5 Things Holding You Back From Investing In Property

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There are 5 common things holding people back from investing in property. We look indepth at these problems and how to move past them and towards your goal of financial freedom.



Hey guys, Ryan here from on-property Dotcom Day, you helping you find positive cashflow property and today I have with me Ben Everingham buyer’s agent from pumped on property. How’s it going today, Ben? Hey Ryan. Happy Birthday man. Really well, thanks. Thank you. Yes, I am 30 today, which is pretty exciting. I had a really good morning at the beach this morning with the kids going out for dinner, but what else would you want to do on your 30th birthday, but record a property podcast, Mri, or am I right? I want to be spending my 30th year a teeny bit. I was spending it with my wife about three or four years ago now. Unfortunately a little bit behind you, but not too far. Um, but in our last podcast episode we talked about goal setting for the year and looking at setting your goals, which is a really big part of actually moving forward and investing in property.

And then I did a followup episode by myself talking about how to actually start taking action on those goals because so many people set the goals but don’t take action. But today we wanted to delve a little deeper and to talk about some of the things that hold people back from investing in property so these people might have goals, they might have the finances in place, but for one reason or another they just never do anything. And so we don’t want you to end up those people in five years who had the goals, had the money, had the best intentions and did nothing and then look at what could have been, you know, and there’s plenty of people that have been sitting on the sidelines for a while in really good market times like it was in Sydney and, and like it’s been in Melbourne and you know that for one reason or another just didn’t get into the market at those times and now feel like they missed something and it kind of sitting there going, well, you know, those marketplaces might be at top of market as of 2018, but you know, what happens next?

Then is there an opportunity to put money somewhere in Australia and get still get great returns. So I completely get it. But sitting on the sideline for another five years probably isn’t the solution. They’re either no. And while this episode is aimed at people who are looking to buy and are struggling to make that first step, this will also imply to some existing investors who are struggling to make the next step. Or even recently, a few years ago, my dad had purchased a unit and then he found a better one that he wanted to live in. So he purchased that and he had to and it was freaking the hell out because now he’s kind of slightly overextended himself or how he felt he had overextended himself because now he had to wear the plan to have one and we went through like a strategy session sort of thing, you know, help them out.

It went through all the finances of it, looked at the, looked at the potential growth for the area and all of that sort of stuff. And his situation, we did the 15 year. Fast forward, like looking ahead 15 years. So, so many people get focused on today. So we did all that. Ended up selling one even though I was kind of like, you should probably just keep them both. He sold one to basically pay off the mortgage on the other one and then that was probably three or four years ago in Sydney, so he can imagine what would have happened and how much better off he would have been if he had a capped it. But you know, oh well we all have those stories

investing man. Like that’s everyone’s life. And the cool thing is your dad owns a property outright now and he didn’t feel like he was stressing out every single day either.

Yeah. But there are fears that hold people back and so we want to help you identify those fears and then kind of move forward on those fears as well. Know face those fears and had some strategies to kind of get past them rather than get stuck in them. So the first beer that I’ve listed is fear of spiders, which I think I can save. I’m like crawling on the backbone. Nobody knows seriousness like fear of spiders I think is because of properties contained spiders. And then, then second one, the second one I had written down, which is one I know my wife really started, was with this fear of cockroaches. No, I think I may have stuffed up my notes that I’ve got going on here. Um, yeah. No I don’t. I don’t think that’s right. Maybe maybe you’ve got one of the right ones there. Then you can start off.

I think. I think a big one for me is probably fear of snakes, but seriously, I think a big fee for me, especially when I was getting started was the fear of taking that first step. I was in a financial position to Alberta actually move,

but I just sat on the fence for it took me nine months to actually get the confidence up, the knowledge and skills up to buy my first property and now I look back. I’m like, that whole nine months was wasted because most of that time was spent on real estate.com playing around as opposed to actually looking at the things that I known now matter. But fear of taking this first step was huge for me because I honestly thought that I was jumping out of a plane where in reality I was probably just stepping off the gutter onto the side of the road. It just felt like a really big deal for me at that time there. And I think that

fear of the first step doesn’t really reared its head as fear of the first step. It’s really hard to identify that you have that, but it would kind of look like, oh, you just need to do more research or you know, you need to find the next big strategy. Or if you’re jumping around between different strategies or different locations or different types of properties or all these different things. That could just be fear of the first step. Showing itself in a weird way. So I think it holds a lot of people back, but people don’t necessarily recognize they’re scared to move forward. They kind of get distracted by other things and don’t actually do anything because they don’t feel complete to be able

to take that step. And so I think if you have this issue and you’re not really moving forward, um, you know, I think one of the big things is education and getting yourself educated to the point that you really know what you’re doing now that you can know everything, but you’ve got a strategy that you know, fits in with who you are and with your goals that you want to pursue and you’ve learned about that strategy as well as learning about the finances and learning about the steps behind buying a property because really there’s not that many steps to buy a property. Right? It’s so simple man life. But it simple with retrospect I suppose. Like it’s really about identifying what you want. Yeah. Researching what you want and going and buying what you want likes property is that simple. But we make it really, really complicated and I aspect to two guys this week.

I’m, one of them’s in the Australian Defense Force. One of them is a project manager for a big construction company in Sydney. Both of them have watched every single one of your videos on youtube and listen to every podcast. No joke. Like that is a lot. We are getting out to 500 now. Like they’ve listened to hundreds of hours as mainly seen to you and I for two years. They finally, you know, booked in that strategy session with me. We had an amazing chat. They’re both in a position to move forward. They both completely missed out on the Sydney opportunity. They’ve been ready for three years after the strategy session. They both said that, you know, their goals were to buy in the next 12 months. In fact, they both said in the next three months I called them a couple of days after the just say where they’re at because you know that’s what we do and both of them said that they felt like they needed more information, no more research, more time and I called them both out on it because as people know, like sometimes a good friend or someone that actually cares about you is going to be upfront about certain things.

