The Follio Property Podcast

If You Don’t Have a Plan for 2026, You've Already Lost (Warning)

Jan 20, 2026
They strip away market hype to focus on strategy and why a 2026 plan matters. A wake-up flight reveals alarming debt-to-income and cash buffer risks. They explain the 2-degree rule showing how small drift wrecks long-term goals. Practical topics include which assets to divest, why strata and older units sell poorly, and steps to improve rents and de-risk your portfolio.
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INSIGHT

Plan Or Drift Far Off Course

  • Without a clear plan you're "investing in the dark" and risk drifting far from goals.
  • Small course errors compound over years and can leave you "countries apart" from objectives.
ANECDOTE

Flight-Led Financial Wake-Up

  • Lachlan used a 12-hour flight to do a full numbers review and discovered his debt-to-income ratio had crept to 8–9x.
  • That shock prompted a shift from aggressive accumulation toward debt reduction in 2026.
ADVICE

Choose Strategy By Life Stage

  • Do a portfolio health-check to decide whether to reduce debt, accumulate, upgrade, or chase cash flow.
  • Choose a strategy that matches your life stage and update it as circumstances change.
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