How to Retire on $3K a Week | Beyond the Pages
What would life look like if your money worked harder than you did?
If your days were designed by choice, not obligation. No alarm clocks, no anxious bank checks, just financial peace on tap.
That is the vision behind this series.
Welcome to the How to Retire on $3,000 a Week Podcast: the behind-the-scenes companion to our new book, where Ben Kingsley and Bryce Holdaway unpack each chapter in plain English, sharing the stories, frameworks and real-life examples that go beyond the pages of the book.
It’s not get-rich-quick nonsense.
It’s not Insta-finance hype.
It’s a mini-series that gives you the raw commentary, extra context and practical takeaways to apply to your life, one bite-sized episode at a time.
Let’s get you on your way to financial peace. Start listening now!
ABOUT THE AUTHORS
Bryce Holdaway and Ben Kingsley are two of Australia’s leading voices in property, finance, and money management.
Together, they co-host the chart-topping podcast The Property Couch, where they’ve helped millions of Australians cut through the noise and build wealth the right way: without the hype, stress or spruiker traps.
Grab your hard copy of How to Retire on $3,000 a Week: The Property Couch’s Playbook for Passive Property Investing, available at all leading retailers or visit howtoretireon3k.com.au to learn more.
How to Retire on $3K a Week | Beyond the Pages
Chapter 7: Borrowing Power
Use Left/Right to seek, Home/End to jump to start or end. Hold shift to jump forward or backward.
If Chapter 6 explained what to buy, Chapter 7 explains what you can actually afford to buy...
And why most Australians misunderstand borrowing power completely.
As the official podcast companion to How to Retire on $3K a Week, this episode goes deeper into the thinking, context and real-life examples behind the book’s Borrowing Power chapter.
Inside, Bryce and Ben unpack:
💳 What borrowing power really means (hint: it’s not your income)
📉 Why your borrowing power rises and falls depending on RBA movements
🏦 How lenders actually assess you and why every bank is different
🧮 Why your borrowing capacity and your purchase capacity are NOT the same thing
🎯 How to safely align your borrowing power with your long-term investment plan
📌 The Five Finance Rules and how they protect you from overstretching
Plus: Bryce shares a story about the first time he realised borrowing power isn’t about maximising debt; it’s about maximising safety and strategy.
If you’ve ever felt confused, frustrated or blindsided by what the bank says you can borrow… this chapter will make the whole system finally click.
P.S. Want the full wealth framework in one place? Grab your copy of How to Retire on $3K a Week now! 👉 howtoretireon3k.com.au