I said, guys, you don’t need more. Anything. You need to make a decision to go do this on your own and have the confidence to go and do it on your own, entertain that step because the things that are left for you to uncover can’t be learned without taking action and I can guarantee both of those guys won’t buy a property this year and they’ll miss out on, you know, five to 10 percent growth in the right suburb in the Brisbane market, which is where that both identified they wanted to buy and it just breaks my heart man. Like it’s so frustrating to see people not thinking about the longterm effect of not taking action in the right times of the market. Obviously you don’t buy at the wrong times, but if you’re in a position to buyer, like, you know, sometimes more information, more education is part of it. Sometimes you’re overeducated and you’re just using that as a crutch to not do anything at all. What do they call it? Analysis paralysis where you just spending so much time analyzing stuff that you never take any action at all. Yeah. So many different ways of doing the same. Sometimes you just have to find out what’s right for you, take a low risk approach and then you know, go and make a really smart decision for yourself

and that’s one of the big ways that I think people can get past this fear of the first step and that’s to really break it down into start taking really small steps. So rather than your first step being the giant leap to go from no properties to one property or from just owning your house to then owning an investment property as well. Break it down into what are the steps that it takes to actually purchase an investment property. And I did an episode on this ages back talking about 21 different steps towards buying an investment property. So everything from saving a deposit to speaking with a mortgage broker, getting preapproval for finance, all of that sort of stuff. So let me just find it. If you go to [inaudible] dot com, EU forward slash two 67 to anyone who’s interested in that, you can check out that episode, but basically just break it down into really simple steps and look at what’s the next thing that you need to do and start taking action towards that.

So it might be saving a deposit. It might be choosing a strategy of how you want to invest and might be choosing a suburb to really hone in and research on. It might be going to see a mortgage broker and getting preapproval like each of those is just one task. That can be easily done. Like if your next task is to go and see a mortgage broker and get financed preapproval, but that’s pretty easy. You just call up a mortgage broker or try and get a referral for a good one actually, and then just go to the appointment, like rocket hub. Actually go to it and then they’ll walk you through it and so like that’s pretty easy to do, but that takes you on massive step towards actually buying a property and you do enough of those little steps and Lo and behold you’ve bought something

100 percent. Like there’s so many examples of people that I speak to every day that are just in such good positions to completely changed their lives that struggled with that step and I fully get it. But yeah, taking little steps makes so much sense. Yeah. Little baby steps. Maybe once I’ve got a full week, four week baby, four week old baby at home at the moment say it’s actually out of control. I forgot to how intense having a newborn baby was after having two other kids that were sort of becoming self sufficient at like three and a half and five and a half. It’s a big different. The jump from two, three is massive. Hey. Oh, I did like you’ve done it and I was like giving you a hard time about it when I didn’t see you for like eight months in now I fully get it because I don’t think we’ll catch up for ages.

I don’t think I slept well for the first four months because he couldn’t sleep in a bed, so only sleep in one of those bouncy chairs. But you can’t leave them in that because it’s since hazard. So I would stay up till 2:00 AM. It makes sure he’s still breathing and all that good stuff. And then wife would sleep til

two and then we’d like crossover and I’d sleep from two till maybe eight or something in the morning and she’d take over from to. And that was like the first four months of newborn. It was rough.

That said, I suppose I’m gone through this journey of the newborn baby. I’ve still bought in this time that Lisa was pregnant till now we’ve, I think we’ve bought three properties in, done a subdivision and built two houses. Say you know, like don’t use it as an nice.

Can you say that? So I think one of the other issues that people have is that they don’t have advisors around them or they have limited social support. So often you get people who are really interested in changing their lives. They might be listening to us or then maybe they’ve read a property book or something like that and they want to move forward in property but just got no one to talk to about it and no one really egging them on and encouraging them and getting them to take action. They’ve got people who just don’t care about property or who don’t own any property, but you’re giving them advice about why they shouldn’t invest. All of that sort of stuff.

The big thing like I’ve learned from the people that cared that name Nice, like my closest group of friends and my family from going through these journey, is there going to be excited for you when you take your first step, they can’t be going, you know, like what’s going on. If you ever take a second and by the time you take a third, you know there’s a real divide and nobody ever wants to hear about it again. Yeah, I completely get that. But he just

come this like oddity in the corner that’s like people because you’ve actually gone out and done it and had success in that. People don’t want to hear about it, but I only want to talk about why you shouldn’t invest in

and no one has done it. Really wants to talk about it either because like have, you know, boring is talking to you about what you do. But you know, the reality of that first step is a lot of the advice I was getting was, you know, you sure you want to be doing this or you know, like is there. Their way of protecting me was to stop me actually taking an action that they didn’t know how to take on their own. And what I’ve learned like a. particularly from my families, they didn’t understand what I was trying to do. They still don’t understand what I’m doing or why I’ve gone and done.

And your entire family works for you, works in pumped on property or some other business.

My brother, my mom and my sister definitely get it, but my mom still doesn’t get it brown, like my extended family’s like ostracize me a little bit just because of like the stuff that we’ve done. But you know, at that very first stage it was like even mom and dad will like, you know, why are you buying a property? Should you be buying one? Is that the right one to buy? And I realize now that was their way of protecting you, but that’s not the right advice you need to hear when you’re trying to actually make something of your life. You need people that have experienced in doing it, supporting, supporting you, I suppose, as opposed to trying to sort of cut you down to protect you.

Yeah. And so I’ve experienced this many times in my life. I’m still experiencing it today. So we’ll talk about some of the things that you can do to get friends and people who will encourage you. And then we’ll talk about, if you’re maybe like me and more of a lone wolf sort of person, how you can get encouragement and stuff without friends. You know what I’m saying about that.

Forgetting Sarah Marshall movie right now. Any light our couples retreat when he likes the gun, the asked while they’re doing yoga and he’s like engagement. Where do you get your encouragement from?

Um, so one of the things out there is property groups. So if you go to meetup.com, then there’s generally property groups in your local area. Like I am up in Noosa, which is not the most populated areas. And there’s property groups up here. So the chance of a property group being wherever you live is pretty high unless you’re extremely rural. So that is one way to start to meet property people, is to just go to a meetup, going cold Turkey and try and learn about investing. Be careful if there’s people trying to sell your property there, there will be people trying to sell you property. They’re just ignore them. Yeah. That’s the thing that I hate about meetups is that there’s so many people that are just there for their own financial. Yeah.

