The Numbers Game

Every parent wants to give their kid a head start, but most don't realise one of the best ways to do it is inside superannuation. Today we're looking at a strategy that turns small yearly contributions into hundreds of thousands for your child by the time they retire, using rules the government has quietly left on the table. On this episode, we discuss: (00:00) Intro (00:47) Two Super Strategies Most Aussies Don't Use (01:55) Helping Your Kids Get a Leg Up via Super (02:47) The Government's Super Co-Contribution Scheme (04:02) $1,000 a Year Into Your Kid's Super (05:23) The Balance After 5 Years in Super (06:13) The Balance After 10 Years in Super (07:32) Turning $23,675 Into $354,000 for Your Kid (08:16) The $193K Cost of Starting Late (09:40) Pulling Super Out for a First Home (12:58) Moving a Lump Sum Into Super (13:57) Concessional vs Non-Concessional Contributions (16:54) How the Bring Forward Rule Works (18:00) $520K Into Super in Six Weeks (18:47) The $1.6 Million Couple With Downsizer Option (21:34) Why Super Beats a Personal Share Portfolio Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Every pay rise feels smaller than it should. That's because when your income goes up but the tax brackets don't move, you quietly pay more tax at higher rates. It's called bracket creep, and it's why your pay never quite catches up. Today we run through what your pay rise is really worth after tax, and the one change every other developed country makes that Australia doesn't. On this episode, we discuss: (00:00) Intro (00:49) The Viral Max Harris Bracket Creep Clip (02:24) Why Australia Won't Index Its Tax Brackets (03:14) How the Government Profits From Bracket Creep (04:30) The Minimum Wage Win Chalmers Is Selling (05:51) Why Wages Aren't Keeping Up With Prices (06:49) The $3,100 a Year You're Falling Behind (07:59) What a Pay Rise Really Leaves You (09:29) What a $190K Earner Really Loses (11:11) A $190K Family Living Week to Week (13:29) Why the Government Is Your Biggest Expense (15:34) Personal Tax Hits 54% of Revenue (16:47) The Fix: Lower Income Tax, Higher GST (17:26) The Payroll Tax Killing Small Business Hiring (18:12) Why We Need to Index Tax Brackets (21:03) Why Young Australians Get Hit Hardest Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The doom and gloom online is loud, but what never changes is young people wanting to get ahead. Today we're looking back on the choices we made in our 20s to see what we would do differently now. On this episode, we discuss: (00:00) Intro (01:00) What We'd Change at 25 Again (01:43) The One Property Choice Nick Would Undo (04:54) Why We Wasted Every Paycheck at 15 (06:23) How Jase Lost on Hills Hoist Shares (07:41) How $50 a Week Becomes $294K (10:10) Why Nick Started His Business at 25 (13:05) Failing at 27 Costs Less Than 45 (13:28) Your Network Is Your Net Worth (14:38) Why Every 25-Year-Old Needs a Mentor (16:44) Why We'd Skip Extra Super at 25 (18:01) When First Home Super Saver Works (19:04) Why We Wouldn't Rush HECS (21:20) The Second Job Tax Myth Explained (24:23) Why Insurance at 25 Costs 3x Less Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

1.3 million Aussie small businesses are owned by baby boomers, and in the next few years we’ll see the biggest handover of small business ownership in a generation. For anyone thinking of starting one, today's ep looks at what it means to buy an existing business rather than build from scratch. On this episode, we discuss: (00:00) Intro (00:24) 1.3 Million Aussie Businesses Owned by Boomers (00:52) Why Boomers Haven't Planned Their Exit (01:51) Why Buying an Existing Business Wins (03:23) Why an Accountant Would Buy in 2026 (04:42) A Hairdressing Supplier Buys a Salon (05:47) How to Build a Sellable Business Asset (06:58) Why Banks Won't Fund Business Buyers (07:45) How the US Funds Business Buyers (10:18) How Government-Backed Loans Would Pay Off (13:06) $31 Billion Sent to US Business Buyers (14:45) Buying the Business You Already Work In (18:32) Why Business Sellers Take Less Than Expected Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Nothing on the news feels like good news. Wages under pressure, taxes up, housing broken. But there's another story if you go looking for it. Today we lay out the bullish case for Australia in 2026: why we're still the third-richest country per household, and the business, property and tech plays going for anyone paying attention. On this episode, we discuss: (00:00) Intro (01:20) Voice Note From the Former Co-Host (04:23) Boomer Businesses Ripe for a Takeover (07:07) Tax Workarounds for Business Owners in 2026 (08:19) Third-Richest Country Per Household (10:33) Why the $4.4 Trillion Super Pool Matters (12:39) Why Homeownership