550 | How to Stack the Pain (and Why It Works): A Behavioural Guide to Better Money Habits (LIVE Q&A from Bali)

The Property Couch

Folks, this week we’re reporting LIVE from…BALI?! 🎉

That’s right! We travelled to Indonesia with some amazing TPC community members to support the John Fawcett Foundation, where we witnessed firsthand the life-changing impact of their work restoring sight through cataract surgery.
Together, we raised an incredible $74,592.98, which funded 368 cataract surgeries, 1,901 patient screenings, 719 pairs of glasses, 12 prosthetic eyes, and 600 bottles of eye drops — changing lives in the most powerful way. 💛
And while we were there, we thought…
What better moment to hit record and answer some of the most insightful, practical, and real-world property questions from the legends who joined us on the ground?
Here’s what we cover in this special ep:

🔹 “What buffers?” — Katrina & Rhys get honest about money habits and building a safety net when saving feels out of reach.

🔹 “How do you invest with lumpy income?” — Prue, a farmer with teens in boarding school, asks about structuring loans when cashflow isn’t consistent.

🔹 “How do you find an accountant who actually gets property strategy?” — Will wants more than generic advice.

🔹 “What happens when your IO loans expire?” — Adam shares his $3.4M portfolio dilemma.

🔹 Plus: Are lifestyle apartments in places like Noosa or the Gold Coast really worth it?

A HUGE thank you to each and every one of the amazing TPC community members who joined us on this life-changing trip and helped us create this unforgettable episode.

Listen now!

RESOURCES MENTIONED

• Bryce’s 50th Charity Event: Together, we raised an incredible $74,592.98!
  In honour of this milestone, Bryce, the TPC team, and 22 amazing community members travelled to Bali to support the John Fawcett Foundation.
  Together, this donation funded 368 cataract surgeries,1,901 patient screenings, 719 pairs of glasses, 12 prosthetic eyes, 600 bottles of eye drops, and more — changing lives in the most powerful way. 💛
  To everyone who donated, shared, or supported in any way — thank you. This wouldn’t have been possible without you. If you’d like to learn more about this incredible cause, or still wish to contribute, you can do so here >>

LISTEN TO THE FIRST 20 EPISODES HERE >>
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Chapters

1. TITLE (00:00:00)

2. We’re recording this from Bali for Bryce’s 50th! (00:01:22)

3. Q1) Are apartments and townhouses in premium lifestyle markets like Gold Coast and Noosa a smart investment? from Carolyn (00:03:32)

4. The fundamental drivers of long-term growth in coastal markets (00:04:16)

5. What really makes a property “investment grade” in these lifestyle locations? (00:06:55)

6. Role of Depreciation in New Builds vs. Established Properties (00:09:13)

7. Lifestyle drivers in Noosa (00:11:37)

8. Where the next generation wants to live (00:13:30)

9. Why caravans are still holding their value (00:17:17)

10. Q2) “What buffers?” from Katrina & Rhys (00:18:19)

11. What does providing the best opportunity for your kids look like? (00:21:16)

12. How does NOT having a buffer affect them? (00:23:25)

13. The #1 driver for behaviour change (00:27:43)

14. What does stacking the pain look like? (00:30:11)

15. Q3) “Is there such thing as a savvy-structure based accountant?” from Will (00:35:31)

16. What an honest, professional Accountant looks like (00:36:29)

17. The complexity of structures & trusts (00:41:08)

18. Is there a single best solution? (00:46:58)

19. Q4) “Finance, loan structures and investment properties for a business owners with a highly variable income (farmers)?” from Prue (00:49:08)

20. Dealing with inconsistent income (00:50:13)

21. The importance of liquidity & diversity for farmers (00:53:26)

22. Q5) “What if serviceability becomes an issue when IO loans expire?” from Adam (00:57:26)

23. Forming lender relationships & building buffers (00:59:10)

24. How to build a portfolio that balances growth today and cashflow later (01:04:48)

25. Thank you to all our amazing guests + wrap up from Bali! (01:09:23)

26. As of recording, 262 people got their eyesight back! 😮 (01:10:45)