Again, they’re using it as a lead generator and it makes me sick, man, like they should. You shouldn’t be allowed to talk product at those events. I should just be for people that want to share ideas in an open environment. Yeah,

and so I don’t. I haven’t been to a property event in a long time. I used to go to business events and the stark difference between some of them was amazing. I would go to one business event and the whole thing was just a pitch fest where people were trying to sell you their business. So this one lady walking around who cleaned air conditioners and she’s just shoving a business card and your face to everyone that’s there. Like I’m just trying to go to meet people who run their own business and I need my air conditioning claim. Thank you very much. No, there’s ones like that and then I would go to ones and just basically hanging out with people and talk. There was this dude who owned a Delorean, you know, from the back to the future. Oh, no way. Yeah. He owned it and he was legit doing it off and he, he was even on that show.

That was. I’m pretty good with the bad guys. Yeah. Yeah. He was on that show, like a gateway on whatever it was. Beauty in the game pad and the gay. Yeah. But it was just great. Like hanging out with these guys and I got so many good ideas from all of these people from different industries and he wasn’t trying to sell me anything. It was great. So. But property, property events are the same. Some of them at epic and you just met really nice people who are interested in investing and just want to talk and some of them are just gross and like the one with the air conditioning lady, they then had people speak on stage and I just uh, baled hay people started about the headshot

business and I just left. I’m sorry, this is gross up leaving.

Yeah. I’ve actually never been to a property event like a networking one or like an education one that I didn’t pay for, but I have found some of the ones that I’ve paid for. Even some of the one day events that aren’t like the designated property groups in the big cities that go around like you get some really cool people at those events that are likeminded and I’ve become friends for a period of time with some of those people and share different ideas. It’s cool catching up with them for lunch in between the sessions and talking and stuff like that as well.

Yeah, so I think it’d be go these sessions, you’re not looking for someone who’s going to mentor you, but you’re looking for other people who are interested in property that you can maybe go out for coffee with these people and just chat about property in general. You don’t need to get expert advice from these people, but just hear their story, hear their little tips that they’ve learned along the way and you do that enough times and you can really feel encouraged and can motivate you to move forward. Or if you don’t want to go to those things, then even looking at your local network of people that are around you, so maybe maybe it’s family, maybe it’s colleagues, maybe it’s parents from school. It could be from any part of your life. Maybe you walk your dog along the beach and you see the same people all the time. You never know who in your life

do you own any property. Do you own any property or you answered property, come here, but sometimes there’s always someone in your life, right? That is, you know, one or two steps ahead of where you’re going to be. Whether it’s mom, dad, a friend, or the guy walking the dog on the beach that you harass. Yeah. Like those people are always down to talk about it. I’ve found like everyone likes sharing their own story and then learning yours as well. Yeah. Well, and it can be so hard to

find common ground with other people in your extended network, so parents from school and colleagues from work and stuff like that. It can be hard to find things to talk about and have you find that they’re interested in. Property can be a great conversational point. You can again go out for coffee and chat about it and hear their story and then they’ll tell you what they have done and you just take little bits from each of these people. Or even if you don’t take advice, you just get encouragement from the fact that there’s other people out there doing the same thing.

Encouragement. Um, there’s so many. There’s so many online communities as well, like there’s some great facebook groups that I’m a part of. There’s also some really cool forums where again, it’s kind of like some people that try to have an agenda, but most people are, they’re just answering questions and stuff too. So there’s a lot of help. And then, you know, there’s the informal friend, which for a long time like listening to your stuff before we even met and other people that are listened to and respect online. Like I listen to so much of certain people’s stuff that I actually thought like I was hanging with them. So

that’s how it works. You Watch people’s podcasts are there videos and you listened to them so much that you know them and you feel like they’re friends even though they’re not, but that helps so much. I used to do that all the time. Driving around as a pharmaceutical rep, listening to podcasts about investing in property in. You feel like you get to know these people and it really, really helps. Yeah, without a doubt. And it helps him. It helps to teach you and stuff as well because I live in this world because I’m constantly thinking about new things and strange things and weird things and my family and generally not on board. They weren’t on board with me starting my own business. My mom always wanted me to just get a job. What are you doing? Why? Why would you quit your job to start your own online business and do that.

But I never had the support around me. So for me as a lone wolf, I always got my support from podcasts and I always got my support from books and from videos and things like that out there. And as you listen to those, you get huge amounts of knowledge, which is absolutely epic, and you start to understand property from another perspective, from people who have already done it or people who know more about it and so you start to live in a different world to the people at the barbecue who were telling you not to invest for no reason. They don’t really know why. They just think it’s risky to now you understand how to research areas. You understand what makes markets go up and down. You understand that you can make money renovating or you can buy under market value and you you start to exist on this higher level playing field compared to these other people. You understand it more so then you’re more likely to make a decision to move forward because now you’re working from a level of understanding that is so much higher and I found that in so many areas of my life, once you expand your knowledge in a certain area, it stopped mattering. What everyone else is saying because you know more than they do.

Yeah, and you stop engaging in conversations with people that don’t support your world. Do you like I have, I listened to people more than I speak to people most of the time just because I’m fascinated with learning the same as you are and um, when it starts going down a conversation where someone’s talking about something that, you know, it’s just completely untrue. It’s not like the old days where I feel like I need to challenge his challenge. Someone on something. It’s just you let the conversation go when you exit the conversation or you change it. Like I find it amusing now when that happens to me, he liked getting into somewhere. I’ve put out these, these

little comments just to kind of get reactions from people and see what happens. And so I’ll say, you know, I’m really, I’m kind of working in the crypto space at the moment and just let what people say about that sort of stuff and then just let it go. And yeah, as you said, you don’t try and fight people. You just let it go. The same with property. Everyone. Everyone has their own opinion about the property market and how to invest in. You kind of say a little bit to get them started and then they go off on this huge rant and then it just reveals how little they know once

you actually know what you’re talking

came out and said, we’re such different people. I like even with love white shirt, black shirt today. Like I just. I love it, man. That’s why we get on so well because we are. We think so differently. You could do that to me all the time. Now that I think about that you disliked by that new little things. Then it starts me off on a tangent, stir the pot and you get people talking and

