The Property Couch

Do young, healthy Australians actually need insurance?
Many people assume insurance is something to think about later in life.
But according to financial adviser Chemere Brown, the majority of insurance claims occur between the ages of 25 and 45.
In this week's FUNdamental Friday, Shane and Chemere unpack some of the biggest insurance myths and explain why many Australians may be underinsured during the years they have the most financial commitments.
They discuss:
✅ Why most claims happen between 25 and 45
✅ Why being healthy may actually be the best reason to get insured
✅ Income protection explained
✅ Common misconceptions about insurance through super
✅ Why your future income may be your biggest asset
✅ Waiting periods and affordability options
✅ Whether savings alone are enough protection
✅ Why property investors should review their insurance strategy
Because your biggest financial risk often isn't what you think it is.
🏡 Thinking About Buying A Home?
Watch PRE-Purchase, our free 10-part video series designed to help Australians Prepare, Research and Execute their next property purchase with confidence.
🎥 thepropertycouch.com.au/prepurchase
⏰ Timestamps
00:00 I'm young and healthy. Why do I need insurance?
00:25 Meet Chemere Brown
00:56 Insurance myth #1
01:26 Why most claims happen between 25 and 45
01:54 The most common insurance claims
02:35 Why healthy people should get insured
03:11 Why risk is often highest between 25 and 45
03:39 Is insurance inside super enough?
04:24 The insurance gap most people miss
04:45 Why your income is your biggest asset
05:15 If you can only afford one type of cover
05:59 Tax deductions and insurance
06:54 Is insurance only for death?
07:10 Where most claims actually occur
07:41 Waiting periods explained
08:40 How waiting periods can reduce premiums
09:08 Can you just rely on savings?
09:21 The average Australian savings balance
09:54 How much emergency savings should households hold?
10:19 Insurance for property investors
10:51 Why financial advice matters
11:13 PRE-Purchase series
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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Would you trust AI with your home loan? 🤖🏡 
It might find a cheap rate, but will it ask the questions that could change your next property move?
In this topical episode, Ben is joined by investment-savvy mortgage brokers and Couch Crew members Luke Oxenham and Brad Fraser to unpack: 
🔒 Mortgage prison: why a cheaper loan can still be out of reach 
⚖️ Fixed vs variable: certainty, flexibility and the trade-offs 
🧮 Borrowing calculators: will the bank agree with your estimate? 
🤖 AI and mortgages: accuracy, accountability and keeping a human in the loop 
💸 “It’s cost me hundreds of thousands”: the questions Ben wishes his first broker had asked 
Plus, a real client story where sequencing made the difference, and how AI could reshape property finance. 
Buying, refinancing or investing? Find out what matters beyond the rate.

FREE STUFF MENTIONED
WOULD YOU LET AI APPLY FOR YOUR LOAN? 🤖 
Explore the Experian research that sparked this week’s discussion: AI in Risk: The Rise of Agentic Commerce, conducted by Forrester Consulting.
👉 Read the research findings >>  
OPEN BANKING: GOODBYE, MANUAL INPUTS? 🏦
Find out how open banking could simplify bringing your financial information into Moorr—and keep an eye on what’s coming.
👉 Learn more about open banking >> 
LOOK BEYOND THE LISTING 🔎
Researching your next purchase? Explore Moorr’s property research tools to dig deeper into potential opportunities.
👉 Explore the property research tools >> 
IS YOUR HOME LOAN READY FOR YOUR NEXT MOVE? 🤝 
A competitive rate is just the beginning. Speak with Empower Wealth’s investment-savvy mortgage broking team about a loan that supports your bigger picture.
👉 Explore your lending 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

Halloween might be over, but the scary stuff isn’t. 
Inflation is back on the rise, unemployment is creeping up, and the property market is working through what could be its biggest correction in 40 years.  
Ben Kingsley and economist Evan Lucas unpack the RBA’s November decision, why Australia’s inflation problem is increasingly homegrown, why rents aren’t coming down, and why productivity is the problem interest rates can’t fix. 
💡 When was the last time you reviewed your loan? Let our team assess your mortgage and help you find a better deal. 

