The Property Couch

Bryce Holdaway & Ben Kingsley•thepropertycouch.com.au

Each week, Bryce Holdaway and Ben Kingsley bring their conversational style to The Property Couch, where they educate their community on the fundamentals of property, finance, and money management. They delve into the latest industry data, trends, and best practices, making complex concepts understandable and engaging.

Since its launch in February 2015, The Property Couch has become Australia’s premier property investing podcast. Bryce and Ben draw on over 25 years of personal investing experience and extensive work with thousands of clients through Empower Wealth, their multi-award-winning national property and wealth advisory firm.

With a consistent ranking in the Top 5 of the Investing Category charts and an impressive 4.8-star rating from more than 2,300 reviews on Apple Podcasts, The Property Couch is essential for anyone serious about building a passive income through property investing.

As best-selling authors of two books, Bryce and Ben don’t hold back in sharing their deep knowledge, personal experiences, and lessons learned including both their successes and their mistakes. Known for their fun banter, they make learning about these topics enjoyable and insightful.

But the podcast isn’t just about Bryce and Ben. They love learning from others too, and regularly bring in top minds from Australia and around the world to discuss topics like property, economics, lending, money management, investing mindsets, high performance, and habit and behaviour building.

Their true mission? To help you achieve financial peace and live your ‘Lifestyle By Design.’ They’re so dedicated to your success that they’ve even developed Moorr, a free money management app designed to help you set and achieve your goals, manage your finances, oversee property investments, and track wealth creation over time.

As Ben often says when wrapping up each episode, “Knowledge is empowering, but ONLY if you act on it.”

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Episodes

276 | COVID-19 & Property Outlook

There’s no doubt that every one of us is impacted by COVID-19 — the coronavirus pandemic — that’s practically everywhere right now. So, today’s episode is all about navigating the uncertainty of COVID-19 and lifting our eyes so we can see the bigger picture BEYOND the short-term contagion — and the social contagion — that’s currently going on. Our message remains the same as our first episode on the coronavirus — to spread calm and connection right now. If you’re cashflows allow and your job sec...

Mar 19, 2020•1 hr 18 min

275 | 7 Grades of Financial Wellbeing - Which one are you?

Where do you sit on the ladder of financial success? In this episode, we’re unpacking a brand-new framework that outlines the seven grades of financial well-being … so you can self-assess your financial health in a way you’ve never been able to do before! Here’s the deal, folks... There’s actually nothing out there like this. ‘Cos what we’re about to discuss is the overarching framework of ALL the frameworks we’ve ever gone through over the last five years. It goes something like this… There’s a...

Mar 12, 2020•1 hr 20 min

274 | Coronavirus Special: Keep calm and carry on!

With the Coronavirus outbreak spreading across the globe and impacting the economy, it begs the question… Is buying property right now still a good idea? Because when widespread contagions like the Coronavirus break out, they snowball into something else that’s also highly contagious… irrational human behaviour. So, our intention with this special episode is to separate facts from fiction so we stay informed about what’s really going on here without exasperating the issue until we have a crisis ...

Mar 05, 2020•34 min

RBA March 2020 - The Coronavirus Spreads Right Across The Economy

It’s the first Tuesday of the month which means the RBA Board has met and announced the official cash rate! And to no surprise, they’ve decided to cut it by 25 basis points to 0.5%. Now, this commentary features Ben’s update on the cash rate as well as the biggest impact on the data this month… “COVID-19”, aka… The Coronavirus! As you’re probably aware, the coronavirus has NOT slowed… in fact, it’s definitely leaving its mark on the economy… globally, as well as here in Australia. To give you an...

Mar 03, 2020•19 min

Bonusisode with Nerida - RED Rooster & Property Prices?! 🐔🏡

Folks, it’s officially March AND today’s Facebook LIVE with Nerida Conisbee, Chief Economist at realestate.com.au was like no other!! So… what did we chat about? Here’s a rough list! COVID-19 and what does it really mean for ordinary Aussies? Will it cause a recession? Why strong growth in debt is worrying for economic growth? Are we looking at a housing undersupply in Australia? Does dropping rates really have an impact given they are so low already? Is Perth recovery here yet? Are the price gr...

