The Property Couch

Welcome to the first bonus episode of 2025!
 
In today’s snippet, we’re answering a question from listener Lou, who’s wondering: Is living off equity a smart strategy for early retirement—or a risky move? 

Bryce & Ben break down the pros and cons of borrowing against equity, why passive income is key, and how having the right exit strategy can make all the difference. 

For the full Q&A episode, tune in here: Episode 147 | Q&A – What’s Your Exit Strategy? Are You Retiring or Have You Bought a “Dud”? 

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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“I’ve definitely (got) no regrets and very excited for what the future holds...”   
- Jonti   

Folks, this inspirational quote is from our LAST Summer Series guest for 2024/25 who, by the age of 32, has survived and grown from experiences and horrors most of us can only imagine...   

With a new business, a flourishing property portfolio in Australia and a recent purchase of his dream $1.9M home, it seemed like Jonti had his life in order.  

That is until his life-altering accident. 

Tune in now to find out Jonti not only survived but thrived after instantly becoming a paraplegic – all while juggling his own business, debt levels and a relationship breakdown to come out with his positive outlook above.   

P.S. A heartfelt thank you to each of our incredible guests for sharing their inspirational stories. We’ve absolutely loved sitting down, listening, and learning from your journeys. These moments are what make this series so special. ❤️   


FREE STUFF MENTIONED

• Free resources to get in control of your money and take action like our Summer Series guests:   
  • FREE MONEY MANAGEMENT APP
    Download Moorr, your new home for all your financial affairs. Get started today >>    
  • FREE INITIAL CONSULTATION
    Sit down with our team of investment-savvy specialists! We offer the complete wheelhouse for all your property needs. Get in touch today >> 
  • FREE E-BOOK
    Download Make Money Simple Again, your free instruction manual for our rules-based money management system, MoneySMARTS, which is guaranteed to trap surplus and requires less than 10 minutes a month to manage.   
      
    Plus, keep your ears peeled for more information on our third book from the series... 😉    
• Thank you to all our amazing 2024/25 Summer Series guests!  
  You can find our entire collection of Summer/Winter series guests here if you’d like to re-listen or hear from our previous guests!   

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
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- Youtube

Catherine grew up in a household where money was scarce, and financial stress was the norm. As the daughter of a seasonal worker, she experienced the instability of transient living first-hand, moving between 13 schools growing up. 😮  
This would deeply influence her later financial decisions...  

Determined to break the cycle of financial hardship, Catherine and her husband, Jeff, took action in their late 30s and 40s.     

Despite only having a $10,000 deposit and facing Jeff's pre-existing financial hurdles, they rolled up their sleeves and began renovating their way to financial peace.  

So how did they make the big leap onto the property ladder and overcome Jeff's financial difficulties, which opened their eyes to lending limitations?!    

If you want a masterclass on how to apartment shop in Sydney and how this power couple has built a successful five-property portfolio after only starting later, listen to this episode now!!   

FREE STUFF MENTIONED

• FREE WEBINAR REPLAY
  New Year, More Money: Habits to Master Your Finances with Moorr!
  Did you miss our latest webinar on effortlessly trapping surplus cash on autopilot? Discover the practical steps to make it happen in 2025 and turn your financial goals into a reality! Watch it now >>    
          
• How did Catherine and Jeff manage to build a 5-property portfolio despite starting later in life?
  Discover how they leveraged Moorr, the autopilot money management system, and tapped into expert professional services to make it happen in our Free Resources.

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

Today’s Summer Series guest is the true definition of a transformation story. 🌟 

From growing up with immigrant grandparents who valued frugality and “mortgage-first” thinking to racking up debt and making costly property mistakes, Jason’s story is one of hard-won financial security. 

He told us, “At 49 years old, it’s the first time I’m feeling financially secure.”  

Folks, you have to listen to this inspirational story that sees Jason and his family hit the financial reset button, thanks to MoneySMARTS... 

And it transformed everything. 💪 

Listen now to hear how he’s turned his financial situation around within a decade, is teaching his children healthy money habits and feels financially free. 

It’s an episode that brought us to tears. Give it a listen now!  

FREE STUFF MENTIONED

• FREE WEBINAR: How to Set Up MoneySMARTS for Your Success in 2025!
  7:30 pm (AEDT), Tues, 21 Jan  
  Are you new to trapping surplus – on autopilot? Come along to our exciting webinar, which explores how Moorr makes this easy for you – just as that New Year’s motivation starts to wane. Reserve your seat now >>   
  
  
• Watch all our webinar replays on Moorr’s Learning Centre.  
  From all the exciting features launched as part of MoneySMARTS 2.0 to the best tools in Moorr for the job, check out our library now >>  
  
  
• Guests and episodes mentioned:  
  200 | Paul Clitheroe – Timeless Wisdom from the Original “Money” Guru 

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

Raised by parents who instilled a hardworking, “DIY” mindset, Adam, today’s Summer Series guest, kickstarted his property journey at just 22 years old. 😮  

Skip forward just over a decade, and he now owns a $3.4M portfolio and is living his dream lifestyle by design, including taking spontaneous month-long fishing trips. 

His journey, however, hasn’t come without hard work and struggle.  

Tune in to hear how this inspiring rentvestor... 
✅ Positioned himself to achieve “the holy grail” of financial freedom 
✅ Embraced self-education – even from blokes two decades older than him 😉 
✅ Overcame Australia’s “tall poppy syndrome” and much more!  

