The Winner's Playbook
The Winner's Playbook is a podcast about money, careers, success, and the challenges people face along the way. Hosted by financial advisers Josh and Billy, it breaks down the financial world in a clear, relatable, and enjoyable way. Episodes offer practical advice on growing wealth, making smarter money moves, and leveling up your career. The show avoids jargon and boring lectures, focusing instead on honest conversations about what success means for you. New episodes are released weekly.
Episodes
Why Australians are looking offshore
Send us Fan MailTax havens, private credit and super accessMore Australians are starting to think seriously about tax, residency and where their money is actually being invested.In this episode of The Winner’s Playbook, Josh and Billy unpack tax havens, special visas and why some Australians are looking at countries like Singapore, Dubai, Hong Kong, New Zealand, Italy, Greece and Portugal.They als
Five client scenarios every investor should know
Send us Fan MailProperty, TPD payouts and real client strategySometimes the best way to understand financial advice is through real client scenarios.In this episode of The Winner’s Playbook, Josh and Billy unpack five client situations they have worked through recently, covering property decisions, insurance claims, expat investing, super strategies and building wealth in your 50s.They discuss why
The tax traps business owners need to know
Send us Fan MailBusiness structures, GST traps and Div 7A loansStarting a business is exciting, but getting the structure wrong early can create expensive problems later.In this episode of The Winner’s Playbook, Josh is joined by Adam Jacobson, Accounting Principal at Link Wealth Accounting, to unpack what business owners need to understand when setting up and running through a company, trust or b
Money myths Australians get wrong
Send us Fan MailMoney myths, super and smarter wealth decisionsIs financial advice really too expensive, or is the bigger risk making poor decisions without it?In this episode of The Winner’s Playbook, Billy is joined by Steve Sloane, Founder and Managing Director of Link Wealth, to unpack five common money myths that can affect how people build, protect and structure wealth.They discuss the cost
The hidden death tax within super
Send us Fan MailSuper death tax, TPD payouts and the age pension problemSuperannuation can be one of the most tax-effective ways to build wealth, but many people do not realise there can still be tax waiting inside their super when they pass away.In this episode of The Winner’s Playbook, Josh and Billy unpack the hidden super death tax, how taxable and tax-free components work, and why beneficiary
Why everyday investors deserve access to private markets
Send us Fan MailPrivate markets, business pressure and managing a big lump sumPrivate markets are usually reserved for the wealthiest investors, large super funds and institutions, but should everyday investors have better access?In this episode of The Winner’s Playbook, Billy is joined by Steve Sloane, Founder and Managing Director of Link Wealth, to unpack what private markets actually are and w
Why the Aussie share market is falling behind
Send us Fan MailMarket moves, redundancies and building a personal brandThe Australian share market has lagged behind the US, tech has continued to dominate globally, and investors are being reminded why diversification still matters.In this episode of The Winner’s Playbook, Josh and Billy unpack what has been happening across the Australian and global share markets, including the role of AI, tech
Is property still a good investment after the budget?
Send us Fan MailProperty investing after the BudgetProperty investing is changing, but that does not mean the opportunity has disappeared.In this episode of The Winner’s Playbook, Josh is joined by Kev Tran from KTG Property Advisory to unpack where the property market could be heading after the latest Budget changes.They discuss SMSF property changes, negative gearing, supply and demand, Melbourn
How we would fix Australia’s tax system
Send us Fan MailTrust changes, tax reform and what Australia should fixAustralia’s tax system is changing, and family trusts are now firmly in the spotlight.In this episode of The Winner’s Playbook, Josh and Billy unpack the latest details around the government’s proposed trust changes, what structures may be excluded, and why business owners need to start thinking carefully before making any majo
Investing for Your Kids: What Parents Need to Know
Send us Fan MailInvesting for your kids without getting the structure wrongInvesting for your kids sounds simple, but once you start looking at tax, account structures, ownership and what happens when they turn 18, it can get complicated quickly.In this solo episode of The Winner’s Playbook, Josh breaks down what parents need to understand before investing for a child under the age of 18.He explai
Is it much harder to build wealth today?
