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

507 | “I Won't Have Enough to Live Comfortably”: The 3 Greatest Generational Fears of All Time! - Chat with Mark McCrindle

What should property investors focus on as we prepare for Australia’s next population growth wave? Class division: We rarely think about it in Australia, but could it become our reality as the gap to enter the property market continues to widen? To help us unpack this and more, we’re welcoming back Mark McCrindle (who last appeared on the podcast in Ep 185 ), the social analyst and demographer expert who coined the newest demographic: Generation Alpha! Mark’s passion in life is tracking social t...

Aug 15, 20241 hr 20 min

TPC Gold | Bank Valuations vs Market Value: What's the Difference?

In this week’s bonus snippet, we delve into a question from listener Laura, who wants to know what the best way is for assessing the value of her investment property. Should she rely on a real estate agent's sales appraisal or opt for a proper bank valuation? Join us as we explore the nuances of each approach and discover why the purpose of your valuation—whether it's for portfolio building or something else—can influence which method to choose. For more tips on how to make informed de...

Aug 13, 20247 min

506 | No Silver Spoon: The 24-Year-Old Who Owns 3 Properties & Counting?! - Chat with Harley Giddings

“I have a phobia of working 9-5 'til I die.” - Harley Giddings There’s a common belief among the younger generation today that the dream of property ownership is well and truly out of reach. Today’s special guest, however, is a 24-year-old passionate property investor who is inspiring both the existing AND upcoming generation of investors through his I nstagram account which documents his learnings, failures and insights on his ride to financial freedom. Please welcome, a member of our own ...

Aug 08, 20241 hr 27 min

RBA August 2024 | Why Australia is OUT of Cycle with the Rest of the World

Welcome to the fifth 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 latest cash rate decision, as announced at 2.30pm (AEST) today! 📈 Australia’s Rising Inflation : Annual inflation in Australia is up to 3.8%, but still within the long-term trend. Property prices are mixed, with Sydney's growth slowing and Perth and Adelaide...

Aug 06, 20241 hr

505 | Short-Term Rentals: The Complete Guide to 3X your Income - Chat with Hayley Mitchell

Investing in Short-Term Rentals: Why and how much does it really cost to succeed? In this week’s episode, we welcome back Hayley Mitchell , an award-winning full licensed Real Estate Agent who has worked across ALL facets of Property Management since 1999, including owning her own businesses! She has won several prestigious awards, including REIV’s Property Manager of the Year twice, and has been named Elite Agents top 50 Industry Influencers in 2017, 2018, 2019 & 2022. After appearing on th...

Aug 01, 20241 hr 27 min

TPC Gold | What is Paul Clitheroe's "Magic Pill" to Wealth?

In today’s bonus snippet, Paul Clitheroe (renowned finance expert, author, advocate of financial literacy, and chair of Money magazine) dives into the MOST common question he gets: What’s the "magic pill" to wealth? 🤔💊 Discover his answer to this...as well as his candid thoughts on property investment and the principles that lead to long-term financial stability. For more financial wisdom from the “Money” Man himself, tune in to the full episode here: Episode 200 | Paul Clitheroe – T...

Jul 30, 20248 min

504 | Everything You Should Know Before Turning Your PPOR Into an Investment

Trevor is seeking a “Tree Change”: To escape out of the city with his family. What are the implications of turning his Principal Place of Residence into an investment property to do so? Meanwhile, Emma’s got a duplex under a single title. She lives in one unit and has rented the other; is she eligible for Capital Gains Tax exemption? Clinton wants to know what's the best loan to attach his offset account to: An interest-only or Principal and Interest loan? Folks, today’s massive Q&A hig...

Jul 25, 20241 hr 11 min

TPC Gold | Top 4 Monopoly Lessons for Property Investors

In today's bonus snippet, Bryce and Ben delve into timeless lessons from the classic board game Monopoly that are surprisingly relevant to real-life property investment. Lesson #1: Be patient 🕰️ Lesson #2: Expensive isn’t always better 💸 Lesson #3: Cash flow is key 💵 Now...can you guess what lesson #4 is? For a deeper dive, tune in to the full episode here: Episode 343 | “Pass Go & Collect $200” - 6 Property Lessons from Monopoly! LISTEN TO THE FIRST 20 EPISODES HERE >> MOORR M...

Jul 23, 20248 min

503 | How to Get the Right Property Investment Advice - Chat with Joel Burton

In this episode, Ben is unpacking the world of property investment advice - through the lens of a Qualified Property Investment Advisor (QPIA). To do so, we’ve bought an expert in this field... Joel Burton is a Qualified Property Investment Advisor who has crafted more than 850 personalised property plans for his clients. He has recommended thousands of investment property purchases, family home upgrades, downgrades, renovation plans, and even, in some cases, the advice to sell the property. Fro...