Mar 02, 2020•45 min

273 | Calling out the Bad Guys - How we Found our Voice & Our Top 5 Frameworks to Defend Against Bad Advice

The property industry is unregulated. What this means is that there are more than a few Bad Guys – and not just the sharks in white shoes – out there who slither under the radar and sell dodgy advice that, quite frankly, moves their wealth position and not yours. This is what keeps us showing up every Thursday. This is what started this podcast in the first place. And if you’ve been with us for a while, you’ll already know that The Property Couch is “the people’s podcast” – we’re on a crusade to...

Feb 27, 2020•1 hr 13 min

272 | Q & A: The Unspoken Truth About Growth Corridors & Picking The Right Property Investment Strategy

How many times have you heard something along these lines…? “This suburb’s a growth corridor…”“There’s heaps of development happening here… it’s the next growth corridor.”“With all the new public transport networks, job opportunities and shops coming in, this place is absolutely a growth corridor… full of investment potential .” With all this buzzword talk, it’s would appear that all us property investors need to do is hunt down the next “growth corridor”, invest in it before it really kicks off...

Feb 20, 2020•52 min

271 | Property Outlook and Hotspots To Watch in 2020

Who wants to know what’s in store for the property market in 2020? Think Hot Spots. Suburbs to watch. Capital city drive by. Property Predictions!! Sure, we know all of this property outlook stuff is a bit “crystal-bally” folks… BUT we also have some cool data up our sleeves that are backed by some serious research! So today we’re gonna give it a solid crack at letting you know what we think is going to happen this year! And not only are we going to do a “fly around” of the entire country so we ...

Feb 13, 2020•1 hr 3 min

270 | How To Recover When You’ve Lost Everything - Chat with NRL Star Matt Srama and Jaemin Frazer

“The aim of the game is to learn how to fill your own cup… to do the adult work.” – Jaemin Frazer Matt Srama lost everything. But then he did something that would turn this loss into a profound learning experience. And his life has dramatically changed as a result. The question for you is… have you ever wanted to change something in your life, but found yourself getting in your own way? Maybe you keep repeating the same bad habits that are interfering with the result you really want . Or maybe y...

Feb 06, 2020•1 hr 22 min

RBA February 2020 - Bushfire Crisis, Coronavirus & Our Economic Outlook

The start of the decade doesn’t look great at the moment. At the end of last year, we faced with a bushfire crisis domestically and now, internationally, we are looking at a coronavirus outbreak. So, what’s in store for this month’s RBA Cash Rate Decision ? Here’s what Ben will be unpacking in this month’s session: The impact of the bushfire crisis, drought and coronavirus to Australia’s Economy The US-China have sealed Phase One of the deal. What will we be expecting from now onwards? Brexit an...

Feb 04, 2020•19 min

Bonusisode with Nerida - What's the MOST IN-DEMAND suburbs for upsizers?

Our first Monthly Economic Outlook with Nerida Conisbee, Chief Economist of realestate.com.au and we’ll be talking about some serious updates folks! There have been some major events this couple of months so make sure to tune in. Here are some of the topics we touched on today… Will rates be cut this week? Most in-demand suburbs for upsizers Updates on BREXIT and the US/China Trade War How will the coronavirus outbreak impact Australia’s Economy Why are listings hard to predict? Update on the pr...

Feb 03, 2020•30 min

269 | Gamifying The Race To Retirement: Granny Flats, A Garage Full of Cars, And An Ex-Seller of House & Land Packages – Chat with Athena Anca

Put your hand up if you want to fast-track to the day when you can choose whether to go to work or not? Okay. Hands down. Most folks — probably early morning on a Monday when the alarm goes off — have thought it’d be nice to have the option to roll back over… or simply get out of bed and have the whole day to do whatever you want, without worrying about where the money’s going to come from. So that’s why today’s guest is gamifying the race to retirement — that is: she’s turning money management ...

Jan 30, 2020•50 min

268 | From Fear of Property Investing to Three Properties By 29 – Chat with James

When James McLellan was a kid, money was an issue. To the point that it ultimately resulted in his parent’s separation. You see, today’s guest grew up in a small country town of about 1,200 people — and ever since he can remember, money was a stressor. To make matters worse, his mum tried her hand at investing, choosing to self-manage her property, which unfortunately was tenanted by folks who had money problems of their own. The result? Even more pressure on the family finances. So not only was...

Jan 23, 2020•45 min

Bonusisode - Would you like to be a Buyers Agent?

Let’s cut to the chase folks! Yes, we are hiring. You’ve probably heard us mentioning our parent company, Empower Wealth a few times in the past. Our company is growing rapidly and we are currently looking for a Buyers Agent for our Melbourne office! So…. Do you have a passion for property or have been listening to the podcast, and loved it? Or if your current job isn’t fulfilling for you or it’s not allowing you to be that person who wants to help others achieve their goals and dreams? Or do yo...

