Welcome back to The Hill I’ll Die On, our Friday mini-series where members of the Property Couch crew share bold property and money opinions they’re willing to stand behind.

This week, economist Evan Lucas joins Ben Kingsley to tackle a big topic:

Personal income tax.

Evan argues that Australia’s current tax system places too much pressure on income earners and may be discouraging aspiration and productivity.

He explains how bracket creep, tax thresholds, and behavioural responses all play a role in shaping how people work, invest, and structure their finances.

The conversation also explores what a more balanced tax system could look like — one that supports both fairness and incentive.

If you’ve ever questioned how much tax is too much, this episode is worth your time.

Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

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 if the best time to buy your first home… is when everyone else is hesitating?

With rising interest rates, higher living costs and shifting market sentiment, many would assume it’s the worst time to enter the property market.

But here’s the twist: It might actually be one of the most important times to get your strategy right.

Welcome to Part 1 of our 3-part mini-series on how to buy a home, where we break down the foundations every first-time buyer needs before they even start looking at properties.

Ben is joined by Couch Crew members Luke Oxenham (mortgage broker extraordinaire helping Aussies navigate lending every day) and Shane Pope (buyer’s agent on the ground negotiating deals) to unpack the critical first steps that can make or break your journey.

In this episode, you’ll learn:

• The difference between borrowing power and true affordability
• Why a 20% deposit isn’t always necessary (and what your options are)
• The hidden costs most buyers forget to budget for
• Why not all pre-approvals are created equal
• How lenders actually assess your application (and what can trip you up)

Listen now 😊

Free Stuff Mentioned

• Moorr: Your Free Money Management Tool 📊
  Take control of your money, track your spending and uncover your surplus — all in one place.
  👉 Join the 2026 Surplus Challenge
  📱 Download Moorr (iOS & Android): Access 100+ Resources in Moorr’s MyKNOWLEDGE (On buying your first home, structuring your finances & building long-term wealth)
• Property Outlook Webinar (April 28) 📈
  A deep dive into market shifts, rising rates and what it means for buyers.
  👉 Register now
• 6-Part Money-Saving Series (Mortgage Focus) 💡
  Learn how to find those much-needed extra dollars per month in your household budget.
  👉 Starting listening

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

A listener asked a question many property investors quietly worry about: “We’ve bought a lemon… should we sell and move on, or hold?”

It’s a tough spot to be in.

In this bonus snippet, Bryce and Ben unpack how to determine whether a property is truly a “lemon” — and more importantly whether to cut your losses or stay the course.

For the original episode, tune in here: Episode 253 | Top Tips for First Home Buyers.

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