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 Australia's property market really performing the way the headlines suggest?

In this week's FUNdamental Friday, Ben Thompson sits down with independent property economist Cameron Kusher to unpack what's actually happening beneath the surface of today's housing market.

From interest rates and buyer confidence through to property data, sales volumes and long-term housing fundamentals, Cameron explains why the widely reported numbers don't always reflect what's happening on the ground.

They discuss:

✅ Why major property indices can lag reality
✅ Why some markets may be down more than reported
✅ The importance of stock levels, listings and days on market
✅ Why sales volumes matter more than many people realise
✅ The impact of higher interest rates across the broader economy
✅ Whether waiting for prices to recover is a good strategy
✅ Australia's housing shortage and migration trends
✅ Why asset selection will matter more in the years ahead

Because understanding what's really happening in the market is often more valuable than following the headlines.

🏡 Thinking about buying a home?

Watch PRE-Purchase, our free 10-part video series that helps Australians Prepare, Research and Execute their next property purchase with confidence.

🎥 https://thepropertycouch.com.au/prepurchase

⏰Timestamps
00:00 Should you wait for property prices to recover?
00:19 Meet Cameron Kusher
01:35 What's driving today's housing market?
02:00 Interest rates, tax changes and buyer confidence
02:48 Why property data may be understating declines
03:40 The market says 5%. Reality says 8-9%
03:59 Why falling sales volumes matter more
04:32 Why buyers behave differently to share investors
04:49 How housing impacts the broader economy
05:08 More rate rises ahead?
05:32 Why Cameron expects future rate cuts
06:04 How to get a real-time read on the market
06:23 The key indicators Cameron watches
06:59 Why buyers may have more opportunity today
07:19 Upgrading in a falling market
07:42 Should you wait for prices to recover?
08:12 Cameron's three key market indicators
08:23 Property, confidence and human behaviour
09:09 The long-term housing fundamentals
09:49 Housing shortages and migration
10:13 Why asset selection matters more than ever
10:47 Final 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

What happens when property prices stop going up? 🏠 
For buyers, it might feel like an opportunity. For homeowners and investors, it can raise a very different question: what does this mean for my wealth? 
But the impact of a property slowdown can reach much further than the Aussies simply buying and selling. 
In this week’s episode, Ben is joined by independent property economist Cameron Kusher and economic futurist Evan Lucas to discuss the changing property market, the pressures on Australian households and the economic decisions we can no longer avoid. 
They explore why Cameron thinks the next 30 years could look different for property investors, whether Australians are working harder just to stay afloat, and why Evan is watching for a potential “spending cliff” after Christmas. 
So, is Australia heading for a property market reckoning? 
Let the debate begin…
FREE STUFF MENTIONED
📊 HOW MUCH IS YOUR PROPERTY WORTH?
Explore Moorr’s property research tools, including property value estimates, to better understand your property and the market.
👉 Explore the new features >> 
💰 COULD YOU FREE UP MORE HOUSEHOLD CASH FLOW?
Watch Ben’s Money & Mortgage Management webinar for practical ways to manage your money and create more breathing room.
👉 Watch the replay >>
📱 SEE WHERE YOUR MONEY’S REALLY GOING
Discover Moorr’s new cash flow breakdown and expense dashboard to compare your budget with actual spending. 
👉 See what’s new in Moorr >>
🏘️ CONNECT WITH CAMERON KUSHER
Looking for deeper property market insights? Explore Kusher Consulting’s property research, analysis and commentary. 
👉 Find out more about Kusher Consulting >> 
Guests & Episodes Mentioned:  324 | Property Market Outlook 2021 – Chat With Cameron Kusher 

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