it’s really interesting and then I. I often will test responses to people. Not, not that I’m trying to fight them or anything. I’m like, okay, how do I explain this? What happens if I say it this way and then see that person’s response. Then the next time I talked to someone and I’ll say it differently, that’s the salesman in me, is just constantly analyzing how people are responding to what you say and adjusting your message accordingly. So listen. Um, but yeah, so hopefully that helps in terms of limited social support in terms of not having advisors around you. Then, you know, listening to me or band or getting around these people in your network who have invested in property. You can easily find decent advisors that way. If people have already done it and they’ve gone through an experience with a company or with a solicitor or a mortgage broker and they’ve had a good experience, then you’re way more likely to get a good experience as well. So if you need advisors around you, then you can contact me or ben or just contact people in your local network because they’ll, they’ll recommend local mortgage brokers and local solicitors that you can more easily work with and that can help you build up your advisors

table listening to these podcasts. So watching this as a video will digesting this in some other way when wait, when ron and I are talking, how would they digest it in another way? Well, some people listen to it on the train through the little soundcloud thing that you put on your blog and you know, there’s so many different ways. Or they could be reading the transcription. That’s right. What are the ways in other ways that you can distribute it, digesting it, you’re eating it, putting it. Well, Ryan and I do talk a lot of trash like this. Again, you’ve got to remember that, you know, between him and I, we’ve helped our clients buy over $150, million dollars worth of property in the last three years. So it’s coming from a place of experience and if you’re just listening to this stuff, you know, it’s a, it’s probably a lot better than the person sitting over the other side of the table that’s never invested in their life as well. Yep.

In this off, talking about this sort of stuff, we’ve seen so many people with these fears and helped so many people through these fears that we know it’s pretty common out there. Chances are you’ve got at least one of these, if not all of them. I call you once a week with one of these phase man. Last month was a big month of long emotional sessions with them freaking out about stuff and maybe in his psychologist on the side. Thanks. No worries man. All right, so next thing I think we should talk about is limited time and having limited time to actually do this because we’ll both of us, we’ve got three kids, so automatically time is extremely limited by default. Just having multiple children and working jobs or we work businesses as well as having things that you enjoy doing on the side as well. So if you had soccer or surfing. For me it’s the beach or video games.

We have a lot of things in our life, so a lot of us have limited time that we can commit to this and that makes it hard to move forward and to take the next step because you never really have put enough time into it to really know what you’re doing and I think there’s not a single person that ran in Western society like we’ve been brainwashed with this concept that there’s not enough hours in the day. We’ve got to remember that like you may everybody listening, the Dalai Lama, Donald Trump, like Richard Branson all have the same time. It’s just where they focus that time and attention towards a specific outcome in the day. So I, I can’t stand this concept of limited time. What I think people are really saying is I’m not focusing on that time in a meaningful way. Like you could spend two hours a night mucking around on real estate.com for a year and just completely wasting yourself.

Or You could spend 15 minutes a day listening or reading or getting focused information about a specific suburb and that time will be far better invested. Yeah. Well, I think there’s this great, great quote that I can’t remember where I heard it from was from another podcast and it was you can have anything you want but you can’t have everything you want. And so if you want to invest in property and have financial freedom, you can have anything you want. You can have that, but you can’t have netflix. Bingeing every night as well. You can’t have everything you want. You’ve got to choose what it is that you want and you’ve got to focus your time on that. And so if you want to invest in property, limited time is not really an excuse. It is. You know, something that you’re choosing to do and that’s not to say that you need to dedicate your entire life to researching property or anything like that.

But I’m sure there’s a time in people’s days where they could be spending it either listening to this podcast on the train as I go to work or while they’re driving or brushing their teeth. Or they could be spending time researching suburbs rather than watching the latest episode of Star Trek on Netflix, which is actually a pretty good series. Definitely. I don’t think anyone’s going to listen to that that seriously. I remember getting on the train, obviously growing up in Sydney after I finished university, I got my first job with IBM and I used to get on the train every day from cronulla engaged at St Leonard’s in the north side of Sydney. Sales like on the train for probably two and a half hours every single day. Um, which is another

story in itself. But I used to get on the train and always exhausted. Like everyone’s exhausted. Everyone’s got their life. And in that first year I read literally in that first year of my Grad program, I read 52 books on the train just going back and forth. And I’d be. I hated sitting on the train. I used to standing up. So I’d read these books standing up and I’d be looking around. I’m like, there’s 100 people in here and maybe two of them are doing anything like. And I’m like, that’s, you know, for me three hours a day of productive time that I couldn’t do anything. Like if there was a little gym on the train or something like that, I’d probably be working out on it. Um, but I was stuck. So, you know, I was making the, most of that time I think those 50 books that I read have now resulted in over a million bucks worth of property investment related income since I was 24 until now, just because of that information and that stuff that I got reading every book in the Australian property market, the American property market in the UK market at that age.

It completely changed the game because, you know, again, it’s the same use of time, but it’s, it’s how it’s, how we all say it as well.

Yeah. And that’s the same with me because I used to be a pharmaceutical rep who would drive around to pharmacies and I used to spend the time between pharmacies over driving to work and stuff like that. I would listen to podcasts and I would listen to podcasts and business podcasts and things like that. And it just completely changes your outlook and changes your life, so that’s definitely one way to maximize time, but I think also often people are too scattered, so the time that they do spend looking at property is not really spent productively. So I think getting clear on your strategy and the way that you want to invest is really important. And then really narrowing it down and focusing on key things like learning how to research suburbs and then when you’re spending your time on property rather than just trolling real estate, don’t come to you and saying what strikes your fancy.

Having A. Having a legit purpose to what you’re doing. So rather than just browsing the web and browsing properties, you’re saying, okay, no, I want to identify a suburb that fits in with my particular goals in my particular strategy on how to do this. Our research, because I’ve been through Ryan’s course or I’ve been through some other course or I’ve learned it from Ben or from podcast here. I’m going to spend that time doing suburb research until I find a suburb that I think matches up with my goals. And then once you find that, then you spend your time on real estate looking at properties in that suburb to try and understand the area, to know what the prices are there and stuff like that.

If you know how to identify market, which probably takes one hour, if you know what you’re looking for, if you then know how to look at that marketplace and reduce it down to a number of suburbs, which if I was starting from absolute scratch, knowing what I know would probably take a couple of hours. All of the obsession then on is just

at the suburb level and really getting into lambda suburb and you can analyze a suburb again within about an hour if you know what you’re looking for, so four hours of time. You can have a complete strategy in place if you know what you’re doing and Ryan’s course will help you do that. Or these videos can help with some of that stuff where we talk about this stuff. Then it’s just like, I know this other job. I know the type of property. I know how much I’m prepared to pay now. All it is is just waiting for the right property to come up, which could take a week. It could take six months, but I can guarantee it will come up. So I think if you’re that person that hasn’t pooped your suburb yet, then the steps that you can take straight away is first get the Herron, todd white month in review report and look at the markets in that area.

