The Property Couch

Welcome to Episode 2 of “The Money Stuff We Don’t Talk About”, our Friday mini-series inside The Property Couch. 
Each week, one member of the Couch Crew shares a bold money stance and unpacks the financial truths most investors don’t talk about. 
This week, Polly Chu shares the hill she’ll die on: 
💵 Cash is king. 
Having experienced the GFC early in her career, navigated investment banking during volatile markets, and built her own portfolio, Polly understands what happens when liquidity disappears. 
Her rule of thumb? Three to six months of cash buffer. Minimum. 
Because when markets turn, cash buys you time. And time protects you from making forced decisions at the worst possible moment. 
New episode every Friday. 

Psst. Check out Ep 1 with Ben T on the most transparent way to buy property
Timestamps  
0:00 – Intro
1:00 – From KPMG to Investment Banking to Property 
2:30 – The Hill: Cash Is King 
3:40 – GFC Lessons & Employment Uncertainty 
5:10 – When Investors Get Too Aggressive 
6:45 – COVID, Easy Credit & Portfolio Unwinding 
8:05 – The 3–6 Month Buffer Rule 
9:20 – Real Life Costs: Roof Repairs & Insurance 
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:
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What if property prices keep rising… even if wages don’t? 🤔
That’s the uncomfortable question we’re unpacking in this Q&A episode, and it’s one every buyer and investor needs to understand.
It’s also a big moment for the show…
We’re welcoming Polly Chu and Ben Thompson to the Couch Crew for the very first time... and we’re throwing them straight into the deep end.
Here’s what we unpack:
📈 Why property prices can rise faster than wages (and what actually drives it)
🏡 The real trade-offs first-home buyers are facing right now
⚖️ Growth vs yield...and why most investors get this wrong
💰 How to turn ~$2M into ~$100K income (hint: it’s not just a number)
📊 Net yield vs gross yield (THIS actually matters), and...
🪙 Gold vs property: is there any real connection?
This episode isn’t about hot takes. It’s about understanding the system, the trade-offs, and the decisions you need to make in today’s market. 
Listen now, folks! 
 
FREE STUFF MENTIONED
🏡 Join the Surplus Challenge (Moorr Platform)
With rate movements back in focus, now’s the time to get your cash flow sorted. Track your surplus, adjust repayments, and put your money to work.
 👉 Start here: moorr.com.au/surpluschallenge

📘 Buy the Book: How to Retire on $3K a Week
Missed the free audiobook? You can still grab your copy here
👉 howtoretireon3k.com.au
Want to build stronger money habits (without overcomplicating it)?
In this week’s Fundamental Friday drop featuring Polly… and it’s a must-watch if you’ve ever wondered where your money actually goes.
👉 Cash Is King (And Why No One Talks About It) – Chat with Polly 
Guests & Episodes mentioned: 569 | Everyone’s an Expert Until the Tide Goes Out: What 44 Years of Data Reveals!

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

The RBA has lifted the cash rate again, raising it by 25 basis points to 4.10% in a knife-edge decision. Ben Kingsley and economist Evan Lucas unpack what’s driving the move, what the data is telling us, and what to watch next in 2026.  
💡 Thinking about refinancing or adjusting your loan strategy? Let our team help you review your options. 

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

Welcome back to The Hill I’ll Die On, our Friday mini-series inside The Property Couch. 
Each week, a member of the Couch Crew steps up to share a bold money or property opinion they’re willing to stand behind — and unpack the behind-the-scenes truths most people think… but rarely say out loud. 
This week’s guest is Luke Oxenham, one of Australia’s leading mortgage brokers. 
Luke’s hill? 
Don’t take financial advice from Instagram. 
From “pay off your home loan in seven years” to “secret wealth strategies”, social media is full of financial promises that sound revolutionary. 
But when you unpack them, Luke explains that many of these ideas are simply common strategies repackaged into viral content designed to generate attention — and sometimes leads for property deals or financial products. 
In this episode, Luke and Ben discuss: 
Why fin-fluencer content spreads so quickly 
The real mechanics behind popular “secret strategies” 
Why some property promotions start on social media 
And why education and context matter more than shortcuts 
New episode every Friday.
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

📍 Melbourne’s property market has been the worst performer in the country for years… so is it finally time for a comeback?
In this episode, Ben is joined by property valuation expert Greville Pabst and new Couch Crew member Shane Pope, a Melbourne-based buyer’s advocate who works closely with owner-occupiers at the coalface of the market.
Together, they unpack what’s really happening across Melbourne and Regional Victoria. Like...
Why has Melbourne underperformed for the past decade? 
How has government policy reshaped investor demand? 
And why are owner-occupiers now dominating many parts of the market? 
 Plus, the team discusses whether Melbourne could be Australia’s best-performing property market over the next decade.
With rising geopolitical tensions and global oil shocks emerging, they also examine how international events could impact interest rates, confidence and property markets moving forward. Tune in now!

Resources Mentioned: 
Find out more about Greville Pabst:Greville Pabst: Property Buying Agency
WBP Property Group: Greville’s Property Advisory and Advocacy Business

Leave us a Q for next week’s Q&A Day on our SpeakPipe. (And get a free Start & Build course if your Q is featured!)
Free Property Reports Inside the Moorr App 🏡
You can now access free property reports that break down key suburb data to help you research smarter and make more confident decisions.👉 Access the free property reports inside the Moorr App
FREE Audiobook: How to Retire on $3K a Week (Limited Time)🎧
Bryce’s farewell gift to the community is still available… but not for long.
⏳ Available until 18 March before it’s removed from the podcast feed.
👉 Start listening 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