Jan 22, 2020•1 min

267 | The Unorthodox Twist To The Money SMARTS System & Why It STILL Works – Chat with Brendan

“I needed to set something up so it’s essentially on autopilot and I’m protected from myself.” Brendan Gale and his partner Marrissa have an unusual way of running our Money SMARTS system that we think is pretty cool. At first, this unorthodox twist made us go “Woah, what?!” and we kinda struggled to wrap our heads around it (we’re old school, folks)! But as you’re about to hear…. this surprise twist to the Money SMARTS system STILL works… and they’re trapping more surplus than ever before (just...

Jan 16, 2020•39 min

266 | The Wake-Up Call That Demanded Change and How She Used Money SMARTS To Get Back On Track – Chat with Keren

“Your eyes are over every cent.” Before we switched on the microphones, TPC listener Keren White wasn’t sure if she’d have anything ‘worthwhile’ to share. But just like every other guest in our Summer Series, her real-life experience with the fundamentals we’ve been teaching is nothing short of extraordinary! So when we hit go on record, she absolutely kicked into second gear and held nothing back… which means you’re about to be in for a ‘Wow, really?!’ ride… Here’s her story in nutshell… Keren ...

Jan 09, 2020•51 min

265 | The Incredible Money Transformation That Happened In Less Than 18 Months – Chat with David

It was mid-2017 when David List and his wife, Lisa, decided to purchase their first investment property . But a few days into the settlement, and feeling a bit of buyer’s remorse, David did a quick Google stalk to see what else he should probably know about investing… and that’s when he stumbled upon these two middle-aged larrikins riffing about property, finance and money management!! From there, we’d like to think it became an immediate love story with The Property Couch … but, truth be told, ...

Jan 02, 2020•59 min

264 | How $4,000 Turned into Six Properties - Chat with Joey

When he bought his first investment property, Joey D’Agata was too nervous to do his own bidding. But, flash forward four years, and he’s now self-built a high-income producing portfolio consisting of SIX properties. And, even more impressive… he’s only 26!! So folks… how on earth did Joey make this happen for himself? Especially considering the fact that when he first started saving, he was earning less than $50,000 a year and was seriously concerned that someone in their twenties wouldn’t be a...

Dec 26, 2019•53 min

Free Money FIT Access - Find Out How YOU Compare To Everyone Else in Australia: Brand New Feature Available Now

So… Have you ever wondered… How do you match-up financially for your age? How do you measure-up to other households like yours? How are you tracking compared to others? If you have, that’s great!! We’re thrilled to announce this new update on Money FIT which allows you to… Compare household incomes Compare household total expenditure Compare down to each expense item level i.e Your Grocery spend vs. Others Surveyed Getting excited (or nervous) about the prospects of finally get a far better idea...

Dec 20, 2019•7 min

263 | How A Bag of M&Ms Set The Foundation For A $120,000 Passive Income – Chat with Keno

It turns out a bag of M&Ms has the power to build a passive income… Sure, there are a few more steps to get from “A bag of M&Ms” to “A passive income”… but you can bet on the fact that it does NOT take away from today’s epic storyline! And it’s one heck of an epic storyline that involves not JUST a packet of chocolates… but also 50 cents… a half-year-long sabbatical and… wait for it…. a property portfolio consisting of only TWO INVESTMENT PROPERTIES that will deliver $120,000 passive inc...

Dec 19, 2019•46 min

262 | Before & After: From “Scared and Sold Everything” To Financial Peace – Chat with Gabby

“80% of winning is beginning” When Gabby first invested in property, she lost her nerve and pulled the pin early … she sold everything. And a very big reason she got rid of the lot was simple and actually pretty common — she didn’t have enough confidence that she could “weather the storms” accordingly. But then she found Money SMARTS , our simple 7-step money management system… and now Gabby’s life — as well as that of her husband and their 11 and 13-year-old kids — looks a WHOLE lot different!!...

Dec 12, 2019•46 min

261 | How to Hack Your Habits to Make You a Better Money Manager - Chat with James Clear

Have you ever wanted to create better habits… and have them stick for the long term… even when your willpower is gone?? If you’re like us (and practically every other human on the planet), chances are you probably have! Despite the best of intentions, at some point or other ALL of us have struggled to stick with positive routines or follow through on what we said we’d do! So, folks, imagine if right now you were about to get an easy and proven way to build good habits AND break bad ones ….. well...