Start narrowing down your markets and then go to on property condo. You forwards that suburb and there’s a course that I’ve done over there that talks through. I think it’s about 20 different sub indicators that you can start to look at and so you can start analyzing different suburbs in those markets and this does take time. It’s probably half an hour collecting the data for each suburb or maybe an Arrow, but you haven’t done it before and then you’ve got to collect a few and kind of compare them to each other. But that. That would be time really well spent. And then I think once you narrow it down to the suburb, as Ben was saying, then your time becomes really getting to know that suburb in the same way that you live in your suburb and you know what the good streets are, you know what the bad streets are, you know what’s the desirable area and all of that sort of stuff.

You want to know this suburb like that. Plus you want to know all the financials of this suburb as well. So you want to know how much houses are selling for what’s a three bed house in a good area of that suburb, selling for versa for bed, what’s what’s things listing for versus selling for knowing all of this data on that suburb and spending your time collecting that sort of information and then looking at what’s on the market. Then when something comes up that’s price or that you see as a bargain or that has opportunity instantly, you know, because you already know that suburb like the back of your hand and that’s time well spent. Versus just looking on realestate.com at anything that’s on there. The last three properties I’ve bought took me less than 30 minutes to buy to actually find the property and buy the property.

The rest of the time was spent getting to know the suburb over the three or six months before that life. Literally. It’s insane how quickly you can buy when you have the confidence to know what you’re buying and I don’t want to go down this rabbit hole today, but maybe we should do a really deep episode on market, on suburb, on property because there’s so many little tips that you take for granted like that. I didn’t know until I bought five or six properties that completely changed everything. Yeah, so I think rather than just [email protected], spend your time wisely if you have limited time and then the last thing you can do if you have limited time, which is kind of self serving because Ben’s a buyer’s agent, but you can hire a buyer’s agent who will do it all for you. So there are people and there are situations where it’s not worth it for you to focus on learning all of these things or you have no passion for it or just as doesn’t really make sense to you because you don’t work well with numbers, which a lot of property is numbers.

So what might be better for you is to spend that time focusing on your career or your business and growing your income that way or focusing on managing your budget and then hiring a buyer’s agent who can help you identify the right areas as well. I think you should do a base level of knowledge to know the buyer’s agents doing a good job over there, trying to rip you off. But I think for some people that make sense to get a buyer’s agent if they have limited time

and I think you’ve recorded videos on how to select a buyer’s agent and all that sort of stuff so that you can actually vet two or three different buyers agents in the right way as well. Because you know, like anything in life, not everyone’s created equal either.

Yeah. And even though I recommend Ben, you know, there’s other buyer’s agents out there that may be more suited to people

based on the buyer’s agents, man, like we only take on a limited number of people each month. Like I actively pushed people to other buyers agents if I think that’d be more suited to their business because at the end of the day we both just care about giving someone the right outcome. It’s not at all about the money anymore, although we take the money because it helps. Like it’s still good to make money of course. But man, it’s not the reason why I don’t think you are on our 100 percent in business anymore. No, well that’s the thing. We have the privilege that we’re able to help the people that we can help the most and people that we can’t help, we can point them in the direction of someone who can. So what have we got? We’ll go through three so far. So we’ve got two more that we want to cover before we finish off this episode. And the

next one was fear of failure. So not taking action because you’re scared of buying the wrong thing or scared of failing at investing.

Fear of failure is that they number one motivator in my life. Ryan, I’m sure he can contest to that. Like how much of my motivation is driven by like running away from a shitty life in the future.

There’s a fair bit. I wouldn’t say it’s everything, but the. Yeah, there’s definitely more in your life. Then there is a fear of failure for me is a lot smaller, which my wife gets very frustrated with because she has more fear of failure than I do, so I’ll go and do stuff and I will fail. It does happen and then it’s like, aw crap. I probably shouldn’t. I probably shouldn’t have done that. I remember when we were super poor

living in Kells, mom’s granny flat and I dropped a thousand dollars on these USB sticks that I was importing from China to sell on Ebay and that will all duds. Every single one of them was just a piece of poo that didn’t work and that was a thousand dollars. Then us was

so much money. That was like a lot of money and we’re really tight for a long time because of that and I was like, oh damn, I shouldn’t have done that, but I just, rather than doing $100 and seeing how it went, just jumped in with everything we had and I continue to do that more than I fear failure is a good motivator in my opinion because it stops you making silly mistakes because. Yeah. But I mean I’ve made everyone’s made those mistakes like you and I call it learning rather than failure these days. Well, I’m lucky because I take my failures, I really learned from them and I work out how I get super focused on making that money back plus more so I take that failure and I’m like, okay, I’m going to draw every little last drop of learning out of this that I can and I’m gonna work my ass off to make that money back as quickly as possible. So then it’s like, that value never happened. So failure makes me come out stronger. What happened the other day when you jumped 25 k on a bitcoin announced where Sikhs folks, I didn’t drop that much.

Um, but yeah, that was definitely. That was definitely a big drop in bitcoin recently, which was an interesting experience. Completely different conversation that, um, yeah, we’ll do that in another episode and maybe we should do an episode on all of the major values we both had. That’d be cool. I’ve got quite a few that I could probably list right off the top of my head. Think about it. It’ll go even more. All right. So anyway, very familiar. Some of the things that I liked to do, and this is even recently is you think about what’s the worst case scenario. So let’s say I go ahead and I invest in whatever it is you’re investing in property because this is a property podcast. What is absolutely the worst thing that can happen. And let’s say that you buy a property like Ben Sanremo House where you end up having a meth lab in your property and the property gets intentionally burnt down.