Jul 18, 20241 hr 29 min

TPC Gold | What Exactly Is a Cash Flow Property?

Today’s bonus snippet is from a previous Q&A episode. Question #1: When Should I Buy My Next Property? 🤔 Brad wants to know how soon he should buy his next property after purchasing the first one. And is it better to opt for interest-only or principal and interest loans? Question #2: What Makes a Cash Flow Property? 💰 Stephen wants to know more about cash flow properties. What is it? How do you identify one? And what does it truly mean to have a cash flow positive property? Listen to the f...

Jul 16, 20249 min

502 | “It’s Putting the Mouse in Charge of the Cheese!”: Death, Taxes & Inheritance - Chat with Julia Hartman

After last week’s insightful episode with Noel Whittaker, we’re thrilled to continue with another stellar guest who helped to co-write the tax chapters of Noel’s latest book, “Wills, Death & Taxes Made Simple.” 💰📝 Please welcome back, Julia Hartman , THE #1 Property Tax Expert in Australia!! Julia is the Founder of BAN TACS, a cooperative of Accountants that has been helping thousands of Australians navigate the world of tax since 1992. Basically, she’s your ultimate tax guru! In this week...

Jul 11, 20241 hr 1 min

TPC Gold | Turia Pitt’s Approach to Money & Learning

Today’s bonus snippet is from an episode with guest Turia Pitt, one of Australia’s most admired and widely recognised motivational speakers. Turia has written multiple best-selling books (including Happy , The Good Selfie , Unmasked and Everything to Live For ), shared a stage with Tony Robbins, competed in the Ironman World Championships, sailed a boat around French Polynesia, and so much more. In this TPC Gold soundbite, Turia shares some of her favourite mindset tips, as well as how she usual...

Jul 09, 20249 min

501 | Noel Whittaker: Super, Shares & Why He Sold Most of His Properties!

🎉 To kick off our new financial year, we are thrilled to welcome a bucket-list guest to the show! 🌟 This is a guest who truly needs to introduction... Noel Whittaker – international bestselling author, finance and investment expert, radio broadcaster, columnist, and public speaker. He reaches over 3M readers each week through his columns in pivotal Australian newspapers and is one of the country’s most successful authors with 20+ bestselling books achieving total worldwide sales of more than t...

Jul 04, 20241 hr 11 min

TPC Gold | The Art of Negotiation - Real Estate Edition

In this TPC Gold soundbite, Bryce puts on his Buyer’s Agent cap and shares all he knows about how to negotiate when buying property. He also makes the bold claim that everything is negotiable when it comes to real estate...?! Get essential insights into how to handle auctions, why it’s useful to understand the vendor’s motivations, and more. Tune in so you too can start negotiating to win! If you're interested in the full episode, it’s here: Episode 93 | How to Negotiate to Win SIMILAR EPIS...

Jul 02, 202410 min

500 | Dr Michael Gervais: Why FOPO Holds Us Back & What to Do About it!

When we started this podcast nearly a decade ago, we never imagined we’d reach this milestone... 🎉 🎉 🎉 Well folks, here we are celebrating our 500TH EPISODE!! 🎉🎉🎉 A massive thank you to our incredible, go-getter community, we’re so proud and grateful to have built, and be part of, such an amazing group of people. To mark this huge milestone, we’ve invited a leader in his field – someone who helps others achieve their best. Please welcome one of the world’s best high-performance psychologis...

Jun 27, 20241 hr 25 min

TPC Gold | What’s the Ideal Cash Reserve for Investors?

Today’s bonus snippet is from a previous episode where we answer listeners’ burning questions on property investing. Tune in to the full episode here: Episode 44 | Q&A – Building Cash Reserve Buffers, Buying at a Premium & Renovating for Profit In this TPC Gold soundbite, Bryce & Ben explore the dynamics of aggressive vs passive investing, as well as how to incorporate cash reserve buffers into your property investment plan! Discover why having a six-month cash reserve is crucial, ho...

Jun 25, 20248 min

499 | Why Choose an Investment Savvy Broker? - Chat with Brad Fraser

To give you an inside look at the real workings of mortgage broking, we’ve brought in an incredible broker from our investment savvy team. Please welcome Brad Fraser ! 🙌 We’re delving deep into the heart of this industry with two compelling real-life scenarios for first-time homebuyers and aspiring property investors. Plus, we unpack Brad’s money story, which follows him as he pivots from spending it all to becoming the financial guru he is today. Listen now! 😊 P.S. It’s our 500th episode next...

Jun 20, 20241 hr 7 min

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 8 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, 20242 hr 35 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, 202455 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