Send us Fan MailWho has it harder when building wealth today?Is it harder for younger Australians to build wealth today, or are there more opportunities than ever before?In this episode of The Winner’s Playbook, Josh and Billy unpack the latest changes affecting self-managed super funds, including the government’s move to stop borrowing for residential property inside SMSFs.They also debate one of
Should you move your business offshore?
Send us Fan MailMoving offshore, tax residency and the expat opportunityWith major tax changes being proposed in Australia, more business owners, investors and professionals are asking the same question: should I consider moving offshore?In this episode of The Winner’s Playbook, Josh is joined by Tristan Perry, Managing Director of Tax and Accounting at RP Financial Private, to unpack the realitie
How to scale without losing control of your business
Send us Fan MailBusiness growth, bank debt and making better capital decisionsRunning a business is not just about growth. It is about knowing where to put your capital, when to take on debt, who to back, and how to make decisions that still make sense years from now.In this episode of The Winner’s Playbook, Billy is joined by Steve Sloane, Managing Director of Link Wealth, to talk through the rea
Is early retirement actually overrated?
Send us Fan MailTestamentary trusts, direct shares and the retirement questionTestamentary trusts are back in the spotlight after the government walked back part of its proposed trust tax changes, and it could matter for families thinking about estate planning, asset protection and passing wealth to the next generation.In this episode of The Winner’s Playbook, Josh and Billy break down what a test
Do employee shares create wealth or tax stress
Send us Fan MailSpaceX, employee shares and the Melbourne property questionSpaceX has listed, the share price has already jumped, and thousands of current and former employees have reportedly become millionaires on paper.In this episode of The Winner’s Playbook, Josh and Billy unpack what the SpaceX IPO means, how employee share plans and ESOP-style incentives work, and why having a clear plan aro
What’s really happening in Australia’s property market right now?
Send us Fan MailNegative gearing, rising rates and lazy bank depositsThe property market is shifting, interest rates are back under pressure, and Australia’s big banks are sitting on billions in deposits paying everyday Australians almost nothing.In this episode of The Winner’s Playbook, Josh and Billy unpack how the latest proposed negative gearing changes could affect property investors, first h
This could be the biggest IPO the world has ever seen
Send us Fan MailSpaceX could be heading for one of the biggest IPOs in history, and even if you never buy the shares directly, there’s a good chance you could still end up exposed through your super, ETFs, managed funds or index funds.In this episode of The Winner’s Playbook, Josh and Billy unpack what happens when a private company like SpaceX becomes public, why investors are watching Elon Musk
Most Property Investors Are Buying Blind (and What to Do Instead)
Send us Fan MailProperty investing looks simple... until you factor in cash flow, debt, tax, yield, location, structure, timing and suddenly it’s anything but.In this episode of The Winner’s Playbook, Josh sits down with Joey from Gameplan to break down what smart property investing really looks like in today’s market.They unpack rentvesting, buyer’s agents, apartments vs commercial property, and
The retirement trap nobody talks about
Send us Fan MailWhat makes a good retirement?In this episode of The Winner’s Playbook, Josh and Billy unpack what retirement really looks like beyond the numbers.They break down the four types of retirees, why a big super balance does not always equal a happy retirement, and how work, purpose, relationships, health and lifestyle all play a role.They also discuss why the best retirement plans are f
The 2026 federal budget: What it really means for your money
Send us Fan MailThink the Federal Budget won’t affect you? This one might be worth paying attention to.In this episode of The Winner's Playbook, Josh and Billy break down the biggest proposed changes from the latest Federal Budget, including negative gearing, capital gains tax, trusts and bucket companies. They explain what could change, who may be impacted, and why property investors, busine
Rates, Inflation & Tax Changes: What Could Hit Your Plan
Send us Fan MailAre interest rates about to bite again?In this episode of The Winner’s Playbook, Josh and Billy record from the new podcast studio for the first time and unpack some big money topics facing Australians right now.They discuss inflation, the possibility of higher interest rates, what rising rates could mean for mortgages, bonds and cash, plus why investors may need to think carefully
What it really means to be financially ready for retirement
Send us Fan MailHow much is enough to retire and why the answer is never simple.What if the real challenge isn’t how much you have, but how you define “enough”?In this episode of The Winner’s Playbook, Josh and Billy unpack one of the biggest questions in personal finance: how much you actually need for retirement. They explain why there’s no universal number, and how your lifestyle, goals, and sp
Money mistakes that can set you back in your 40s
Send us Fan MailYour 40s are where money either starts working for you… or you start working harder just to stay afloat.In this episode of The Winner’s Playbook, Josh and Billy break down the realities of this stage of life, where peak earning years meet peak expenses, from mortgages and family pressure to career demands and retirement planning. They discuss the most common mistakes, including inv
Stop chasing trends, start controlling your strategy!