Plus, stick around to hear Adam’s clever strategy for overcoming his lending cap – and how you could use it to keep growing your portfolio too!  

FREE STUFF MENTIONED

• Got a property portfolio and are also experiencing intellectual isolation? Reach out to Adam on socials or join our Make Money Simple Again Facebook community to meet other like-minded property investors!  

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

 Yep. Today’s guest has lived in 19 different rentals since turning 18...😱😱😱 

Within three years, however, she’s transformed her outlook from believing that old, run-down units were “all that she deserved” to self-funding her forever home on a single income!!    

Today on the couch is Carolyn, who takes us on a journey from pursuing a non-traditional career in the creative sector to building an alter ego that kickstarted her journey to achieving the greatest outcome of all – Financial Peace.  

Her story reveals the transformative power of self-belief, why it’s so important to leverage the schemes and savings available for first-home owners and… 

The secret of how she went from saving $50 to $500 a fortnight!?    

We’ve saved one of the most inspirational episodes for our first episode in 2025. Tune in to discover how Carolyn used her lost epiphany to become a proud homeowner!  

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

Have you ever heard of a 13-year-old who chose to read finance self-help books on blue chip investments and negative gearing...over reading Harry Potter? 📖💰💼📈 

This is the story of Sarah, a resilient and money-savvy investor who’s self-labelled herself “The Queen of Delayed Gratification.”  

And there’s a good reason for that!  

In our last episode for 2024, we get to unpack her eye-opening story from the unfortunate series of accidents that left her $20G in debt, and how she still managed to save for a home deposit, while supporting her mother and family.  

And this is just one chapter from her story!  

Tune in to hear:
✅ Why you should NEVER sell your first home (and why Sarah pushed the button)
✅ Don’t prioritise paying your mortgage first 
✅ Understanding the 6-year-rule: Why it matters!! 
✅ Speculative shares, investing in Bali, and why saving $300 for a camping coffee machine is important! 

FREE STUFF MENTIONED

• Give the Gift of Sight 
  To celebrate this milestone, Bryce is turning his birthday into a life-changing mission – hosting a charity event in Bali to fund eye surgeries for those in need. 
  
  What’s in it for you? 
  Join the TPC crew for an unforgettable 3-day Bali experience! Witness life-transforming eye surgeries firsthand and dive into an exclusive property investing mastermind session with Bryce and the team. 
  
  In partnership with the John Fawcett Foundation, your involvement will help provide glasses, eye medicine, and free cataract surgeries—restoring sight and changing lives forever. Find out more or register your no-obligation expression of interest today!  
  
  
• Make your financial New Year's resolutions a reality with Moorr
  Start using the only money management app you need for all your finances. Guaranteed to trap surplus in less than 10 minutes a month, begin 2025 with the most efficient and effortless money management system.
  
  Download Moorr the app in the App Store or on Google Play, or create your free account today >>  
   

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

How do you feel about making a decision when you don’t know how the story ends? 

This thought-provoking question from Bryce captures the essence of our latest Summer Series episode, where today’s guest, David (or Dave), shares how he set himself apart by doing something simple yet powerful: 

📞 Picking up the phone. 

As we wrap up for Christmas, we’re bringing you an inspiring story that highlights the life-changing power of action.  

From selling his car to fund a mortgage, trading properties across borders, and even reflecting on the opportunities he missed—David’s journey is filled with valuable lessons. 

It’s an episode for anyone who’s ever envied those “BBQ success stories” and wondered what separates the doers from the dreamers. Listen now!

FREE STUFF MENTIONED 

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 weren’t criminals by any means, but that’s just how it was.” -Clinton 

Growing up, today’s inspiring Summer Series guest, Clinton, faced such strong feelings of embarrassment and a reality with little to no money.  

His family couldn’t afford car registration — and the fear of fines led them to "duck their heads and pretend we were in an empty car."  

That lasting feeling of shame, a five-figure bank receipt, and a memorable Christmas present became the catalysts that set Clinton on his journey to financial freedom. 

In this special episode, you’ll hear: 
✅ The life-changing personal loan that changed his perspective on debt 
✅ Dodging spruikers: How Clinton self-educated and built his property knowledge 
✅ Breaking into the Cairns property market: How Clinton and his partner, Alana, took this competitive leap 
✅ Saving more WITH a mortgage: The strategy that’s helping them save for their next investment and stay focused on their financial North Star

For a motivational story about the power of self-determination, the importance of mentors, and how one small town can change your life, tune in now! 

FREE STUFF MENTIONED: 

• New Book Incoming:  We’re updating our best-selling book, The Armchair Guide to Property Investing. If you haven’t read it yet, download your free copy now and keep an ear out for the new and improved version in 2025!  

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 FINAL RBA Cash Rate Announcement of 2024 is here! 

Join Ben Kingsley and Evan Lucas as they dive into the RBA’s latest decision and discuss economic trends from Australia and around the world. 

Here’s what they cover: 

• 📺 The RBA’s Cash Rate Decision: Find out all about the Reserve Bank of Australia’s latest cash rate decision, as announced at 2.30pm (AEDT) today! 
• 🏠 What's Happening Back Home?: The current state of the Australian economy, focusing on GDP growth, productivity challenges, government spending, and the implications of RBA's monetary policy.
• 📉 What's Concerning Us at the Moment?: Business confidence has dropped significantly, indicating economic concerns.
• 🌍 Trump's Back! Now What?: Trump's return to power could reshape U.S. economic policies and global trade dynamics.
• 🌱 Property Tips!: Practical takeaways for property investors and homeowners.

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