Dec 05, 2019•1 hr

Bonusisode - The Four Critical LEVERS to Financial Peace and... a Free Book! 😊

The process of building wealth is like operating an excavator truck. http://bit.ly/35CWlOX What do we mean by that? An excavator comes with a few levers that you’ll need to push and pull to make sure that it’s doing what it’s meant to do. So in this Facebook LIVE, Bryce and Ben share four levers that you’ll need to adjust to achieve your own specific and unique end goal. And the faster you can adjust each of these levers, the quicker you’ll get to your goal. Tune in to this Facebook LIVE to lear...

Dec 03, 2019•10 min

RBA December 2019 - Two Big Stories from the RBA

It’s the final cut of the year folks! Did you know… for 34 months between August 2016 and May 2019, the cash rate was on hold at 1.5%? And just this year alone, we’ve got three cuts! More about that in today’s RBA Commentary. Now, what’s in store for this month’s RBA Cash Rate Decision? Here’s what Ben will be unpacking in this month’s session: What’s forecasted for the Global Economy in 2020 RBA’s Unconventional Monetary Policy – What they thought of 2019 and what they have in mind for 2020 Upd...

Dec 03, 2019•25 min

260 | Q&A: Picking The Right Investment Strategy and Beware: Proposed Changes to QLD Residential Tenancy Act

How do you know if you’re following the right investment strategy? Like… how long are you meant to wait until you buy the next property? And how much should you look at spending? OR what about all the variables in the mix — say, you or your partner is about to take maternity leave, or your overall aim is to leave a decent inheritance for the kids? And where do cashflow-positive properties fit in to all this? (And what even are they??) We get it folks… there’s A LOT to consider when it comes to p...

Nov 28, 2019•56 min

Bonusisode with Nerida - Will we ever see interest rates high again? 😥

The cash rate in Australia has never been lower and most mortgage holders are paying a lot less on their loans than they were a year ago. With banks being urged to lend more and consumers and business being urged to borrow, how likely are we to see rapid interest rate rises and will they ever get back to double digits? That’s exactly what we’re chatting about in our Facebook LIVE with Nerida Conisbee, Chief Economist for REA Group. Of course, that’s not the ONLY thing we chatted about. Here are ...

Nov 25, 2019•32 min

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”

This Q&A session (brought to you by The Stig) features everything from the BEST benefit of an offset account that most folks don’t know about to building your own home from scratch. We tick off a few new topics and cover… A Tax-Saving Hack For An Offset Account How To Distinguish “Emotional Value” from “Property Value” Why Building a “Forever Home” Is NOT The Same Thing As Investing The Simplest Way to Keep Track of Your Properties Property Software Solutions for Existing Property Investors ...

Nov 21, 2019•49 min

258 | WARNING: The Unconscious Mental Triggers Property Spruikers Use To Trick You

Property investors who get seduced into Off the Plan and house and land packages are often seduced through a marketing process that targets universal, emotionally-driven mental triggers. And after heaps of folks wrote in about last week’s episode where we spoke of the perils of investing in these types of properties, we’ve decided that today we’re going to lift the lid on what exactly these mental triggers are. So people can spot the spruiker from miles away! Because there’s a VERY big differenc...

Nov 14, 2019•56 min

Bonusisode - 7 reasons why most investors fail...

If building a multi-million dollar property portfolio really only takes three or four properties …then why do most folk FAIL to buy one? If only three or four properties — maybe five, if you’ve got a shorter time frame — is all it takes to achieve a passive income for life, why aren’t most investors achieving their dream lifestyle and financial goals then? Why haven’t they got a successful multi-million dollar property portfolio??? Well, Ben and I nutted out these SEVEN reasons why this is so. A...

Nov 08, 2019•17 min

Bonusisode with Nerida - Is the oversupply in Sydney over?

A couple of weeks ago we had our regular Monthly Wrap Up with Nerida Conisbee, Chief Economist for REA Group. There are some amazing contents in this LIVE so we thought… why not share it with our community? As well as getting a “wrap” of the property market for the month of October, you’ll also get some very interesting insights into our economy (incl. where it just might go from here!) We discuss: Will the cash rate get to ZERO? Is the oversupply in Sydney over? What’s happening with “Rent Cont...

Nov 07, 2019•27 min

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