Welcome back to The Hill I’ll Die On, our Friday mini-series where members of the Property Couch crew share bold property and money opinions they’re willing to stand behind.

This week, tax expert Danish joins Ben Kingsley with a clear message:

Don’t DIY your tax return.

Especially when it comes to capital gains tax.

Dinesh explains how many property investors miss key deductions, overlook important costs, and end up paying more tax than they need to.

From stamp duty to holding costs, he breaks down what’s commonly missed — and why having a professional review your position can make a significant difference.

In fact, in one recent case, a client saved over $10,000 simply by having their tax properly reviewed.

If you’ve had a capital gains event in the last couple of years, this is an episode worth listening to.

Got a question or a “hill” you want us to unpack? Send it through here 👉 https://thepropertycouch.com.au/topics/

⏱️ TIMESTAMPS

00:32 – Meet Danish: Property Tax Specialist
01:27 – The Hill: Don’t DIY Your Tax Return
02:23 – Why Capital Gains Tax Gets Missed
03:30 – Real Example: Missed Deductions
05:03 – 99% of People Miss This
05:30 – $10,500 Tax Saving Case Study
06:34 – Why DIY Tax Is Risky
07:02 – Holding Costs Explained
07:29 – Why Record Keeping Matters
08:23 – Hidden Costs You Can Claim
09:33 – Final Advice: Get It Vetted

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

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What happens when you pay a property deposit in cash… then reimburse yourself from borrowed funds later? 💸

Are buyer’s agent fees tax-deductible? 🧾

Can you still claim deductions on a holiday home if you use it during peak season? 🏡

And just how far can you trust AI when it comes to tax advice? 🤖

In this week’s jam-packed episode, Ben is joined by Julia Hartman, an old friend of the couch and Property Tax Guru, and Danish Ahmed, Empower Wealth’s Senior Tax Advisor. Julia is also the Founder of BAN TACs, a co-operative of Accountants that has been helping thousands of Australians navigate the world of tax since 1992.

Together, they unpack some of the most common (and costly) tax mistakes property investors make, from understanding debt purpose vs debt security to the hidden risks of using the wrong funds for a deposit.

FREE STUFF MENTIONED

• ATO Holiday Home Rules 🏡
  Find out more about the ATO’s proposed changes to holiday home tax treatment or read the official draft ruling here
• Julia Hartman’s Tax Insights ✍️
  Dive deeper into property tax strategies and common pitfalls via Julia’s latest blog posts
• Moorr Platform + MyKNOWLEDGE Hub 📊
  Download the app today and explore expert tax resources, including Julia Hartman’s insights, inside Moorr’s MyKNOWLEDGE
• Empower Wealth Tax Services 🧾
  Get personalised advice on structuring, deductions and tax strategy 👉 https://thepropertycouch.com.au/tax
• Listen to the full catalogue of Julia Hartman’s episodes!

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube

If you’ve ever built a budget, felt good about it… and then completely ignored it a week later — you’re not alone.

The truth is that most budgets don’t fail because the numbers are wrong. They fail because they rely on perfect behaviour in imperfect moments.

For the original episode, tune in here: Episode 337 | The 4 Pillars of Money Health.

LISTEN TO THE FIRST 20 EPISODES HERE >>

MOORR MONEY MANAGEMENT APP:
👉 Apple: https://apple.co/3ioICGW
👉 Google Play: https://bit.ly/3OT86bW
👉 Web platform: https://www.moorr.com.au/

FREE MASTERCLASS:
- How to Build a Property Portfolio and Retire on $2,000 a week >>

FREE BEST-SELLING BOOKS:
- The Armchair Guide to Property Investing
- Make Money Simple Again

FIND US HERE:
- Website
- Instagram
- Facebook
- Youtube