The Property Couch - podcast cover

The Property Couch

Bryce Holdaway & Ben Kingsleythepropertycouch.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.”

YT: https://www.youtube.com/@thepropertycouchaustralia

IG: https://www.instagram.com/thepropertycouch/

Episodes

RBA June 2024 | Australia Faces Slowest GDP Growth in Decades

Welcome to the fourth RBA Rate Release of 2024 with Ben Kingsley and Evan Lucas! Here's a sneak peek into what our hosts cover in today's episode: 📺 RBA’s Cash Rate Decision: Find out all about the Reserve Bank of Australia’s cash rate decision, as announced at 2.30pm (AEST) today! 📈 Australia's GDP Growth Woes : Australia’s economic growth has slowed significantly, with GDP growth hitting its lowest since the early '90s recession. But population growth is helping to keep t...

Jun 18, 20241 hr 11 min

498 | Chris Kohler: The Rise of the Cashless Society, Crypto & The Surprising Truth About Home Buying

In today's episode, we sit down with Chris Kohler, 9News' business, finance, and property reporter! 🎙️📈 As someone at the forefront of Australia's biggest economic headlines, we discuss the rise of the cashless society, investing in crypto and Chris' top advice to property investors. Tune in now! FREE STUFF MENTIONED BEN NEEDS YOUR HELP! Here‘s what you can do to help property investors: NSW’s No-Grounds Evictions: Action 1 - Complete the consumer survey against the No Grou...

Jun 13, 20241 hr 7 min

TPC Gold | Should I Build or Renovate?

Today’s bonus snippet is from an episode with guest Amelia Lee, the architect behind Undercover Architect – an award-winning online resource teaching folks how to design, build and renovate their homes. Tune in to the full episode here: Episode 249 | The 4-Step Framework to Renovate or Build Your Home…AND Enjoy It! In this TPC Gold soundbite, Amelia shares her thoughts on what you MUST consider if you’re tossing up between building new or renovating! Whether that’s determining your property&apos...

Jun 11, 20246 min

497 | Why NOT to Invest in Property Until 2036!

Seb and Bronnie (Note: Names have been changed for privacy) came to us with plans to invest in property but left with a completely unexpected strategy. Our advice: “DON’T invest in property until 2036”?! 😲🏡 And in our second case study, Adam and Jacinta had a solid investment plan until an unexpected event changed everything. Despite Adam’s financial expertise and their three investment properties, he found himself saying, “I can't work it out like I usually can.” So how did we help them ...

Jun 06, 20241 hr 6 min

TPC Gold | How to Build a Solid Wealth Plan

Today’s bonus snippet is from a previous episode on the 6 Critical Foundations Your Wealth Plan Should Be Built On . In this TPC Gold soundbite, Bryce & Ben discuss two of the non-negotiables when building your property portfolio and why it’s so important to get the foundations right! Take any iconic building you can think of as an example – whether that’s the Sydney Opera House or the Burj Khalifa. Chances are not many were going around taking photos of these structures when they were incom...

Jun 04, 20246 min

496 | Don't Sell the Goose That Lays the Golden Egg

In Episode 496, we're back with a jam-packed Q&A Day! Discover everything you need to know before investing in Victoria, from understanding the state's "blowout budgets" to navigating the biggest risks that make buying in Melbourne a “2030 conversation.” We also break down why the buy-and-hold strategy still works, even for single investors with lower incomes. (After all, would you sell the goose that lays the golden egg?) Plus, learn why housing shouldn’t be linked to in...

May 30, 20241 hr 4 min

TPC Gold | The #1 Money Rule for Life

Today’s bonus snippet is from our previous episode on The Three Money Rules for Life . In this TPC Gold soundbite, Bryce & Ben cover the #1 rule you should be following if you want to be successful at managing and growing your money! Tune in to find out what this rule is ( if you’re listening to the podcast, chances are that you might already be following it ), and which of the three types of “money people” you are… Listen to the full episode here: Episode 303 | The Three Money Rules for Lif...