Send us Fan MailIn this episode of The Winner’s Playbook, Josh and Billy break down what’s really happening in global markets, from interest rates and inflation to oil, AI, Bitcoin, gold, and tech stocks. They explain why short-term market moves are unpredictable and why trying to time them can cost investors.They also explore how higher rates impact households and businesses differently, why oil
Is now a good time to buy property in 2026?
Send us Fan MailWhat’s really happening in the 2026 property market, and should you buy now? In this episode of The Winner’s Playbook, Billy is joined by buyer’s agent Kev Tran to unpack what’s really happening, from rising interest rates and borrowing power cuts to inflation, construction costs, and policy conversations around capital gains tax and negative gearing.They explain why the market isn
Trusts explained: how the wealthy legally pay less tax
Send us Fan MailWhat is a trust… and do you actually need one?In this episode of The Winner's Playbook, Billy sits down with Adam from Link Wealth Accounting to break down trusts in plain English. They cover what a trust actually is, how it works, and why people use them beyond just “saving tax.”The conversation dives into how trusts can create tax flexibility, protect assets, and help with l
The biggest mistake people make after a pay rise
Send us Fan MailGetting a pay rise should feel like a win, but for a lot of people, the extra money disappears faster than expected.In this episode of The Winner's Playbook, Josh and Billy break down how to actually make a pay rise count. They talk about lifestyle creep, tax, super top-ups, debt reduction, company share schemes, and the small decisions that can have a big impact on your long-
The retirement move most people don’t know about
Send us Fan MailThinking about slowing down… but not ready to fully retire?In this episode of The Winner's Playbook, Josh and Billy break down how a Transition to Retirement strategy actually works. From age 60, you can start accessing your super while still working, which can help you cut back your hours without cutting back your lifestyle.They talk through real examples, how to replace lost
How your business cash could be losing value
Send us Fan MailBusiness owners often sit on big cash balances because it feels safe, but over time inflation quietly does the damage. In this episode of The Winner’s Playbook, Josh and Billy unpack how to think about cash properly, how much the business actually needs as a buffer, and what to do with the rest so it is working towards your long-term goals instead of sitting there as lazy capital.
The silent killer of family business success
Send us Fan MailThinking of selling your business? Start hereWhat actually makes a business sellable? In this episode of The Winner’s Playbook, Billy sits down with business mentor Baz Gardner to unpack the real reasons businesses sell (or don’t). They go beyond the surface-level advice and dive deep into the psychology of letting go, why so many owners sabotage their exit, and what buyers are act
Getting insurance right: protection that actually pays
Send us Fan MailInsurance isn't exciting. But losing everything is.In this episode, Josh and Billy keep it real about personal insurance and why it’s one of the most important (and misunderstood) parts of your financial plan. They unpack the different types of cover including life, TPD, trauma and income protection, and explain what they actually do, who needs them, and how much is enough. Th
Planning your kids’ school costs the smart way
Send us Fan MailThinking about private school? This one’s for you.In this episode of The Winner’s Playbook, Josh and Billy break down the real cost of education and how to plan for it. From $100k Catholic schools to $400k+ elite private education, they explain how school fees can blow out fast and why most families don’t realise just how much they’ll spend over 13 years. They share personal storie
How Aussies can claim the UK state pension
Send us Fan MailHave you lived or worked in the UK? You could be entitled to thousands in extra pension payments for life.In this episode of The Winner’s Playbook, Josh and Billy unpack the UK state pension and why it matters for Australians who have spent time working in the UK, even decades ago. They explain how the system works, how it compares to Australia’s age pension, and what the upcoming
How should you structure your business & investments for 2026?
