The Property Couch

What happens when the money expert has to hit reset on her own life? 💥

Meet Gemma Mitchell: a financial adviser, money coach, and co-host of The Australian Finance Podcast.

With over 20 years in banking, wealth coaching, and financial services, Gemma has helped thousands of Australians navigate life’s biggest financial curveballs, from divorce and career change to business setbacks and beyond.

But when her own “perfect plan” fell apart, she had to start again and what she discovered changed everything.

Gemma rebuilt her life from the ground up, not just financially, but mentally and emotionally, uncovering what real financial wellbeing looks like.

Now, she’s sharing those lessons in The Money Reset, her 12-step roadmap to help you turn financial setbacks into powerful comebacks. 💪

FREE STUFF MENTIONED

• The Property Couch 2026 Survey 
• Audiobook: How to Retire on $3K a Week
  👉 Spotify (Coming soon to Audible and other major streaming platforms!)
  👉 Moorr
• Moorr's Free Property Reports 
• The Money Reset: Gemma’s 12-Step Financial Reset Plan
• National Debt Helpline
• AFR article: Macquarie Bank Pausing Rates
• Unlicensed Advice Warning: PICA’s callout on the rise of unqualified “property experts” 
• First Guardian & Shield Collapse: ABC report on ASIC and superannuation oversight flaws

Read the full list here >> 

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:
- Website
- Instagram
- Facebook
- Youtube

The Reserve Bank of Australia has just made its November 2025 cash rate announcement, and the decision lands amid a whirlwind of competing economic signals. 

Join Ben Kingsley and resident economist Evan Lucas as they dive deep into what’s really driving the headlines… from inflation and interest rates to housing market dynamics and the growing risk of stagflation. 

If you’re trying to make sense of where the economy might go next, this episode is one to tune in to. 

💡 Thinking about refinancing or adjusting your loan strategy? Let our team help you review your options. 

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:
- Website
- Instagram
- Facebook
- Youtube

Most investors dream about “doing a development” one day… but few know what it actually takes to do it profitably.

In our latest episode, we’re joined by Rob Flux, Founder of Property Developer Network and PICA board member, to unpack the real-world lessons from his own journey, from rebuilding to turning two blocks into eight townhouses in just four years.

Rob shares:
✅ The 3 pathways into development for passive investors, renovators, and tradies.
✅ Why “garbage in, garbage out” applies to every feasibility study.
✅ How to spot the 10% of sites that actually make money.
✅ Why taxes are the real hidden cost killing profitability.

Tune in now to learn why development isn’t about building; it’s about solving the right problems.

RESOURCES MENTIONED

• Audiobook LIVE: How to Retire on $3K a Week  🎧
  It’s finally here! You can now learn wherever you go. Now available in
  👉 Spotify (Coming soon to Audible and other major streaming platforms!)
  👉 Moorr
  Login or create your free account today! (Psst - if you join the waitlist here, you can access it for FREE). 
• The Property Couch Survey – Win 5 x $100 Gift Cards!
  Help us shape the next chapter of The Property Couch! You’ll go in the draw to win 1 of 5 x $100 gift cards and get free access to a premium MyKnowledge workshop inside Moorr.
  👉 Share your thoughts  
• Tax Deadline Reminder – Need A Little More Time?
  All Aussies have a deadline approaching; if you haven’t done your tax yet, October 31st is the cut-off. So, this is a little shout-out for our Empower Wealth Tax Team: if you need more time or want to make sure you’re getting the maximum refund, reach out today.
  👉 Book your tax consultation now!
• Free Property Reports: Now Inside Moorr
  You can now access free suburb-level property reports right inside the Moorr platform! 👉 Login or create your free account in Moorr. 

Read the rest of the resources here >>

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:
- Website
- Instagram
- Facebook
- Youtube

We all know property investing is about “location, location, location”... but have you ever stopped to think about how cities actually form?

In this bonus episode, we go on a journey from the dusty towns of the Wild West to the bustling megacities of today.... all to unpack the evolution of cities and why understanding this process can give you a huge edge as an investor. 

For the original episode, tune in here: Episode 163 | Infrastructure: What’s the Game Changer for Property?

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:
- Website
- Instagram
- Facebook
- Youtube

In this week’s special episode, Bryce & Ben “compare the pair”: not with jingles or gimmicks, but with hard data and one clear winner. 📊 

Using 44 years of property performance, they uncover why Brisbane’s steady economic engine outperforms Townsville’s volatile cycle, and what it means for investors tempted by short-term wins. 

From super tax changes and trust reforms to Ponzi-like buyer activity, the boys reveal what happens “when the tide goes out”... 

And who’s left swimming naked. Tune in now!  

