The Property Couch Chapter 13: Landing the Plane (The Audiobook)
Feb 11, 2026
They discuss the shift from building wealth to protecting it and the mindset change that requires. They cover how rapid rate rises expose portfolio fragility and why buffers and conservative leverage matter. Three retirement paths are explained: borrow against assets, pay off debt, or sell properties. Practical nudges encourage picking a plan, tracking milestones, and preparing for a stable retirement.
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Act Decisively During Accumulation
- Take calculated risks and act decisively during the accumulation phase to create momentum.
- Avoid fads and keep a clear roadmap to ensure growth is sustainable, not speculative.
Defense Is Key In Retirement
- Staying wealthy is a defensive game focused on protecting gains and avoiding catastrophic loss.
- This means prioritising buffers, reducing leverage and preparing for uncertainty.
Low-Rate Buying Backfire
- Many investors who bought during record-low rates struggled when rates rose 13 times between May 2022 and 2023.
- Without buffers or risk mitigation, they were forced to sell under pressure and risk their wealth base.