Send us Fan Mail Thinking about growing your wealth smarter and faster this year? In this episode of The Winner's Playbook, Josh and Billy break down how different tax structures can either boost or drag on your wealth. From sole traders and companies to family trusts, superannuation, and investment bonds, they walk through how each structure works, when it makes sense to use them, and how bu
2026 Is the Year Your Money Habits Finally Change!
Send us Fan MailMost people have good money intentions, but few turn them into habits that last. In this episode of The Winner’s Playbook, Josh and Billy break down simple financial systems you can actually stick to.They cover a practical yearly money calendar, a savings rule you won’t quit, and an investment routine that runs quietly in the background. Plus, they discuss why comparing your financ
Why DroneShield crashed and how to protect yourself from the same mistakes!
Send us Fan MailWhy betting big on a single stock can backfireWhen a single stock skyrockets, it’s easy to get caught up in the hype. But what happens when it all comes crashing down? In this episode of The Winner’s Playbook, Josh and Steve break down the recent drama surrounding DroneShield, a company that surged from cents to dollars before plummeting to just a share. They unpack what really hap
Confused About Aged Care? Listen Up
Send us Fan MailAged care isn’t something most people want to think about, but when the time comes, families are often caught off guard. In this episode of The Winner’s Playbook, Billy is joined by Daniel McCarthy from Sky Advisors in Tasmania to unpack the real costs of aged care, how Centrelink actually works, and the decisions families need to make when a parent or loved one can no longer live
Stop parking cash in the wrong place, start earning more without extra risk!
Send us Fan MailCash isn’t just for emergencies: How to make your money work harderGot cash sitting in your account doing nothing? In this episode of The Winner’s Playbook, Josh and Billy break down how to make your money work harder without taking unnecessary risks. They unpack how to structure your cash across offset accounts, high interest savers, term deposits, and even low-risk cash alternati
How Aussies are using debt to build wealth (without going broke)
Send us Fan MailGearing: how to use debt to grow your wealth (without blowing it all up)Gearing sounds risky, but done right, it can fast-track your path to wealth. In this episode of The Winner’s Playbook, Josh and Billy break down exactly what gearing is, how it works with both property and shares, and why some strategies amplify your upside while others come with serious traps. They cover key c
Are you paying too much for insurance? Here’s how to fix it
Send us Fan MailCutting insurance costs without cutting cornersHome, car, health, life, trauma, income protection... insurance is one of those things you need but hate paying for. And with premiums on the rise, a lot of people are asking, "How can I cut the cost without leaving myself exposed?"In this episode of The Winner’s Playbook, Josh and Billy break down the smart way to review you
Moving back to Australia? Don’t fall for these expat financial traps
Send us Fan MailComing home? What returning expats need to know about tax, super and moneyIf you’re an Aussie moving back after a stint overseas, this episode is your essential money checklist. Josh and Billy dive into what you need to know before and after you return, including tax residency rules, superannuation strategies, insurance cover, investing, estate planning and what to do with foreign
What do the new Super changes mean for you?
Send us Fan MailConfused about what the new super tax changes really mean?In this episode of The Winner’s Playbook, Josh and Billy unpack the latest changes to the controversial Division 296 tax and what they mean for Australians with large superannuation balances. They explain how the policy has shifted, including the scrapping of the tax on unrealised gains, and what the new $3 million and $10 m
The Truth About Investing in Gold (What Most People Miss)
Send us Fan MailGold just hit record highs… but is it too late to buy?The price of gold just smashed through an all-time high, and suddenly everyone wants in. But is this a smart move or classic FOMO?In this episode of The Winner’s Playbook, Billy and Steve break down why gold has surged, whether the hype is justified, and what Aussie investors need to consider before jumping in. They unpack why c
What every Aussie should know before moving to Singapore
Send us Fan MailMoving to Singapore? What Aussies need to know about tax, residency and expat lifeThinking about making the move to Singapore? Whether it is for a career opportunity, lifestyle change, or lower taxes, there is a lot more to it than just hopping on a flight.In this episode of The Winner’s Playbook, Josh is joined by Tristan Perry, Managing Director of Tax and Accounting at RP Financ
This is how scammers know exactly how to hook us
Send us Fan Mail𝗪𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗳𝗮𝗹𝗹 𝗳𝗼𝗿 𝗮 𝘀𝗰𝗮𝗺? 𝗛𝗲𝗿𝗲’𝘀 𝗵𝗼𝘄 𝘁𝗼 𝘀𝗽𝗼𝘁 𝗼𝗻𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝗶𝘁’𝘀 𝘁𝗼𝗼 𝗹𝗮𝘁𝗲! Scams and hacks are getting more sophisticated every day. From phishing texts and deepfake video calls to fake investment platforms and remote access attacks, it’s getting harder to tell what’s real and what’s a trap.In this episode of The Winner’s Playbook, Josh and Billy break down the scams they’ve seen firs
Sold a car, got a bonus, or an inheritance? Here’s the smart play.