May 28, 202410 min

495 | Ramit Sethi & Morgan Housel: Why They Don't Invest in Property!

Ramit Sethi and Morgan Housel: Two titans in finance and money management who don't believe in property investing?! It's your turn to ask the questions as we dive into a topic that's never been explored before on The Property Couch! From breaking down our verdict on these two financial gurus to revealing how you can mirror Ramit and Morgan's investing style, tune in to find out if we’re going against the greats! P.S. Stick around until the last question where we answer: Shoul...

May 23, 20241 hr 9 min

494 | "The Table of Truth": Everything You Need to Know About Property & The Budget

Folks, the 2024-25 Federal Budget has just dropped, so what does it mean for property investors and the broader economy? In this exciting episode, we’re unpacking everything you need to know about the new Budget and bringing in a leading financial market expert to help. Returning to the couch is Evan Lucas - economist, Moorr ambassador and author of the best-selling book Mind Over Money. Basically, we’ve brought in the big guns to tackle: 💰 Is this Budget economically or politically driven? 🏆 ...

May 16, 20241 hr 36 min

2024: The Golden Year of Tax Planning

Don’t forget to download the free Fact Sheet for a summary of what is covered in this episode! In today’s bonus episode, Ben is joined by esteemed guest expert Julia Hartman (founder of BAN TACS and Chief Technical Tax Advisor at Empower Wealth), and together they discuss tax planning strategies and why 2024 is the absolute golden year for tax planning ! Get actionable tips around superannuation contributions, learn the importance of maintaining accurate depreciation schedules, and maximize your...

May 14, 202456 min

493 | $160K Dilemma: Should I Walk Away From Paper Profits?

Emma's partner has a $160K dilemma: He's been offered a refund on an Off-The-Plan apartment that's been delayed for two years. Should he take the refund or ride it out for a potentially higher sell price? 🤔 Kieran faces the decision of investing in smaller units versus two individual homes. Which aligns better with his overarching goal to help others? 🌍 And in Simone's Retirement Plan: How does this single mum and schoolteacher with 5 properties reach a target of $2,000 per...

May 09, 20241 hr 17 min

RBA May 2024 | The Inflation Psychology Story

Welcome to the third RBA Rate Release of 2024 with Ben Kingsley and Evan Lucas! Here's a sneak peek into what our hosts cover in today's episode: 📺 RBA’s Interest Rate Decision: Find out all about the Reserve Bank of Australia’s cash rate decision, as announced at 2.30pm (AEDT) today! 📈 Australia's Inflation Challenges: The Q1 inflation rate is at a stubborn 3.6%, which is above the RBA's comfort zone of 2-3%. Find out why non-tradables like healthcare and rental housing ar...

May 07, 20241 hr 18 min

492 | The Hidden Cost of Get Rich Quick Schemes

What would you do if you worked 16-hour days on the road and were utterly exhausted the few days you were home? With a family to care for and a past of previous divorces, you'd probably want to change your lifestyle. But what if it'll cost you $42,000 A YEAR? 😱 Or, what if you'd made the #1 biggest investing regret of your life in a get-rich-quick scheme and had lost half a million dollars ?! How would you recover and get back on track towards a comfortable retirement? In this Ca...

May 02, 20241 hr 23 min

TPC Gold | Why Positive Thinking Doesn’t Work!

Today’s bonus snippet is from our conversation with Chris Helder – a certified practitioner of Neuro-Linguistic Programming (NLP), renowned public speaker, and author of Useful Belief , Re-Ignition , Cut the Noise , and The Ultimate Book of Influence. In this TPC Gold soundbite, Chris discusses the #1 obstacle that holds people back from achieving success! Tune in for invaluable perspectives on mindset and behavioural patterns that will help you balance and excel in multiple roles – whether in y...

Apr 30, 20249 min

491 | The 3 Stages of Retirement & Why Most Don’t Think Beyond Stage 1? – Chat with Jennifer Langton

“What you do with your home will have the biggest impact on your fees and charges and how your cash flow works in residential aged care." - Jennifer Langton Folks, A LOT of considerations and work must be done to "get your ducks in order" before you retire. It’s not just for elderly folks or those who are about to retire either. Gen Xs, we’re talking to you! To help guide you through Australia's complex Aged Care system, we've got an exceptional, first-time property couc...