RESOURCES MENTIONED

• Complete Our TPC Survey & Get Rewarded
  We want to hear from you! Tell us what topics you’d love us to cover on the couch, and as a thank you, you’ll unlock a FREE Premium Workshop (worth up to $497) inside Moorr’s MyKnowledge portal. Plus, you’ll automatically go in the draw to win one of five $100 gift cards! 🥳
  👉 Take the 2-minute survey now  
   
• Listen to the How to Retire on $3K a Week Audiobook
  Our new audiobook is officially live! 🎧 We’ve added exclusive after-chapter discussions where Bryce & Ben unpack every key lesson. You can purchase it inside:
  👉 Spotify (and it’s coming soon to Audible and other major platforms. 😊), or
  👉 Moorr. Here’s how:
  • Create your free Moorr account here
  • Head to MyKNOWLEDGE in the menu
  • Scroll down to "Pro Content" and you'll find the Audiobook of How to Retire on $3,000 a Week. 
• Watch the Charts & Data Walkthrough
  If you’re listening on audio, make sure you catch the visual deep dive comparing Townsville vs Brisbane, including 44 years of data, growth cycles, and volatility charts.
  👉 📺 Watch on YouTube
   
• Read The Westpac–Melbourne Institute Consumer Sentiment survey >>  
• Resource from Ben’s “What’s Making Property News”: How multicultural is your suburb? 
• Guests & Episodes Mentioned:  563 | Property Crash: The Surefire Way to Collapse the Market  

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:
- Website
- Instagram
- Facebook
- Youtube

What happens when the life you planned… suddenly isn’t?

In this powerful throwback moment, Bryce chats with former NRL player Matt Srama, who opens up about the identity crisis that came with an unexpected early retirement — and the mindset shift that helped him find clarity on the other side.

For the original episode, tune in here: Episode 270 | How to Recover When You’ve Lost Everything.

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:
- Website
- Instagram
- Facebook
- Youtube

There’s a surge of new buyer’s agents flooding the market… 

Some are brilliant, ethical and genuinely helping buyers win in tough conditions. 

But others? They’re charging upfront fees, disappearing on clients, buying properties sight unseen... and even recommending complex trust and super structures they’re not licensed to advise on. 

So how do you tell the difference between a trusted advocate and a fast-talking spruiker? 

To help us cut through the noise, we’re joined by someone who’s leading the fight for higher industry standards: 

Welcome Melinda Jennison, President of REBAA (Real Estate Buyers Agents Association of Australia) 

In this cautionary episode, we unpack: 

❌ The red flags to look for BEFORE you hire a buyer’s agent 
⚖️ The licensing loophole allowing unqualified operators to cross borders 
💸 Ghosting, pressure tactics & “kickback referrals” you’ll never be told about, and more! 

Tune in now.

FREE STUFF MENTIONED

• Want a smarter way to track your investment properties (without spreadsheets or chaos?)
  We’ve just launched the new Property Management tab inside Moorr, built by investors, for investors. If you’re managing even one property, this will save you hours, and if you’ve got a portfolio, it’s a complete sanity-saver.
  👉 Find out more here >> 
  👉 Login or create your free account here >>  
• “How to Retire on $3K a Week” Audiobook is almost here!
  If you prefer to listen rather than read, make sure you’re on the early access waitlist. Pop your details in and you’ll be first to know the moment it drops!
  ✅ Join the waitlist >> 
• Watch the 9 NEWS video: Are Property Investment Social Media Posts too Good to be Ture? 
• Listen to Melinda’s podcast >> Brisbane Property Podcast  
• Downloads PIPA’s 2025 Sentiment Survey >>  

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:
- Website
- Instagram
- Facebook
- Youtube

In this TPC Gold episode, we rewind the clock to a timeless chat with our very own Ben Kingsley — recorded just after he won Property Investment Advisor of the Year for the second year in a row.

While the awards are worth celebrating, what makes this conversation truly evergreen is the insight into why great property advice matters, and how to spot it. 

For the original episode, tune in here: Episode 36 | Journey of the Property Investment Advisor of the Year.

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:
- Website
- Instagram
- Facebook
- Youtube

This episode is a big community service announcement wrapped in a Q&A session! 

We unpack a listener’s cautionary tale about high-pressure “systems”, dig into whether West is still best, and tackle the surge in trust-based strategies promising “unlimited borrowing capacity”.   

Plus: a Mindset Minute reset, a simple hotel sleep hack, and what first-home buyers most regret about their home loans. 

Full show notes here 👉 https://thepropertycouch.com.au/ep567-qa-trusts-smsf/ 

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:
- Website
- Instagram
- Facebook
- Youtube

When it comes to structuring your property loans, the offset account is one of the most powerful tools in your arsenal. But how many should you actually have?

In this bonus episode, we’re diving into a question from long-time listener Alan, who’s wondering whether he needs to set up a second offset account for his next investment property.  

For the original episode, tune in here: Episode 259 | Q&A: A Tax-Saving Hack for An Offset Account, The Simplest Way to Keep Track of Your Properties and How to Distinguish “Emotional Value” from “Property Value”

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:
- Website
- Instagram
- Facebook
- Youtube