The Property Couch

💥 “Future Steve’s problem.” 💥 That’s how he described his growing debts, a costly Europe trip, and an apartment disaster that lost him $160K. But here’s the thing: the future arrived. In this Summer Series story, you’ll meet Stephen & Santina, a couple who turned financial chaos into clarity, rebuilt trust, and found a shared vision that transformed their family’s future. From spreadsheets and cashflow shocks to a plan that included Europe 2027 🇪🇺, the 2032 Olympics 🏅 and two investment properties, this is what partnership in real life looks like. This is a story of redemption, teamwork, and proving it’s never too late to get it right. Listen now, folks!  FREE STUFF MENTIONED📣 BIG NEWS: Bryce Is Taking a 12-Month Sabbatical! 📣After more than a decade of education, storytelling and footy talk, Bryce is stepping back for a well-earned sabbatical beginning in February. To celebrate, we’re collecting:✨ Your favourite quotes✨ Episodes that changed your mindset✨ Moments that made you laugh… or cry✨ Anything you've learned that genuinely shifted your financial life 👉 Send us your messages, memories and voice notes via SpeakPipe! Free Webinar: The Surplus Challenge: How to Take Control of Your Money in 20267:30pm AEDT, January 13, 2026Focused entirely on setting yourself up for financial success this year. Learn how to set yourself up for financial success using real transaction data, a clear surplus target, and simple habits that keep you on track all year.👉 Register now!Moorr Transaction Challenge: Track 2025, Plan 2026 💰 Ben’s kicking off the Moorr Surplus Challenge, and it’s the perfect time to join in. This challenge is all about visibility, control and setting yourself up for a financially calmer 2026. 👉 Find out more or jump into Moorr and start your surplus challenge today! 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 would you do if you moved countries… with no job, and a five-month-old baby? Because that’s where today’s Summer Series guest, Daksha, began again.  And today? Well, that part will blow you away. In this powerful episode, Daksha shares how she built a $5M+ property portfolio as a single mum, guided only by grit, education, and an unshakeable North Star: “Give my daughter the life she deserves.”  P.S. In this episode, we announce huge news for TPC. After more than a decade of teaching, storytelling and pouring his heart into this community every single week…Bryce will be taking a sabbatical to pursue other passion projects, starting in February. It’s a huge milestone for him, and for all of us who’ve grown alongside his voice, ideas and passion for empowering everyday Australians.  To mark the moment, we want to celebrate the impact he’s had on you! Please share with us:✨ Your favourite Bryce moments✨ The quote or framework that stayed with you✨ Episodes that changed your thinking✨ Anything you’ve learned that shifted your financial life Your reflections will form part of a special farewell as Bryce steps into this next season of rest and renewal.  👉 Share your messages, stories and voice notes via SpeakPipe. FREE STUFF MENTIONEDBen’s Moorr Transaction Challenge See what you actually spent in 2025 then set clear targets for 2026. 👉 Get started today!   Free Book: How To Retire on $3K a Week Kick off 2026 with a plan you’ll actually stick to. We’re giving away our latest book for free (just cover $9.95 shipping!) 👉 Start here with the system that works.Free Webinar: The Surplus Challenge: How to Take Control of Your Money in 2026 7:30pm AEDT, January 13, 2026Focused entirely on setting yourself up for financial success this year. Learn how to set yourself up for financial success using real transaction data, a clear surplus target, and simple habits that keep you on track all year.👉 Register now! 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

As the new year approaches, many seek financial clarity but often face challenges. The discussion highlights the contrast between intentional wealth and unconscious spending, emphasizing how lifestyle creep and hidden subscriptions can drain surplus funds. Listeners learn the importance of tracking spending and assigning jobs to their dollars for smarter financial decisions. Additionally, Ben outlines how to use surplus to invest in appreciating assets and introduces an upcoming webinar to further explore these concepts.

Ben Ruffalo, a chiropractor and property investor, shares his inspiring journey from burnout to building a $125K rental income by his mid-30s. He discusses valuable money lessons from his Egyptian-Australian upbringing and how chasing status led him to reconsider his priorities. Ben highlights the importance of teamwork with his wife, Tanya, their strategic property investments, and the shift to commercial real estate. He encourages listeners to take calculated risks and develop consistent habits for building wealth.

Katrina 'Kat' Smith, a devoted mother and long-time listener, shares her raw money journey. She navigates the pressures of parenting, postnatal depression, and the quest for financial freedom. Kat recounts her financial awakening in university, the significance of shared plans with her partner, and the emotional triggers that challenged her progress. Her story emphasizes that perfection isn’t necessary for success and that open communication is vital. The conversation also covers teaching kids about money and the lessons learned from her first property investment.

In this conversation, Matt G, a brave Australian veteran, shares his inspiring journey from being medically discharged due to hearing loss to achieving financial independence. He discusses hitting rock bottom while caring for a newborn and how he transformed his financial situation by investing in properties. Matt highlights the importance of education, the mistakes he made along the way, and how he found effective advice to build wealth. His story emphasizes resilience, the value of community support, and the freedom that comes with prioritizing time for family.

The Reserve Bank of Australia wraps up its cash rate decisions for 2025, revealing concerns over inflation risks. Energy prices loom large, with household bills spiking due to the unwinding of rebates. A surprising household spending increase is noted, coinciding with early Black Friday sales. Productivity discussions reveal trade-offs and wage growth disparities between public and private sectors. The hosts also dive into property market dynamics, with insights into city price performances and the global economic outlook.

Alannah Jane Bazzina, a young property investor, shares her journey of entering the market at just 19. She recounts her costly lesson after purchasing an off-the-plan apartment that turned into a financial burden, including dealing with tenant damage and poor management. Alannah highlights the importance of recognizing dubious advice and the emotional toll of financial decisions. Now, with renewed confidence and a strategic approach, she emphasizes learning from mistakes, using professionals, and making informed decisions in property investment.

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.