You know, like looking at these extreme examples and saying what would happen in those situations can help with the fear of failure or something less extreme as, okay, if I was to buy an interest rates went up by three or five percent, how would that effect me? Really looking at these bad situations that can happen and say what’s the worst that could happen and how would that affect me? And often it’s not. You go down these rabbit holes of what the worst is and it’s not that bad and you’re like, okay, I’m willing to take that risk because what’s going to happen if it does go well and that’s going to be better and obviously you make decisions to minimize the risks and minimize the worst case scenario and then you take actions to maximize the chance of a good outcome as well. But I think doing that activity is really helpful. What has been 100 percent agree? Like there’s three worst case scenarios in property for me,

the first egg a property and it loses you money over the long term. The way to mitigate that is what we discussed before, which is identifying the right market type of property and suburb and then buying a quality property and holding it for the long term. You know, the second biggest one, which I’ve also experienced personally. Use your property, gets completely trashed by your tenants or burnt down, never happens, right? That happens more than you’d like. We’ve ran a property management company with 200 properties under management at the moment and three of caught fire in the last two years, so it happens more than you think, but the way to mitigate that is to have landlord building and contents insurance and if you’ve got good insurance, it doesn’t matter because you get the money back and you get paid for the missing rent in most instances as well.

The third biggest one is your property not producing income for you, or at least these are the three big fears that I have and that 100 percent comes down to identifying the right property manager and if you can, you know, take those three big fees off or the three big fears that I have as an owner. Then the rest of the property is pretty simple. That one, like fear of your property being vacant is huge and I see that all the time with people. How do I know my property is going to get rented? It’s why the defense was housing concerns sell these properties over price and can charge these exorbitant management fees because they guarantee rental income. It’s why these property spruikers can guarantee rental income and so you pieces of crap overrides pieces of crap. That’s why people can do that, but seriously, you just lose some quality suburb with a vacancy rate under two percent.

Yeah. And have a good property manager and that takes that fear pretty much straight out and be open to being flexible on rent. If the market’s saturated, drop the rent by 10 bucks on the first week, not the fifth week after you put it online. You know what I mean? Like you can get around and stuff. So easy. Yeah. Go to on-property Dotcom, forward slash vacancy. If you’re scared about this, that’ll redirect a, I think it’s sql tool on vacancy rates for a suburb and that’s like one month delayed. So it’s super up to date and you can see what the rental vacancy in an area is and if it’s below two percent, that’s generally a good sign. The lower it is the better. And some of these areas that zero point one percent vacancy and stuff like that. You don’t need a guaranteed rental return when you’re investing in an area with zero point one percent vacancy, 100 percent. And like a lot of the areas that you and I look for for clients are sub two percent and if it’s a quality property inequality, straight price correctly at the right time of the year, like if you’re putting a tenant in the first week, um, you know, and they suburbs can’t be any more built up because the town plans aren’t changing. They’re in a metro market in Brisbane, Sydney and Melbourne. And um, you know, like, I don’t know, this is

just like I could rant about this stuff. This is one of those things to me going off on a tangent because what we’re trying to talk about is fear of failure. And so I think we’re not talking about vacancy rates. We’re talking about fear of failure. And one of the things that you can do as well, like I talked about, the worst case scenario, you can also look at what would happen if I don’t take any action. So what would happen in 15 years if I don’t buy any property? And what’s Your Life gonna look like? Chance. I would probably look pretty similar than it is today. Versus if you were to invest in property, take some risks, and if it was to go well, where could you be? Could you achieve financial freedom and how different would your life look? Could you, if you go ahead and invest, have the time like me and Ben do to go ahead and pick the kids up from school and spend time with your kids when you want to.

Like even just having the freedom of choice that you can do what you want. That might be spend time with your kids. It might be playing golf every day. I might be going on holidays. It might be working in a business that you absolutely love. Yeah, if you don’t do that well, if you don’t do that, you might be stuck working in a job that you hate because you’ve got to pay the bills and you’re in this company that treats you like crap and you don’t believe in their vision at all. They’re not doing anything good for the world, but you stuck there. That’s the fate that I don’t want for anyone.

I talked to her, this amazing doctor the other day. He just signed up with our business and he was telling me story and it had 40 years of age, he decided to be a doctor, like, you know, there’s a whole thing in the medical profession where you go straight from uni into being a doctor and that’s how it works in that field. And he had a friend to him saying, you know, at 40 years of age, he’s 15 now and he’s registered at making amazing money. He’s like, well, you know, where will you be in 10 years from today if you don’t become a doctor? And he’s like exactly where I am now. And he’s like, where will you be in 10 years if you start this process? And he’s like, I will be a doctor. He’s like, we’re. But the question he asks his friend was, where are being 10 years anyway?

I’m still going to get there on those. We’ll get to the place that I want to be and it kind of blew my mind. It just fully flipped the situation. We’re all going to be 10 years older. Most will be 10 years older and exactly where we want to be doing what we want to do. Financial Independence means nothing to me in terms of money. It’s just that it’s just choices, man. Like it’s so sick to be able to drop my daughter off at school. She started school this year like two and a half weeks ago or three days a week and pick her up two days a week. Like I love the flexibility to do that, to not work Fridays anymore and to get a three day weekend with my family every single week and still run businesses and still buy properties and still do the busy but in a different way.

Yeah, I love that stuff. I think that’s key is just look at what would happen if you do nothing and what would happen if you do take action because often getting to where you want to go. It’s not guaranteed because obviously there’s risk in property, but a lot of the stuff that you need to do, you just need to do it and then it gets done and then you move onto the next step and eventually you move towards your goal of financial freedom and they take longer or shorter depending on, depending on how the market reacts and how things change, but generally if you do the work, you’ll get there and has been saying in 10 or 15 years you’re going to be 10 or 15 years older and depending on what you did in that time will depend on where you’re at and what your financial situation is.

I spoke to this guy yesterday did. He was such a cool guy and he’s spent the last two years in all every single program you can imagine where people take in money in property. He’s done them all. He’s literally spent 35K, and two years and he still hasn’t bought. Yeah. Hey, I walked in this morning and he. He signed up with us. I said, your property strategies when a two properties in the next 12 months and you’re financially independent, like he was starting from a very good position, he’d been stuffing around for two years. All he wanted to do was focus on his part time business outside of his job and turn into a full time Gig, but they’ve been wasting all of this time and attention on property with these advanced strategies. He thought he needed a boarding house. He thought he needed this and that.