Apr 25, 20241 hr 31 min

490 | Why Is the Sandwich Generation Trapped in Wealth Limbo?

Is the Sandwich Generation doomed to be in wealth limbo forever? 🥪 In this week’s episode, we’re unpacking who falls into this generation of investors and why they are trapped in property purgatory. We also pull back the curtains on: The so-called greedy investor: What do this property investor’s cash flow numbers reveal about his financial situation? Would you stop paying 10c at the risk of not earning $1? The secret to escaping wealth limbo Why you should focus on stabilisation over investmen...

Apr 18, 20241 hr 20 min

Rentvesting – Is Rent Money Dead Money?

Note: This episode is a re-run of one of our older episodes . It originally aired on 14th April 2016 😊 In today’s episode, we tackle the increasingly popular strategy of 'rentvesting'. As we see soaring property prices in major urban hubs, the dream of homeownership seems further out of reach for many. But is there a savvy way to balance that dream with reality? Enter ‘rentvesting’ – where you rent in the place you love...and invest where you can afford. Rentvesting is a smart solutio...

Apr 16, 202439 min

489 | The Rise of the Finfluencer: Who's at Risk?

Ever find yourself double-tapping a Finfluencer's post and thinking, "Is this legit?" You're not alone. We all love a good financial glow-up story, but it's becoming harder to discern sound advice from dangerous schemes online. That’s why, in this week’s episode, we’re diving into the fast-paced world of financial influencers. From the six red flags to spot a Finfluencer in a sea of seemingly harmless finance feeds to understanding why "pay interest only" tips ...

Apr 11, 20241 hr 40 min

488 | Buying Regional vs. City: Does It Stack Up?

When investing in property, choosing WHERE to invest often keeps folks up at night. That’s why, in today’s Q&A Day, we are answering questions that speak to this very issue. Here’s what we’re unpacking: Why choose to invest regional over city? What elements make a town a mining town The biggest risks associated with investing in these “boom and bust” areas The science behind NOT investing in Canberra, and more! Also, as market conditions change, we’ve been noticing some concerning ads poppin...

Apr 04, 20241 hr 29 min

I Bought the Wrong Property; What Should I Do Now?

Note: This episode is a re-run of one of our older episodes . It originally aired on 2nd July 2020 😊 In this week’s episode, Bryce and Ben answer 10 listeners’ questions ! With practical advice on property selection and analysis, this episode is your guide to navigating the intricacies of property investment in Australia. If you have a question, leave us a message here ! If we answer it on the podcast, you’ll get FREE access to our Start & Build Workshop (usually retails for $497!!). This o...

Apr 02, 20241 hr 25 min

487 | $2k A Week in Retirement - Is That Before Tax or Cash in Hand?

Folks, we’ve always said that property is a game of finance rather than of bricks and mortar, and today’s massive Q&A episode explores this fundamental concept. Tune in to hear us break down our strategy of $2k a week in retirement, how to maximise your liquidity and why some investors choose commercial over residential. It’s an episode that will have you listening to it on repeat, give it a listen now folks 😊 Free Stuff Mentioned Free Book: The Armchair Guide for Property Investing (Not Fr...

Mar 28, 20241 hr 8 min

Going Against the Greats – Why You Shouldn’t Pay Yourself First!

Note: This episode is a re-run of one of our older episodes . It originally aired on 8th June 2017 😊 According to Albert Einstein, “Compound interest is the eighth wonder of the world. He who understands it, earns it...and he who doesn't, pays it.” In this week’s episode, Bryce and Ben discuss the fascinating power of compounding . Tune is as they answer listeners’ questions, explain how you benefit from delayed gratification, and share their experiences and advice on property investing! F...

