The Property Couch

Welcome back to Friday Fundamentals on The Property Couch.
In this episode, Shane and Luke tackle a question that’s suddenly everywhere:
Would you still buy an established property today if the negative gearing benefit is deferred?
Their answer? Yes — but it depends on your goals, your timeline, and the quality of the asset.
This conversation unpacks why negative gearing is only a moment in time, why growth still does the heavy lifting over the long term, and why chasing a tax outcome can be a dangerous way to build an investment strategy.
They also break down why established property still has a strong case, especially when land, location and asset quality are front and centre.
If you’ve been wondering whether the recent changes mean you need to completely rethink your property approach, this is a great place to start.
Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/
Timestamps
00:10 – Welcome to Friday Fundamentals
00:49 – The big question: would you still buy established property?
01:13 – Luke’s answer: yes, but it depends
01:45 – Why long-term goals still matter most
02:03 – PPOR maxing and future strategy
03:17 – Why Shane would still buy established property
04:09 – The buyer’s decision quadrant explained
04:24 – Why not all “tax-friendly” property is good property
05:00 – Negative gearing is a moment in time
05:39 – Final thoughts and send in your questions
#ThePropertyCouch #PropertyInvesting #NegativeGearing #EstablishedProperty #MoneyManagement
LISTEN TO THE FIRST 20 EPISODES HERE >>

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👉 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

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"I don't think it can get much worse for people trying to get their first property.”  
That’s Glen James, best-selling author, financial educator, host of the award-winning Money Money Money podcast and today’s special guest. 
From Glen's journey as a self-confessed "recovering spender" to why your first home doesn't need to be your forever home, this conversation explores the money habits, finance strategies and changing tax landscape shaping the next generation of property owners and investors. 
You'll learn: 
✔️ The outdated first-home advice you can ignore 
✔️ Whether rentvesting still stacks up in today's market 
✔️ The first conversation every aspiring buyer should have  
✔️ The role family guarantees and LMI can play 
✔️ How to choose the right first property—not just your dream property 
Listen now!  
 
FREE STUFF MENTIONED
The Quick-Start Guide to Your First Property 📘
Glen and Rachelle Kroon's practical new book cuts through the confusion of buying your first home or investment property with clear, step-by-step advice to help you get into the market sooner.
👉 Grab your copy here 
Money Money Money Podcast 🎧
Listen to Glen’s award-winning personal finance podcast covering budgeting, investing, property and practical money strategies. 
👉 Listen here  
Buying your first home? 🏠
We've just released a 3-part series to make the start of your property investing journey easier. 
👉 Start here: 593 | How to Buy a Home (The Right Way) – Part 1 
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
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When you’re renovating, it’s easy to look at three quotes and feel your eyes drift straight to the cheapest one. Because surely cheaper means smarter... right?! 
But as Three Birds Renovations share in this Throwback Tuesday snippet, the cheapest quote can sometimes end up costing you the most. 
For the original episode, tune in here: Episode 181 | Tips from Three Birds Renovations on How to Create the Perfect Renovation, Survive It, and See a Return on Investment!

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

In this Friday Fundamentals episode, Ben is joined by Glen James to explore one of the most overlooked ideas in wealth creation:
The best investment is often in yourself.
From pay rises and career growth to business income and automated investing, this conversation unpacks why the biggest returns early on often come from increasing your earning power — not from chasing speculative returns in a small portfolio.
Glen explains how human capital becomes real capital, why personal contributions matter so much in the early wealth-building years, and why improving your income can be one of the safest and most effective ways to grow your financial future.
If you’ve been focused only on products, platforms or properties, this episode is a useful reminder that the real engine of wealth may be much closer than you think.
Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

⏱️ Timestamps
00:24 – Welcome back to Friday Fundamentals
00:54 – Glen’s hill to die on
01:17 – Why the best investment is in yourself
01:45 – The $10,000 portfolio thought experiment
02:36 – Why chasing huge returns can mean huge risk
03:03 – What a $10,000 pay rise really means
03:49 – Why career growth is a low-risk wealth lever
04:44 – How long-term earning power compounds
05:22 – Why your own contributions do the heavy lifting early on
06:18 – The difference between earning more and capturing more
07:12 – The waterfall analogy for income
08:00 – Business as a wealth-building engine
09:19 – When it becomes a career discussion, not a job discussion
10:03 – Final thoughts and practical takeaways
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

Is fear quietly influencing your investment decisions? 
With today's market creating uncertainty, it's easy to second-guess yourself. Headlines, market sentiment and endless opinions can make even experienced investors hesitate. 
In this episode, Ben is joined by high-performance coach Brett Burton and KD, Couch Crew, to unpack the psychology behind successful investing—and why your biggest challenge isn't always the market... it's often your mindset. 
You'll discover: 
Why uncertainty causes even experienced investors to hesitate 
The mindset loop that drives every financial decision 
How to separate facts from fear during changing markets 
Why patience often outperforms perfect timing in property and personal finance 
Practical strategies to build confidence and make better long-term investment decisions 
If today's headlines have you questioning your next move, this episode will help you zoom out, think clearly and answer, “Is the market driving your decision... or is fear?”  
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💡 Inspired by Brett's insights?  
Leadwell People delivers engaging leadership, wellbeing and high-performance programs designed to help individuals and teams thrive.
👉 Learn more and explore Brett’s programs today.
💻 Never Miss a LIVE Webinar  
Be the first to hear about our upcoming webinars and live Q&As, packed with practical property and money insights.
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🧠 Book Recommendations:   Thinking, Fast and Slow by Daniel Kahneman 
The First Rule of Mastery: Stop Worrying about What People Think of You by Michael Gervais   
Atomic Habits by James Clear  

️🎧 Episodes Mentioned:   261 | How to Hack Your Habits to Make You a Better Money Manager – Chat with James Clear  
Ep. 500 | Why FOPO Holds Us Back & What to Do About it!

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