The Property Couch

In this Friday Fundamentals episode, Ben is joined by Glen James to explore one of the most overlooked ideas in wealth creation:

The best investment is often in yourself.

From pay rises and career growth to business income and automated investing, this conversation unpacks why the biggest returns early on often come from increasing your earning power — not from chasing speculative returns in a small portfolio.

Glen explains how human capital becomes real capital, why personal contributions matter so much in the early wealth-building years, and why improving your income can be one of the safest and most effective ways to grow your financial future.

If you’ve been focused only on products, platforms or properties, this episode is a useful reminder that the real engine of wealth may be much closer than you think.

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

00:24 – Welcome back to Friday Fundamentals
00:54 – Glen’s hill to die on
01:17 – Why the best investment is in yourself
01:45 – The $10,000 portfolio thought experiment
02:36 – Why chasing huge returns can mean huge risk
03:03 – What a $10,000 pay rise really means
03:49 – Why career growth is a low-risk wealth lever
04:44 – How long-term earning power compounds
05:22 – Why your own contributions do the heavy lifting early on
06:18 – The difference between earning more and capturing more
07:12 – The waterfall analogy for income
08:00 – Business as a wealth-building engine
09:19 – When it becomes a career discussion, not a job discussion
10:03 – Final thoughts and practical takeaways

LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 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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Is fear quietly influencing your investment decisions? 

With today's market creating uncertainty, it's easy to second-guess yourself. Headlines, market sentiment and endless opinions can make even experienced investors hesitate. 

In this episode, Ben is joined by high-performance coach Brett Burton and KD, Couch Crew, to unpack the psychology behind successful investing—and why your biggest challenge isn't always the market... it's often your mindset. 

You'll discover: 

• Why uncertainty causes even experienced investors to hesitate 
• The mindset loop that drives every financial decision 
• How to separate facts from fear during changing markets 
• Why patience often outperforms perfect timing in property and personal finance 
• Practical strategies to build confidence and make better long-term investment decisions 

If today's headlines have you questioning your next move, this episode will help you zoom out, think clearly and answer, “Is the market driving your decision... or is fear?”  

FREE STUFF MENTIONED

• 💡 Inspired by Brett's insights?  
  Leadwell People delivers engaging leadership, wellbeing and high-performance programs designed to help individuals and teams thrive.
  👉 Learn more and explore Brett’s programs today.
• 💻 Never Miss a LIVE Webinar  
  Be the first to hear about our upcoming webinars and live Q&As, packed with practical property and money insights.
  👉 Get Webinar Updates  
• 🧠 Book Recommendations:   
  • Thinking, Fast and Slow by Daniel Kahneman 
  • The First Rule of Mastery: Stop Worrying about What People Think of You by Michael Gervais   
  • Atomic Habits by James Clear  
• ️🎧 Episodes Mentioned:   
  • 261 | How to Hack Your Habits to Make You a Better Money Manager – Chat with James Clear  
  • Ep. 500 | Why FOPO Holds Us Back & What to Do About it!

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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When starting your property investment journey, it’s easy to get pulled in every direction.  

One person says Brisbane is the place to buy. Someone else suggests Melbourne. And before long, the question becomes: Which market should I pick?  

But as Bryce and Ben unpack in this Throwback Tuesday episode... that might not be the best place to start. The real question is: What do you need this property to do for you?  

For the original episode, tune in here: Episode 272 | The Unspoken Truth About Growth Corridors & Picking the Right Property Investment Strategy. 

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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Welcome back to Friday Fundamentals on The Property Couch.

In this episode, Shane and Ben tackle a question that’s suddenly everywhere:

Are investors about to make emotional decisions they’ll regret?

From panic-selling regional properties to suddenly chasing yield, off-the-plan deals, or “safer” tax-driven strategies, there’s a lot of emotion in the market right now.

Shane and Ben unpack why fear-driven decisions can be dangerous, why “doing something” is not always the same as doing the right thing, and what investors should actually be looking at before making a move.

They also explore what people in regional markets should be tracking closely, how to think about supply and risk, and why growth still matters more than a reactive strategy shift.

If you’ve been asking yourself whether to sell, hold, or completely rethink your approach, this is one worth watching before you make any big moves.

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

#ThePropertyCouch #PropertyInvesting #RegionalProperty #MoneyManagement #PropertyStrategy

⏱️ Timestamps

00:25 – Welcome back to Friday Fundamentals
00:39 – The big question: are investors about to make emotional decisions?
01:10 – Why fear is showing up so strongly right now
01:26 – The first panic response: should I sell?
02:11 – The second panic response: chase yield
02:30 – What to do before making any big decision
03:12 – Why goals, timelines and risk tolerance matter
04:11 – What regional investors should be doing right now
04:49 – How to track your local market properly
05:46 – When to get professional advice
06:06 – Are people about to make emotional buying mistakes too?
06:24 – Why chasing yield overnight can go wrong
07:06 – Tax benefits vs financial outcomes
07:48 – Final takeaway: have the emotion, not the emotional decision

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 separates people who successfully build wealth through property from those who stay stuck? 

After thousands of coaching sessions, buyer enquiries, property purchases and podcast interviews, John Pidgeon has seen the patterns firsthand. 

John is the Director of Envisage Property, co-host of the property podcasts This Is Property and a regular contributor on Money Money Money, as well as the bestselling author of Sort Your Property Out & Build Your Future. Over the years, he's helped thousands of Australians navigate their property journey through coaching, buyer's advocacy, lending strategy and education. 

He’s joined by Ben Kingsley and Couch Crew Luke Oxenham to unpack the biggest lessons from more than 10,000 property conversations, including the mindset shifts successful investors share, the mistakes that quietly hold people back, and why taking action often matters more than finding the perfect strategy. 

You'll learn: 
✔️ The common traits successful investors share 
✔️ Why procrastination can be your most expensive mistake 
✔️ The role mindset, action and leverage (not just borrowing leverage, either!)
play in wealth creation 
✔️ How to think about property during uncertain times 
✔️ The questions investors are asking right now in 2026 
✔️ Why wealth building is a process, not an event   

Because as John explains, after 10,000 property conversations, success rarely comes down to finding the perfect property — it comes down to making consistently good decisions over time. Listen now!  

FREE STUFF MENTIONED

• 📊 Get EOFY Ready With Moorr
  Still using spreadsheets to manage your investment properties? With EOFY Get EOFY-ready with Moorr. Track expenses, mortgages and ATO categories in one secure platform, built specifically for property investors.
  👉 Free on web and mobile. Get started today 🚀  
• 🤝 Find out more about John Pidgeon
  Want to learn more? Connect with John through Envisage Property, This is Property podcast, or check out his bestselling book, “Sort Your Property Out & Build Your Future.”  

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

You’re not just the actor in your story. You’re the person who can rewrite the script.

In this Throwback Tuesday episode, Bryce and Jaemin Frazer unpack how the beliefs we carry about ourselves can shape our confidence, identity and future... and why real change starts when we stop being a passenger in our own lives.

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

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 >>

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

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 >>

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 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 >>

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 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 >>

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