Still Wins in Australia (14:34) Renters Buying With 10% of the Deposit (15:47) Why 147,000 New Jobs Beat the Headlines (19:10) Why We Won't See a Housing Crash (21:29) Buying Property Without Negative Gearing (23:47) $15,000 Per Aussie From Mining Exports Alone (27:40) Why Big Tech Is Building Data Centres In Australia Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is there a case to ditch super in Australia? A clip doing the rounds by Senator Gerard Rennick says yes, and it turns out the argument is stronger than most people would think. Nick walks through why it stacks up on paper but breaks down in reality, from the fund returns and tax breaks people would give up, to what actually happens to money the second it lands in their pocket. On this episode, we discuss: (00:00) Intro (02:56) The Full 'Scrap Super' Clip Played (05:48) Why 40% Retire With a Mortgage (06:50) The $80K Earner's Super Squeeze (08:12) Why Most People Wouldn't Save the Money (10:57) What Small Business Debt Says About Habits (13:29) Why More Retirees Now Live Off Super (15:36) What KiwiSaver Shows About Voluntary Super (18:43) How Much Super Funds Actually Return (20:07) Why Super Taxes You Less Than Investing (21:24) Why the Wealthy Top Up Their Super (22:27) How One Couple Saved $90K in Tax (23:18) What Would Change if Super Went Voluntary (27:13) Why Super Should Stay Compulsory Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Pokemon cards are being treated as a serious investment by some Aussies right now, with collectors sitting on multi-million dollar portfolios. But do the numbers actually stack up as a solid investment? Jase has run the comparison of investing $10k in a vintage Pokemon collection against the ASX, gold and Bitcoin over the last 25 years. On this episode, we discuss: (00:00) Intro (02:26) A Living Room Full Of Pokemon Cards (04:24) $10K In Pokemon Vs Gold And ASX (05:31) From $10K To $2.5 Million In Pokemon (06:56) The 10,000% Charizard Card Return (08:10) When COVID Sparked The Pokemon Hype (09:25) Bitcoin's 800% Return Since 2020 (11:11) The 9.7 Billion Card Print Problem (13:39) When $10K In Modern Pokemon Becomes $3K (15:23) Logan Paul's $16.5 Million Pokemon Sale (16:02) The Tax Side Of Pokemon Collectibles (16:57) The $500 Rule That Saves You Tax (19:25) Why Pokemon Losses Only Offset Pokemon Gains (22:15) Why You Should Take Wins And Diversify Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

There's a resurgence of Aussies buying commercial property in Self-managed Super Funds. Nick's found a real-world example of a commercial shed in regional Victoria that could generate $133K a year, and he breaks down the numbers of what this would look like as an investment in 2026. On this episode, we discuss: (00:00) Intro (02:45) Inside The SMSF Resurgence (03:33) When Property Income Falls Short At Retirement (05:33) How Commercial Property Improves Cash Flow (07:30) Building A 25-Year Commercial Property Strategy (08:53) The $1.2 Million Shepparton Shed (09:42) What 3% Growth Could Look Like (10:39) How The Loan And Deposit Work for an SMSF (11:43) $35K a Year Covers the Loan Gap (15:06) What the Asset Could Look Like in 25 Years (16:30) Three Tax-Free Options At Retirement (18:54) Where to Start Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

1 July might be the most expensive day in Australian small business history. Jase has done the maths on a 10-person business and the cost is around $50,000 extra a year on the basics alone. If you're employing people in Australia, this is hitting you now, and he's mapped out a game plan to tackle it. On this episode, we discuss: (00:00) Intro (00:26) The Most Expensive Day In Small Business History (00:56) Everything Hitting Small Business On 1 July (03:03) Why 33,500 Businesses Disappeared (04:35) The Card Surcharge Ban Hitting 1 October (06:22) The Fuel And Wage Hit Of 1 July (07:36) How Payday Super Killed Quarterly Cash Flow (09:59) Why Power Bills Just Jumped 22.5% (13:19) The $50,000 Hit On 10 Staff (14:27) The Bendel Case Explained (19:03) The 30% Trust Tax Coming In 2028 (25:22) Why Selling Assets Just Got More Taxing (27:17) Why Foreign Investors Pay Less Tax Than You (29:11) Jase's 7-Step Game Plan Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The 2026 Budget was pitched as a fix for intergenerational unfairness. Nick's fired up and reckons none of it adds up, especially if you're a young Australian trying to get ahead. But you can't just criticise without bringing a solution, and he's got a few of his own. On this episode, we discuss: (00:00) Intro (01:17) The 2026 Budget's Reform Pitch and Where It Misses Young Australians (02:29) Bracket Creep and the 47% Tax Rate That Hits Young High Earners (05:35) The $1,000 ATO Deduction