Send us Fan MailSold a car? Got a bonus? Received an inheritance? A sudden lump sum can be a massive opportunity, but if you don’t have a clear plan, it’s easy to waste it or make the wrong moves.In this episode, Josh and Billy break down what to do when a big chunk of money lands in your lap. They talk through how to set priorities, avoid emotional decisions, and structure your money in a way tha
The ETF cheat sheet that makes investing simple
Send us Fan MailETFs made simple: how to build a strong investing foundationETFs have become one of the easiest and most effective ways to start investing, but with thousands to choose from, it can get overwhelming fast. In this episode of The Winner’s Playbook, Josh and Billy strip it right back and talk about how to keep investing simple using ETFs and index funds.They cover what ETFs actually a
The US advice model vs Australia: here’s what we do better
Send us Fan MailThe US insider takeaways every Aussie investor should knowBilly’s just back from a whirlwind trip through Harvard, MIT, New York and LA, meeting with some of the biggest fund managers in the world. In this episode, Josh and Billy unpack what he learned and what it means for Australian investors.They dive into the rise of private assets like private equity, credit and infrastructure
Ever wondered what a financial adviser actually does?
Send us Fan MailWhat a good financial adviser should actually help you withThere’s a lot more to financial advice than just picking a few shares or tweaking your super. In this episode of The Winner’s Playbook, Josh breaks down the eight core areas every solid financial plan should cover, no matter where you're at in life.He walks through what real holistic advice looks like, starting with yo
Can you really buy a $1.5M home with 5% deposit?
Send us Fan MailNew first home buyer rules are here. What you need to knowMassive changes are coming for first home buyers, and they’re hitting sooner than expected. In this episode of The Winner’s Playbook, Josh and Billy break down exactly what’s changing from October 1, who qualifies, how much you can borrow, and the fine print you don’t want to overlook.They unpack the real impact of no income
Is rentvesting the new Australian dream?
Send us Fan MailWhy rentvesting is the strategy more buyers are choosing nowCan’t afford to buy where you want to live? You’re not alone. With property prices climbing fast in major cities, more Australians are turning to rentvesting, a strategy that lets you live where you love and still get on the property ladder.In this episode of The Winner’s Playbook, Billy and Carlo from Link Wealth Finance
Why your tax refund isn’t free money (and how to actually use it)
Send us Fan MailTax time rolls around, the refund hits your account… and for most people, it’s gone just as fast. In this episode of The Winner’s Playbook, Josh and Billy unpack why so many Aussies waste their tax refund and what smarter, more strategic moves you can make instead.They explain how the tax system really works, why that “bonus” isn’t a gift from the ATO, and how to shift your mindset
No trust fund, no problem: how to start from scratch
Send us Fan MailYou don’t need a head start: how to build wealth from scratchThink you need rich parents to get ahead financially? Think again. In this episode of The Winner’s Playbook, Josh and Billy dive into what it really takes to build wealth when you’re starting from zero. No trust fund. No family handouts. Just hustle, clarity and the right mindset.They open up about the hidden advantages o
Why strict budgets don’t work (and what to try instead)
Send us Fan MailWhy most budgets fail and what to do insteadBudgets are one of the most common financial tools out there, but let’s be honest, most people can’t stick to them. In this episode of The Winner’s Playbook, Josh and Billy break down why traditional budgeting often fails and share practical, realistic alternatives that actually work in real life.They cover:The real reasons people give up
Wills, inheritance & tough talks: getting real about family money
Send us Fan MailTalking to your parents about money, wills & what comes nextIn this episode of The Winner’s Playbook, Josh is joined by Carlo, a Senior Mortgage Brokers from Link Wealth Finance, for a conversation that many avoid but absolutely need to have: how to talk to your parents about money, wills, aged care and estate planning.It’s not about being morbid. It’s about making sure your fa
Moving to Australia? Don’t make these financial mistakes
Send us Fan MailIf you're in Australia on a visa, you might be wondering what you can and can't do with your money. The rules can feel like a minefield, but there are smart ways to make progress if you know how to play it.In this episode, Billy sits down with financial adviser Fei Kong to unpack what non-residents need to know about investing, saving and building a future in Australia. T
Is leaving a secure job worth the risk?
