- How to Build a Property Portfolio and Retire on $2,000 a week >>

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- Make Money Simple Again

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The rules may be changing, but the fundamentals haven’t.

As proposed negative gearing reforms dominate headlines, many investors are asking the same question:

Should I rethink my strategy?

To help answer that, Ben Kingsley welcomes Lachlan Delahunty, Founder of Follio and a property professional who has been involved in more than $2 billion worth of property acquisitions.

Together, they explore what really drives long-term property performance and why some investors risk being distracted by tax outcomes rather than investment fundamentals.

In this episode, you’ll learn:

• Why negative gearing was never the strategy — capital growth was
• The difference between commutable and non-commutable regional markets
• Why some regional locations thrive while others experience boom-bust cycles
• The investment-grade framework: Location, Land, Asset
• How scarcity, agglomeration and demographic trends influence property values
• Why guaranteed returns, social media hype and thinly traded regional markets can create significant risks for investors

As Lachlan reminds listeners:

“The rent keeps you in the market. Growth creates the wealth.”

But perhaps the biggest message from this conversation is even simpler:

Good property is still good property.

Governments change.

Policies change.

Markets change.

But the fundamentals that drive long-term wealth creation remain remarkably consistent.
 
 

FREE STUFF MENTIONED

🎥 Property Prices After Tax Reform: Fact vs Fiction (Replay + Slide Deck)

Ben’s webinar replay is now available on demand, along with the downloadable slide deck that explores:

• What really drives long-term property growth
• Scarcity and land appreciation
• The potential impacts of negative gearing and CGT changes
• Winners, losers and unintended consequences of the proposed reforms

👉 Access the replay and download the slide deck: thepropertycouch.com.au/webinar

📊 Negative Gearing Analysis Tool (Moorr)

Compare property scenarios side-by-side and model the impact of:

• Negative gearing
• Deferred tax benefits
• Cash flow changes
• Different investment property scenarios

👉 Explore the tool: moorr.com.au/negative-gearing-analysis-tool

TIMESTAMPS 

• 00:00 – Negative Gearing Is Not Gone: What Investors Need To Know
• 03:48 – The Money Habits That Shaped A $2 Billion Property Career
• 12:08 – Negative Gearing Was Never The Strategy
• 19:19 – Regional Markets: Opportunity or Trap?
• 23:26 – The Investment Grade Framework: Location, Land & Asset
• 28:40 – Commutable vs Non-Commutable Regional Markets
• 42:54 – Guaranteed Returns, Hype & Regional Risk
• 53:16 – Why Fundamentals Still Matter
• 58:49 – Lachlan’s Final Message To Investors

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
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👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

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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Feeling uncertain about where to buy next?

With so much noise in the property market right now, it’s easy to get caught up in headlines, opinions and speculation. But as Ben Kingsley and Connor explain in this bonus episode, one of the best ways to cut through the confusion is to come back to the data.

In this episode, they unpack how investors can start narrowing down Australia’s 30,000+ suburbs by looking at key property metrics such as typical value, yield, weekly rent, vacancy rates, days on market and demand-supply signals.

They also explore why suburb-level data is only the starting point, how side-by-side suburb comparisons can help investors build a smarter shortlist, and why property-level research still matters before making any decisions.

Whether you’re just starting your property search or trying to refine your next investment location, this episode will help you think more clearly about where to begin.

Free Resources Mentioned:

• Explore Moorr’s Property Research Tools >
• Create Free Moorr Account 
• (Free Webinar) Property in 2026: Sell, Hold or Optimise

 Timestamps:

• 00:00 – Using Data to Cut Through Uncertainty
•  01:10 – Introducing Moorr’s Suburb Search
•  02:17 – Choosing Your Search Criteria
•  03:44 – Exploring the Key Filters
•  04:31 – Building a Suburb Shortlist
•  06:03 – Comparing Suburb Trends
•  07:05 – Why Property-Level Research Still Matters
•  07:42 – Reading the Demand-Supply Signals
•  08:27 – How Filters Help You Find the Right Suburbs
•  09:21 – Using Comparison Tools to Refine Your Shortlist
•  09:59 – More Property Tools Coming Soon
•  11:11 – Upcoming Property Webinar

Listen now to learn how to stop guessing and start researching with more confidence.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
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👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

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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In this Friday Fundamentals episode, KD and Brett Burton unpack a powerful idea:

it’s okay to do one thing really, really well.

