Australia’s top property podcast for everyday investors who want real results, not hype.
Originally shaped by long-time hosts Ben Kingsley and Bryce Holdaway, The Property Couch has evolved into a new chapter led by Ben alongside the expanded Couch Crew. The foundations remain the same: practical frameworks, clear thinking, and real stories that help Australians make smarter decisions.
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Why Should I Invest When I’m Already Doing Well? | Throwback Tuesdays
•Ben Kingsley, Opti & The Couch Crew
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You’re doing all the right things: steady income, paying down the mortgage, building up the offset. So… why take on more risk?
In this Throwback Tuesday snippet, Ben and Bryce unpack why doing well today doesn’t automatically mean you’re set for the future, and why the right investment strategy starts with knowing what you actually want your money to do.
So here's one from Luke Frost. Listening to all the podcasts on one and a half speed, owning home at an LVR of 73%, getting good savings in the offset, money smarts in effect. Both working for the government so jobs are safe and predictable. Just knowing how and where to take the plunge when all the people, media, banks, etc., are telling you you're doing a great job. Why risk it? By extending to another house.
SPEAKER_01
Luke. Luke. Well, that's a question for you and your family to work out. I mean, the reason why you risk it is the reward that you will get if you do something about extending yourself. Okay. That's uh but it's but you try to mitigate as much risk as you possibly can through your defensive strategies. But there's a couple of pieces here. You know, in to in terms of um where do I buy, um, what do I buy? If you're not quite sure, then get some help. Seek professional help. But because like like everyone says, and I I like the way Jeremy described it, there's only one best property in Australia each year. The rest of them are secondary to that very best one. And if anyone's telling you that they're gonna buy you that very best property, that one, in what is it, you know, 500,000 transactions that occur, well, they're full of crap, right? So just avoid them. What you're better off sort of saying is I want to be in the bucket of properties that are going to perform well over the medium to longer term. Right? And um, what does that look like? Well, you just need to go back and listen to our podcast, but it's pretty simple from our point of view. It's we want to prov uh buy properties that have some strong owner-occupier appeal, that potentially give us some land content, uh, that give us great location and amenity, and all of those lifestyle drivers, and potentially some status with that. Now, we realise that that's not, you know, in every city and regional town, there are pockets like that. So it doesn't necessarily have to be in the big cities. I mean, escape from the city, right? You find some of the great areas that they're the best streets in those towns, and they can also work as well. Now, will you get city growth? No, because you probably don't get the income growth. But the people who are in those bigger regional towns, there's enough in that area that pushes those values higher than this than some of the other streets and some of the other neighborhoods in that regional town as well. So the principles are still the same. And if you're getting five, six percent compounding growth per annum, you are going to transform your life.
SPEAKER_00
Yeah, because I was going to say, you know, you've got safe jobs now, you're not gonna have safe jobs forever. So there's no there's no benefit in having a fully paid-off home that you had safe jobs all the way through so you could predictably pay off your mortgage, and then you get to a point where you no longer earn an income and you don't have one. You you are facing down the barrel of relying on other people. So it I think Ben said it beautifully at the top, it depends on what's important to you, Luke. But ultimately, if you have a if you have a well-formed outcome, which is how much passive income you would actually like to have when you no longer trade your time for money at whatever point in time that is, if you actually want to have that, you will need to get into a position where you do more than just paying off your home. Because unless you have an extraordinary income stream from having your own principal place of residence that will give you in excess of what you need, chances are you need to leverage into something. And for us, it's residential real estate.
SPEAKER_01
So and if you're not quite sure and you don't want to use third party for whatever reason, there is tools out there. We've built them because we knew that everyone's not going to go and pay for professional advice. We know that the science tells us that 25% of the population will seek out and pay for advice, right? And most of the businesses in this world and successful businesses will do the same. Success does leave clues, but for those people that want to be DIY and want to learn the craft themselves, you still need to put your money in your pocket. I used to buy RP uh Residex reports. You know, I I bought several of those residex reports. I bought lots of things around the 100, 200, 300, 400, $1,000 ranges to build out my knowledge when I was learning my craft. I mean, that's my university degree right there, in terms of getting my hands on as much content. And some of the best content has a paywall. So you've got to get behind the paywall, grab that information and form out your knowledge. And from that, it'll improve your chances of picking a better area that's going to give you the return you're looking for.
SPEAKER_00
Very good. So there you go, Luke. Uh you said, why risk it by extending to another house? We're going to send you the Armage Guide to Property Investing. There's some case studies at the back there that explains very, very succinctly why you would risk it by extending to another house so that you can have some form of help in the future. Thank you, Luke.