Mar 26, 202458 min

486 | “Stuff This!”: How to Tackle Financial Anxiety

PLEASE NOTE: We have changed the names of the folks in these case studies. We've all experienced the gut-wrenching anxiety that comes with property investing but what happens when it becomes an overwhelming feeling that wakes you up at 2am? Folks, this is a REAL story from today's honest and inspirational Case Study episode. From Billy, a single dad holding onto his ambition to secure a future for his son amidst personal and financial upheaval, to Liz and Michael, a couple who found th...

Mar 21, 20241 hr 24 min

RBA Mar 2024 | Are We Facing Challenges with Sticky Inflation?

Welcome to the second RBA Rate Release of 2024! Join Evan Lucas and Ben Kingsley as they reunite to decipher the latest economic trends and data in this month’s episode, including: 📈 Sticky Inflation in the US: Delve into inflation and its tenacity within the US economy. 📊 Deep Dive into December GDP Quarter Numbers : Take a close look at the recently released GDP quarter numbers for the Australian market. 🏦 Bank of Japan's Interest Rate Decision : Explore the deliberations of the Bank o...

Mar 19, 20241 hr 14 min

485 | Must the Plane Have Landed BEFORE I Retire?

Is 64 too old to be starting a property portfolio? Must your investment property be fully funded by the time one retires? And why does investing with intention matter – even after you’ve acquired 5 properties? In today’s Q&A we’re answering these fantastic questions that explore the many layers folks should consider BEFORE they choose to enter or exit the property game. This episode highlights the importance of planning and intention, from calculating how much you really need (and gaining cl...

Mar 14, 20241 hr 4 min

Redefining Debt: The Game Changing Strategy You Need to Hear

In this week’s episode, Bryce makes a guest appearance on the Wealth Time Freedom (WTF) podcast , hosted by Terry Condon! They cover a wide range of topics including: Horrible, tolerable and productive debt How to pick an investment grade property Demographic shifts that are likely to impact property prices over the next 5-10 years This bonus episode is all about the courage to pursue passion over expectations, cultivating financial resilience, and playing the long game of property investment ! ...

Mar 12, 20241 hr 10 min

484 | Cracking the Code: Mastering the 60% Land to Asset Ratio

With soaring immigration and construction hitting historic lows, Australia's property market faces an accommodation crisis. In Bryce’s words, “Disincentives have been happening for over a decade.” Kicking off our first Q&A session of 2024, we're diving into the widespread economic and political factors that have become “the perfect recipe” for today’s housing crisis. We also dissect how to master the 60% of land-to-asset ratios and tackle this burning question: Is Brisbane a wise c...

Mar 07, 20241 hr 19 min

Exploring “Scarcity” in Property Investment

Note: This episode is a re-run of one of our older episodes. It originally aired on 12th November 2015 😊 In today's episode, we dive deep into why the old adage of 'location, location, location' still rings true for property investment. We explore how 80% of your return is determined by where you buy, and only 20% by what you buy. One of the three filters in our asset selection criteria is scarcity, and today we take a close look at that concept. What exactly do we mean when we r...

Mar 05, 202436 min

483 | Housing is Undersupplied, So WHY are Home Values Falling? - Chat with Eliza Owens

In this week's episode, we're welcoming back an incredibly passionate and eloquent data analysis and reporting expert who is ALSO a returning guest: Eliza Owen, Head of Residential Research Australia at CoreLogic! In this episode, we'll use her brilliant insights to explore precisely WHY we see the numbers in today's property market, like: If the housing market is undersupplied, why are some market values still falling?! Or how has the housing market defied economic predictio...

Feb 29, 20241 hr 19 min

James Clear: Forget Your Goals, Focus on Systems

Building on from Episode 482, where we explored why progress tracking is key to healthy financial habit formation , we’re bringing back an old episode where we uncover... The 4-step framework from James Clear on how to build good habits and break bad ones – for good! For those unfamiliar with this best-selling author of Atomic Habits, James applies a unique blend of scientific research and practical life to breaking and building habits. His website receives millions of visitors each month, and h...

Feb 27, 202459 min
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