I’m just like, dude, this is so simple. If you just do this. The the, like the penny dropped like he doesn’t want to be doing property. He just wants the benefit of being financially independent from it. What he wants to be doing is spending his life during his business and it was really interesting to see after two years, it can get so complicated the way that people talk about executing on this strategy. It is so simple. If you pull it back to basics, you actually have a plan in place. There’s not based on fairy dust, but how to actually get there. I go to the best email the other day from a customer of mine who signed up to my own property service where I share a positive cash flow properties and he’s like, I want to cancel the service because I’m so confident here. Oh, Hi Ryan. Am I able to cancel the subscription to the positive property examples? I’ve been going through the on property course and then more confident and finding them myself now. Thanks for a great service. This is. This is what I love. I haven’t written back now, but I’m going to write back today because I’m back at work today

and just say this is. This is absolutely what I want people to be is that people go out there and take action and then they can go ahead and do it themselves. Yeah.

Those that like that’s the whole reason you do all of this, right? Like so that people can do it themselves.

Yeah, and so this person doesn’t have the fear of failure to find positive cash flow properties now because they can just go and do it themselves. It one step closer, which is great. I love that. So that’s cool. Um, oh yeah. I forgot to say it. This is what I was going to say because when you’re talking about the doctor who is studying to become a doctor when they’re 40. I went to this wedding in New Zealand last year and they were all doctors, so my mates, adopter and so all his friends are the wedding with doctors and it was literally like 50 slash 50. Absolutely hated their job, will absolutely loved their job. Are the ones who hated their job. They were still doing it because they’re making 300 k a year as a gp or something like that. And they’re looking at the market and saying, where else can I make 300 k for doing what I’m doing? You know, if I go back to start from scratch, I’m like, you, but you hate your job. Like you hate your life. Why would you stay in a job that you hate? I don’t think it’s worth it, but people just get stuck in this Rut and they just get scared to move forward. So hopefully some of the stuff we say today, you can help people move forward because if these people were to be financially free, they wouldn’t care about that 300 k a year. They would go and do what they wanted.

One hundred percent. It’s just, it all comes back to the choice to do what you want to spend your time doing.

Yeah. So one last one before we wrap it up and that is a more practical one and that’s control of your finances. So if you don’t have control of your finances, if you don’t know what money’s coming in and going out, if you’re spending more than you’re earning then obviously that’s going to hold you back from investing in property because you won’t be able to afford it or you won’t have a deposit.

I’m just saying you’ve got the word control and unlike, um, so focus thinking child Monday to Thursday. Yeah. And then there’s this part of my personality which is the Friday to Sunday then, which is like uncontrollable and out with spending money just with like the way that I operate. Like it’s kind of, I think most people like that, like they periods have tight control and then you know, it’s the whole certainty, uncertainty thing in life life too much control is intense, but at bit of focus control gets you what you want as well. It’s a, it’s a double edge sword.

Yeah. Well and that comes to obviously you need to identify what’s coming in and out, but then budgeting is really hard for people and I’ve had people talk about budgeting or who did budgets and they’ve got. They break everything down into every segment of their life and they can spend this much money on coffee and this much money on groceries and this much money on petrol and all of this sort of stuff and they get really controlled in those areas and for some people that works. But for me and my wife, when we do that, it’s just you feel so controlled that you end up just giving it up completely. And so we’ve been budgeting lately because we’re trying to save to buy our own house and it’s. Our budget is more. We have a weekly budget that we seek to, but you can fluctuate what you spend money on within that budget. So if we have to spend more money on petrol because I’ve been driving down to Brisbane, then we can do that and spend less money on going out for dinner that week or whatever it might be. Have we need to buy shoes for the kids, then you know, I can not buy a case of B is that way.

I’ve done it both ways and I’ve found my pace with the way that works best for me and I think it does work best for most people. In the early days when I was buying my first property, I was very, very disciplined because the income coming in was literally. I bought my first three properties, like 50 grand a year. Um, and so I was like, this is how much I have for these feasts, expenses in my life. I work to cut all the expenses out of my life that I didn’t need. Still went out for lunches, dinners, breakfasts, and trained at gyms and stuff because that adds more value than it took away, but I was just disciplined with a budget and sticking to it and had different accounts for different things so that I could never do it and that worked really well as my income increased slightly in my partner, finished her tafe course and started working and we had a combined income.

What we decided to do, rather than have a budget was we’ll just both transfer x amount of dollars per week, which we could afford and that became our investment money and everything else could be spent and so I felt really, really comfortable that I was always moving towards my goal, but I’d no longer felt like I was sacrificing something to get it and we continue to do that. Like every single week. We just transfer a certain amount of money and as our income has increased, that amount of money has increased proportionately as well. It’s just a fixed amount and that changes everything because every single couple of years I now I’ve got another deposit or I’ve just got more savings in the bank if I want it.

Yeah, and people underestimate how powerful this is and how good they are at doing this because every week or every month they pay their rent and when the electricity bill comes in, they pay the electricity bill and people are really good at doing this when they have to, but then they think with saving and with budgeting, the. I don’t know. It’s like I don’t know if it’s greed or if it’s over optimism or what it is, but the thing if I budget and spend less than I’ll be saving more. Whereas if you just say, I’m going to save this much money and be happy with that amount of savings and then I can spend the rest, then you don’t have as many of those control issues that we talked about where you get so stifled by your budget that you just give it up completely.

In that grade book. Rich Dad, poor dad, which I know a lot of people listening or watching would have sane or red. It’s, he just talks about it. So simply just pay yourself first. There’s always going to be an electricity bill suede life, but if you pay yourself first then you just have to figure out the other stuff after. And I know I’ve had times where literally when I was at university for four years, I had $7 left at the end of the week for four years to spend like and I was working my ass off at Uni as well, like um, that was my life. Like I had to learn how to deal with that, but you know, I couldn’t pay myself at that time, but I knew as soon as I had a surplus again, I would be paying myself first and that became a habit and that one habit has resulted in, you know, a complete transformation in our lives.

Yup. And so hopefully people take that tip and they start doing it themselves. You also don’t feel like you have to start with a really big amount and think, okay, I want to say 50 grand in a year, so I’m going to put a grand aside a week and then you only have $7 left to liberal, but you’re actually married with a kid or two. That’s probably not realistic, but even just starting with, I’m going to put $10 a week aside or official as a week aside or even $1 a week aside. You start doing that, getting into that habit, and then if you feel like you can raise it up, then you can raise it up over time. Think about this as a habit for life that you’re going to do every week for the rest of your life. Not something that you only need to do for a year to save your house deposit or to buy their next property.