From an unforgettable 80s concert story to lessons from high-performance sport and business, this conversation explores why so many people spread themselves too thin — and why the better path is often to identify your strengths, refine them, and lean into them.

They talk about the value of specialising earlier, knowing your “weapon”, and resisting the urge to be everything to everyone.

If you’ve ever struggled with self-doubt, overcommitting, or trying to fix every weakness at once, this episode offers a refreshing reminder to focus on what you do best.

Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

00:15 – Welcome back to Friday Fundamentals
00:27 – KD and Brett take the mic
00:53 – The hill: it’s okay to do one thing really well
01:00 – The Bananarama concert story that inspired it
02:27 – Why specialising matters more than we think
03:08 – Brett on “bring your weapon”
04:00 – Why high performers know their strengths
05:06 – The trap of trying to be everything to everyone
06:00 – Why we focus too much on weaknesses
07:00 – Surviving vs thriving
08:00 – What it looks like to lean into your strengths
08:50 – Final thoughts and your hill to die on

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
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👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
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- Make Money Simple Again

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600 episodes. Thousands of conversations. One incredible community. 

And if there's one thing we've learned along the way... 

Success rarely follows a straight line. 

Few stories prove that better than John McGrath's. 

A 95/500 HSC. A football career ended by a doctor's verdict, and a pivot that led to one of Australia's most recognisable property empires. 

For our 600th milestone, we went big. 

Ben sits down with John McGrath and Tom Panos: two of the most trusted voices in Australian real estate, for a conversation that's equal parts origin story, market reality check and a few things the government probably doesn't want said out loud. 

They cover John's remarkable rise, the mindset and habits that built an empire, and a no-holds-barred breakdown of the Federal Budget changes: what do they actually mean for the younger generation and first-home buyers already struggling to get onto the property ladder? 

FREE STUFF MENTIONED

• 📊 NEW: Negative Gearing Calculator
  The rules have changed but your strategy doesn't have to suffer. Run your numbers, compare the old vs new settings side-by-side, and see exactly what the budget changes mean for your cashflow and portfolio inside the web version of Moorr. 
  👉 Knowledge is power. Use it.  
• 🧠 Take The Property Couch Quiz 
  We've launched a brand-new website designed to help you cut through 600+ episodes and find the content most relevant to your property journey.
  👉 Complete the quiz and tailor your experience 
• 📅 Book A Pre-EOFY Tax Planning Chat 
  June 30 doesn't wait for anyone. If you're still thinking "I'll get to it soon", soon is now. Get ahead of the end-of-financial-year rush, access our free resources, and make sure you're not leaving money on the table when the clock runs out.
  👉 Find out more!  

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

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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You’ve saved the deposit. You’ve done the hard yards. You’re ready to get into the property market. 

But then comes the big question: Will the bank actually lend you the money?

As Bryce and Ben explain in this Throwback Tuesday episode, a strong deposit is a great start, but it’s only one part of the picture. 

For the original episode, tune in here: Episode 88 | Q&A – Investing in Newly Developed Areas, Getting into the Property Market, Career as a Buyers Agent and more.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
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👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

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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In this Friday Fundamentals episode, Ben and Polly unpack one of the most important investing skills you can build:

Critical Thinking.

The conversation centres on the growing number of “guaranteed return” propositions showing up in property investing — and why those promises should always be challenged.

From guaranteed rent to guaranteed growth, they break down why the real issue isn’t just the headline offer, but the downside risk that often gets ignored.

If a property underperforms, loses value, or leaves you with reduced flexibility, a small guarantee may not come close to covering the real cost.

This episode explores the questions every investor should ask, the red flags to watch for, and why thinking critically before you sign anything is one of the most important habits you can build.

Got a question or a something you wish you knew earlier?

Send it through here 👉 https://thepropertycouch.com.au/topics/

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform:  https://www.moorr.com.au/     

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

FIND US HERE:
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