Send us Fan MailThinking about changing careers but worried about the money side of it?In this episode, Josh and Billy break down how to make a career change without blowing up your finances. They cover what to expect if you’re taking a pay cut, how to prepare for it, and the smart moves you can make to stay afloat while starting over.They share personal stories, practical tips on budgeting, buffe
Is there a death tax in Australia? The truth about super and tax
Send us Fan MailNo one likes thinking about what happens when they die, but sorting it out now can save your family a world of stress later.In this episode, Josh and Billy break down everything you need to know about estate planning. They cover wills, superannuation, life insurance, and the tax traps most people don’t even know exist. You’ll learn how super, and insurance payouts actually work, wh
Money in relationships: together or separate?
Send us Fan MailCombining finances with your partner can be a game-changer or a total mess if you’re not on the same page.In this episode, Billy and Steve break down the real-world pros and cons of combining money in a relationship. They talk through common setups couples use (from full joint accounts to hybrid models), why shared goals matter and the red flags to watch for in each other’s money h
Think Your Super’s Safe From This New Tax? Think Again.
Send us Fan MailWith Division 296 set to kick in from July, Aussies with over $3 million in super could be hit with a new tax, and for some, that bill could run into the millions.In this episode of The Winner’s Playbook, Josh and Billy break down how Division 296 works, who it affects, and why it’s causing such a stir. They unpack the real-life case of a self-managed super fund holding over $1.7 b
How to find a great financial adviser (and spot the red flags).
Send us Fan MailFinding the right financial adviser can change your whole life. Pick the wrong one, and it can cost you time, money and trust.In this episode, Josh and Billy lift the lid on what really makes a great adviser. They share what to look for, what to avoid and how to spot red flags early, especially when it comes to product pushers, dodgy social media “finfluencers” and anyone flogging
Is This The Most Overlooked Way to Build Real Wealth?
Send us Fan MailWhat makes a great investment property? It's not just the postcode or the price tag.In this episode, Billy sits down with buyer's agent Kev Tran to unpack what smart property investing actually looks like. Kev shares his approach to choosing the right locations, avoiding the common traps, and why data always beats hype.They cover everything from off-the-plan risks and buy
The #1 Reason You’re Not Growing (It’s Not What You Think)
Send us Fan MailMindset isn’t just a buzzword. It’s the foundation for how you show up in life and business.In this episode of The Winner’s Playbook, Josh sits down with Baz Gardiner, a business mentor with over 65,000 hours of deep conversations under his belt. Baz shares the patterns he’s seen across countless business owners and high performers, and why your mindset, self-worth and sense of pur
Retirement Planning: Maximise Your Age Pension & Centrelink Benefits
Send us Fan MailRetirement might feel like the finish line, but there’s a lot to figure out before you get there.In this episode, Josh and Billy take a deep dive into what really matters in the lead-up to retirement. From how much you actually need, to where your income will come from and how Centrelink fits into the picture, this one covers all the essentials.They unpack common myths (like relyin
Is It Ever Too Late to Start Building Wealth?
Send us Fan MailThink you’ve left it too late to turn things around financially? Think again.In this episode, Josh and Billy bust the myth that you need to have it all figured out by your 30s. They break down why it's never too late to get back on track, and how to build a future you’re excited about—no matter your age or starting point.They share stories from real clients who made big change
The Election’s Over: What the Results Mean for Your Money
Send us Fan MailThe election’s over, but what does that mean for your wallet? In this episode and Billy sit down with Belinda from Tax Invest Accounting. She’s been in the game for over 20 years and knows exactly how to break it down. They talk through how the results could impact your finances no political spin, just a straight-up chat about what everyday Aussies should be thinking about now, fro
The Smartest Money Moves for Every Stage of Life
Send us Fan MailMost people know they should be doing something with their money but what that “something” is can change a lot depending on where you’re at in life. In this episode, Josh and Billy break it all down by life stage, from your twenties through to your forties and beyond.In this episode, they cover the money moves that matter most at each stage, the common traps people fall into, and h
Sole Trader, Company, or Trust? Here’s What Most Business Owners Get Wrong!
