Aggressive borrowing and negative equity risks

Welcome to Episode 2 of “The Money Stuff We Don’t Talk About”, our Friday mini-series inside The Property Couch. 

Each week, one member of the Couch Crew shares a bold money stance and unpacks the financial truths most investors don’t talk about. 

This week, Polly Chu shares the hill she’ll die on: 

💵 Cash is king. 

Having experienced the GFC early in her career, navigated investment banking during volatile markets, and built her own portfolio, Polly understands what happens when liquidity disappears. 

Her rule of thumb? Three to six months of cash buffer. Minimum. 

Because when markets turn, cash buys you time. And time protects you from making forced decisions at the worst possible moment. 

New episode every Friday. 

Psst. Check out Ep 1 with Ben T on the most transparent way to buy property

Timestamps  

• 0:00 – Intro
• 1:00 – From KPMG to Investment Banking to Property 
• 2:30 – The Hill: Cash Is King 
• 3:40 – GFC Lessons & Employment Uncertainty 
• 5:10 – When Investors Get Too Aggressive 
• 6:45 – COVID, Easy Credit & Portfolio Unwinding 
• 8:05 – The 3–6 Month Buffer Rule 
• 9:20 – Real Life Costs: Roof Repairs & Insurance 

LISTEN TO THE FIRST 20 EPISODES HERE >>

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