How to retire on $3,000 per week - the property playbook

Nov 3, 2025

In this engaging discussion, Ben Kingsley, founder of Empower Wealth and property investment expert, shares insights from his latest book. He explains how to retire with $3,000 a week using a smart mix of superannuation and property investments. He warns against social media trends in property, highlights common mistakes beginners make, and discusses choosing quality investment-grade properties. Ben emphasizes a five-step approach to investing, the importance of mindset, and offers practical strategies like renovation to maximize returns.

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ADVICE

Prioritise Money Management First

Build rules-based money systems and trap surplus into savings before investing.
Use offsets, disciplined cashflow and gradual habit changes to create investing capacity.

INSIGHT

Owner-Occupier Demand Drives Value

Owner-occupier demand drives long-term land value more than investor chasing.
Areas with diverse economic engines or good commute links sustain growth over time.

ANECDOTE

The 'Frankenstein' Portfolio Problem

Ben describes clients with 'Frankenstein' portfolios made from ad-hoc purchases and fads.
He often needs to sell poor assets and realign portfolios to long-term plans.

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In this episode, host Gemma Mitchell is joined by Ben Kingsley, one of Australia’s leading property investment advisers, founder of Empower Wealth, and Chair of the Property Investors Council of Australia (PICA). Ben, along with his long-time business partner Bryce Holdaway, has just released their third book, How to Retire on $3,000 a Week. Together, Ben and Bryce have built a reputation for simplifying property investing for everyday Australians. They’re also the co-authors of best-selling titles Make Money Simple Again and The Armchair Guide to Property Investing. While Bryce couldn’t join us today, Ben shares insights from their latest work and decades of experience helping investors grow wealth through property. Episode Resources - Connect with Ben and Bryce - Buy their book - Buy Gemma’s book “The Money Reset” - Ask a question (select the Finance podcast) Show partner resources - Join Pearler using code “RASK” for $15 of Pearler Credit - Get 50% off your first two months using PocketSmith - View Betashares range of funds

Rask resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you’re confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG)

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