But this is going to become a habit. So if you start really easy and it becomes a habit and you just slowly raised that up, then longterm you’re going to achieve more than if you try and overdo it straight away. And then you give up on it completely because you’re trying to save too much. So just be careful with that and really try and build that habit in for your entire life. So that kind of completes our five things that hold people back from investing in property. We talked about fear of taking the first step. We talked about having limited social support or no advisors, limited time, fear of failure and control over finances. So hopefully we’ve given you guys some tips on those. I’m not going to recap our solutions to each of them because that would take too long. Probably take us another hour just to do that.

But if you can’t remember what we talked about, which let’s face it, it’s been an hour or something like that already, then go back and have another listen to this, another time around. You don’t have to only listen once. If you need some of these tips, then go back and listen a second time. Maybe get a pen and paper and write down just one thing that you can take away for yourself and your life that’ll help you move towards buying a property. You know, we all get the same amount of time. We all get the same amount of opportunity. It’s just what we decided to do with that. And as Ryan said, like an investment journey isn’t a sprint. It doesn’t matter if you buy the property this year, next year, in three years when you can. What matters is what you consistently do over the next 15 or 20 years.

Yeah. And so we hope this helps you guys, whether you plan to do it yourself or whether you plan to hire buyer’s agent or whatever it is. But I think, yeah, these are some key things. These five things actually came from Ben and the strategy sessions that he’s been doing with people and the things that people have identified that’s holding them back from buying a property. So this comes straight from the horse’s mouth, basically straight from people having strategy sessions every single week who were trying to get clear on their goals. So chances are that you have some of these and I guess I want to let people know that they can get a strategy session with Ben and his team over at pumped on property. So if you’re having trouble and you don’t know what’s holding you back and you want to get clear and you want to start moving forward in property, then Ben and his team at pumped on property are offering free strategy sessions to you guys. So head over on property condo. You forwards our session. If that’s you, if you want to get clear, if you want to start taking action, but you just need a bit of help, then you can book a time over there. So again, that link is on property dot conn dot Ford’s a session and you can read about all the details over there and book a time if you’re interested. But thanks so much for your input on this band. I really liked this long format.

Yeah, I really enjoyed that too man. And I think we covered off a lot today. All of those things. You and I both felt and you know, let’s be, let’s be real life. We all have issues that we need to overcome to get to where we want to be. Otherwise we’d all already be financially independent if we’d already overcome them.

Hey, people listened this far through. Congratulations because it has been over an hour. I’m just looking at the time now. So it looks like it has been over an hour. So these are the real dedicated people who are still listening right now. Is there anything that we want to leave these dedicated fans with people who are. You guys are serious. The people who are still listening, you’re the legit ones. The ones who really want to take action. And so getting excited man, like I would’ve been one of the people listening to the end, like I was on the person that doesn’t just do property because it’s something to get me financially independent audit property because it’s fun man. Like I love this stuff and you know, like you go through waves sometimes it’s easy. Sometimes it’s hard work. Sometimes it’s not happening the way you want.

Sometimes it’s scary as hell, but most of the time it’s just awesome dude, like buying an unrenovated place and cleaning it up is one of my favorite things in life, like finding a piece of land and building a sweet house and making money is so fun. Like finding a really nice house that I don’t even have to think about for the next 10 years and knowing it’s in the right area at the right time or getting like an article on Friday from Tim at the head of research for core logic and just getting him saying exactly what I knew was happening but didn’t have the data to support yet. Yeah. And just going like, you know what I mean, that stuff gets me so excited man. And there’s a reason I suppose it’s pumped on property because as much as we talk about the data, like I get excited as much about seeing other people doing well as saying myself and my family and friends doing well and I think that’s what I want her to be all about. Just helping people get excited and realizing that it doesn’t have to be just a grind. It can be like another little business outside of your work that you know, if you are that 50 percent of doctors that I work with it hide it, will hide it, but make another business while you’re doing it so that you’ve got a reason to be there. You know what I mean? Yeah, and I think people underestimate

how much easier it gets as time goes on. So the first one is really hard and this whole episode was about the first one, but just the skills and the knowledge that you build up and how you start to understand the nuances of buying property in the market and everything that happens and just gets easier as it goes on. But if you never take action, it never gets easier. It always feels daunting, but if you just get into it, even if you stuff up and you buy it something wrong. If you’re like me and your take that failure and just take every drop of learning that you can from it. So the next time around you do way better. Those are the people that were going to say in 15 years that are going to contact us and be like, you guys just inspired me to take the first step and now I’m hanging out with my kids in Noosa or waterfalls or doing whatever it is that they want to do.

That’s what I’m looking forward to in 10, 15 years when people are contacting us saying thank you. It’s so much easier now. I just bought this property and it was hardly any effort because I just knew what to do. You know, the funny thing about this whole thing is now that I’ve bought the properties that I need for 15 years from now to be financially independent, it doesn’t matter if I’m manning $100,000 a year anymore or not because I can go have the lifestyle now. Like I’ve done the accumulation phase, my portfolio is completely balanced. It doesn’t cost me a cent to hold it. Yup. I just have to wait until I can sell a few to pay off others outright. Like man, just move to next year and five years after you’ve gone through this shitty period of buying them. Now you’ve bought it or you could go and get another job somewhere that was more low key maybe or more enjoyable and you can live off that income and your properties will just eventually give you financial freedom in the future.

You don’t have to worry about it. Like I always talk to these people and it’s like once I’m financially independent or make that decision, no. Once you’ve executed the plane to be financially independent in the future, do whatever the hell you want to do. Like you don’t have to wait and I think you and I, we need to do this for a future episode because this is something I made you realize was that financial freedom is not achieved at a single point. Whereas now I’m financially free like it is, but you get there earlier in that you accumulate all the properties you need and if you fast forward seven or 15 years, you can see that your financial freedom is almost guaranteed. You’ve got the properties that you need to set up and so now you can start making different decisions because you’ve already built that asset. It hasn’t come to fruition yet, but it’s going to. If you just leave it there, keep maintaining it. That’s going to happen. So that’ll be one for a future episode anyway. We better go. I know you’ve got stuff to do today. I’ve got an appointment now with my pillow, so I’m going to go have a happy birthday, man. It was a safety catch up with you. Thanks. Alright guys, if you stay this long. Thank you so much and until next time, stay positive. Yeah.


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