Send us Fan MailChoosing the right tax structure for your business might not sound exciting, but it’s one of the most important decisions you’ll make and one that way too many people get wrong. In this episode, Josh and Richard break down the different types of business structures in Australia sole trader, company, trust and explain how each one affects things like tax, asset protection and your a
The New Rules of Retirement (And Why You Need a Plan B)
Send us Fan MailFor decades, retirement meant working hard until 65, then clocking off for good. But is that model still working?In this episode, Josh and Billy unpack the big shift in how we think about retirement. From the rise of FIRE (Financial Independence, Retire Early) to part-time work, passion projects and semi-retirement, they explore what modern retirement really looks like, and how to
Massive Tariffs, Market Chaos & What It Means for Your Money.
Send us Fan MailThe markets just got rocked and it’s all thanks to a bombshell announcement from Donald Trump. In this episode, Josh and Billy unpack what’s behind the sudden crash and why a new wave of tariffs has everyone from Wall Street to Aussie investors on edge.They break down what these tariffs actually are, why they spooked the market so badly, and how different industries, like tech and
Stuck with Cash? What to Do in a High-Interest Economy
Send us Fan MailInterest rates have shot up in recent history and it’s left a lot of people wondering, what should I actually be doing with my money right now?In this episode, Josh and Steve break down how a higher interest rate environment is changing the game when it comes to saving, investing and even borrowing. They chat through what this means for things like your mortgage, super, shares, a
Raising Kids Is Expensive, Here’s How to Plan for It!
Send us Fan MailKids are amazing, but they’re not cheap. And if you’re a parent (or planning to be one), it helps to know what you’re really signing up for financially.In this episode, Josh and Billy dig into the true cost of raising kids in 2025. From nappies and daycare to school fees and weekend sports, they break down the expenses that can sneak up on you and how to plan ahead.They also share
How Lifestyle Creep Eats Your Paycheck (And How to Stop It)!
Send us Fan MailMaking more money should mean getting ahead, right? Not always. A bigger paycheck often leads to bigger spending - sometimes without even realising it. That’s lifestyle creep and it can quietly drain your finances if you’re not paying attention.In this episode, Josh and Billy break down why lifestyle creep happens, how to spot it and what you can do to keep your income from disap
Interest Rates Dropped, Here’s What It Means for You!
Send us Fan MailInterest rates have dropped, but what does that actually mean for your mortgage, investments and financial future?In this episode, Billy sits down with Eddie from Link Wealth Finance and The Brokers Lounge podcast to break it all down. They dive into how lower rates affect borrowing power, whether now is the right time to buy and when refinancing makes sense. Plus, they share c
How To Build Generational Wealth in 2025!
Send us Fan MailIf you’re the first in your family to build wealth, invest, or break free from financial struggles, you're forging a brand-new path - and that journey comes with its own challenges. Without the guidance of family experience or generational wealth, where do you begin?In this episode, Josh and Billy will explore the unique obstacles first-generation investors face, the most comm
The Hidden Costs of Homeownership - What No One Tells You!
Send us Fan MailBuying a home is a big milestone, but many first-time homeowners quickly realise there’s a lot more to it than just paying the mortgage. In this episode, Josh, and Billy dive into the hidden costs that can catch you off guard, like maintenance, insurance, council rates and unexpected repairs. They share personal experiences, including some expensive surprises and lessons learned
How Trump’s Tariffs Could Hit Your Wallet in 2025
Send us Fan MailTrump’s tariffs are back and they could hit your wallet in ways you might not expect. Prices on everything from cars to coffee could rise, supply chains could get messy and Australia’s economy might feel the ripple effects.In this episode, Josh and Billy break down what these tariffs mean for you, your investments, and even the price of everyday goods. They’ll unpack why Australia
Inside the Mind of a Financial Adviser - Meet Billy
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