The Property Couch

The hosts explore the critical habit of financial management, emphasizing that wealth comes from surplus, not just income. They dive into common money mistakes, the pitfalls of static budgets, and the dangers of unconscious spending. The virtues of tracking expenses and setting meaningful goals are discussed, along with an exciting announcement about an AI-powered transaction feed to aid money management. Listeners are encouraged to take control of their finances before the new year to avoid pitfalls and achieve financial clarity.

Feeling uncertain about property investing? Dive into the importance of having a 'North Star'—your ultimate lifestyle vision. Discover how landlords can feel pressured by repairs and rising interest rates. Learn why anchoring decisions to long-term goals is crucial instead of relying on short-term fixes. Hear advice on using historical data and AI to regain confidence in your investment choices. Ultimately, explore how purposeful investing can enhance your life beyond just financial gain.

In this discussion, Jonny Bell, the 29-year-old founder of Housemark, shares his incredible journey of transforming property management in Australia. He reveals how he outmaneuvered big players without an office—starting his business from a lockbox and a jet ski! Jonny dives into the six essential functions of property management, the importance of proactive service, and why hiring empathetic managers is crucial. He also discusses using technology to enhance service and how higher pay can attract top talent in the industry.

Bryce and Ben tackle the intriguing question of whether to buy property in a trust or under your own name. They explain different trust types and their roles, highlighting benefits like asset protection and tax flexibility. However, they also outline potential downsides, such as trapped losses and lending limits. The hosts emphasize the importance of personalized advice, sharing their own experiences and structures. Listeners are cautioned about changing regulations that could impact trust benefits, making informed decisions crucial.

Bernard Salt, a leading Australian demographer and author of The Big Shift, dives into pressing topics reshaping Australia’s future. He discusses millennials' return to suburban living and the family's financial influence on property ownership. Bernard also explores how cultural shifts are changing home designs and the implications of AI on our economy. He raises critical questions about intergenerational wealth and calls for a national dialogue to discuss Australia’s trajectory by 2050. Expect insightful, data-driven takes sprinkled with humor!

The discussion dives into the complexities of debt recycling, challenging common misconceptions about converting non-deductible debt into deductible debt. Tax expert Julia outlines the risks, explaining how dominant purpose tests can void tax benefits. Historical cases are examined, revealing the intricacies of deductible capitalized interest and the potential pitfalls of interest-on-interest schemes. The ATO's stance on these strategies and recent enforcement actions highlight the importance of caution in navigating debt recycling.

Gemma Mitchell, a seasoned financial adviser and money coach, shares her journey of rebuilding after her life plan fell apart due to personal setbacks. She discusses the importance of mental and emotional wellbeing in finance, contrasting good habits with healthy ones. Gemma introduces her 12-step Money Reset plan, emphasizing the slingshot mindset that transforms setbacks into future growth. She also highlights practical steps for those facing financial challenges, including using supportive resources and cautious planning for major life transitions.

Evan Lucas, a resident economist known for his sharp macroeconomic analysis, joins to discuss the Reserve Bank of Australia's decision to hold the cash rate amid rising inflation concerns. He dives into the surprising October CPI results and the critical role of housing inflation. They also tackle the looming risk of stagflation, shifting consumer sentiments, and the potential for future rate cuts in 2026. With insights into rental market pressures and the impact of government spending, this conversation offers a compelling look at the state of the economy.

In this discussion, Rob Flux, Founder of the Property Developer Network, shares his extensive expertise in property development. He reveals three pathways into development and emphasizes that success lies in problem-solving, not just building. Rob warns that only 10% of sites are profitable, stressing the importance of thorough feasibility studies. He also discusses the financial impact of hidden costs like taxes and offers insights into transitioning from renovator to developer, highlighting the necessity of strong analysis and creative financing strategies.

We all know property investing is about “location, location, location”... but have you ever stopped to think about how cities actually form?In this bonus episode, we go on a journey from the dusty towns of the Wild West to the bustling megacities of today.... all to unpack the evolution of cities and why understanding this process can give you a huge edge as an investor. For the original episode, tune in here: Episode 163 | Infrastructure: What’s the Game Changer for Property?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