541 | How to Align Your Financial Plan with Your Partner

The Property Couch

What happens when one partner sees the long-term vision, but the other only sees the short-term cost?

In this week's Q&A, we also unpack:
💡 Whether to tap equity from your home or your investment property
💡 Understanding your goals BEFORE pulling the trigger
💡 Why P&I loans + offset accounts don’t improve cash flow (but still help!)

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Chapters

1. 541 | How to Align Your Financial Plan with Your Partner (00:00:00)

2. How to Retire on $3K a Week: Pre-orders now OPEN! (00:01:47)

3. Our service dedicated to owner-occupiers?! (00:03:13)

4. Moorr Mobile Update: Historical tracking now LIVE! 🎉 (00:04:37)

5. Bryce’s 50th: Give the gift of sight for just $100! (00:05:29)

6. Mindset Minute: “Listen to the people closest to your goals!” (00:07:46)

7. Q1) Bridging the Gap on Property Investment with My Partner from Jason (00:08:22)

8. But...the properties making a net loss? (00:10:20)

9. “A human convinced against their will, remains unconvinced still...” (00:15:00)

10. Solution #1: Low-pressure conversations (00:16:07)

11. Solution #2: Let them choose their lane (00:17:21)

12. Solution #3: Neutral third-party (00:18:09)

13. Solution #4: The opportunity cost (00:19:50)

14. Why you need to understand the rate of return calculation (00:20:26)

15. The dilemma of residential property investing (00:23:01)

16. Why you want 9% gross property return (00:26:40)

17. Experienced the same problem? Send us a SpeakPipe of your solutions! (00:28:57)

18. Q2) Investment Properties vs. Principal Place of Residence from Ross (00:30:01)

19. Let’s take a moment to honour their achievement! (00:32:33)

20. What is the goal? Do you need a third investment property? (00:33:39)

21. Ben puts on his “Investment-savvy mortgage broker” hat (00:38:25)

22. Summary (00:42:46)

23. Q3) P&I vs IO offset cashflow feedback from Tom (00:44:09)

24. EXPLAINED: Amortising loans (00:47:58)

25. Solutions to recalibrate your loans later (00:50:29)

26. What if you have a substantial amount in your offset? (00:53:05)

27. Life by Design hack: Cost-effective camp hack (00:55:05)

28. WMPN: What do Trump’s tariffs mean for Australia, rate cuts and property? (00:57:30)