Is Less Than Most Australians Already Claim (06:29) The HELP Debt Indexation Problem That Costs Australians Thousands Every Year (08:55) Removing Negative Gearing on Existing Homes Won't Free Up Housing Supply (11:24) Rents Are Set to Rise as Negative Gearing Shifts to New Builds Only (11:55) CGT Changes Hit Startup Founders Hardest, Not Property Investors (14:00) The Property Marketers Set to Profit From the Negative Gearing Reforms (16:47) Cutting Income Tax and Lifting GST, the Real Reform Trade-Off (18:31) Top 10 Postcodes by Taxable Income from Portsea to Mossman (21:25) Australia's GST Has Been Stuck at 10% Since 2000 (25:30) One Nation's Rise and What It Says About Voter Frustration Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Australians waste $1.9 billion a year on gift cards they never use, and there's a whole business model built around hoping you don't show up. If your business sells gift cards, there's a good chance the accounting is wrong. It's one of the most common mistakes Jase sees with his clients, and this episode gets into how the accounting should actually work so you're not paying tax before you need to. On this episode, we discuss: (00:00) Intro (00:24) How Endota Spa's Gift Card Numbers Went Viral (03:43) $1.9 Billion in Unused Gift Cards Per Year in Australia (05:23) How Gift Cards Became 40% of Endota Spa's Revenue (05:59) How Endota Earns $13.5M From Gift Cards No One Uses (07:07) Why Gift Card Sales Aren't Revenue on Your Books (08:52) The 3-Year ACCC Expiry and When to Recognise Revenue (10:50) What the Endota Sale Means for the Incoming Buyer (12:46) Swap Platforms That Turn Unused Gift Cards Into Cash (14:58) Gifta and How to Make Sure Gift Cards Actually Get Used (19:27) Why Gift Cards in Your Digital Wallet Actually Get Used (21:23) Employee Gift Cards and Fringe Benefits Tax (23:01) Game Over Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Over 9,000 Australian jobs have gone to AI this year and we're now second in the world for tech displacement. Nick reckons you don't need to be a tech expert to stay relevant. Your existing skills transfer to roles AI can't replace, you just need to know which ones and where. He's put together a 6-step playbook that walks you through assessing your own exposure, identifying what transfers, and making a move before your employer makes one for you. On this episode, we discuss: (00:00) Intro (00:19) AI Is Here and Jobs Are Changing in Australia (05:18) WiseTech, Telstra, Atlassian and 9,238 AI Job Losses (06:16) 1.3 Million Australians Changing Roles by 2030 (07:48) Why a Telemarketer Could Become an Account Manager (11:02) Which Jobs AI Can and Can't Do: 0.3% to 80% (13:06) How an Accounting Firm Is Rolling Out AI to Its Team (15:24) $10 Million Revenue with 30 Staff Instead of 50 (16:26) Why AI-Forward Companies Create More Opportunity (18:48) Capacity Is Why Clients Leave Their Accountant (21:01) Nick's 6-Step Playbook for Protecting Your Career (24:18) Don't Wait for Your Employer to Act (25:28) The Flywheel Effect When Teams Share AI Wins Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Victoria's $199 billion in debt, and if you're running a small business in this state, you're the one wearing it. Taxes keep climbing, businesses are going under at record rates, and the COVID levy that was sold as temporary isn't going anywhere. Jase has done the numbers on where the money went and what it means for Victorian business owners heading into end of financial year. On this episode, we discuss: (00:00) Intro (00:43) Victoria's $199 Billion State Debt (02:40) $1 Million a Day for 55 Years to Reach $199 Billion (03:53) What $199 Billion Could Have Built for Victoria (06:25) $43 Billion in Tax and Most of It Goes to Interest (07:23) How the Debt Hits Small Business Through Extra Taxes (09:09) Is Government Debt Really Good Debt (10:56) Real Margins at $1M, $5M and $10M Turnover (14:35) Victorian Insolvencies Up 48% and Projected to Rise 63% (15:31) Public Sector Staff Up 60% on 29% Population Growth (17:40) 18% CBD Vacancy and 16,000 People Leaving Victoria (19:21) How to Work Out What You'll Owe Victoria This Year (21:24) Review Your Business Structure Before 30 June (22:50) Director Penalty Notices and When to Get Help Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The bank of mum and dad is now Australia's fifth largest lender, with $35 billion a year flowing from parents to kids trying to get into property. Most of it completely undocumented and with no plan for how it comes back. Nick's seen it go wrong firsthand, and this is what both sides need to hear before any money changes hands. On this episode, we discuss: (00:00) Intro (00:42) Australia's 5th Largest Lender Is the Bank of Mum and Dad (04:29) $35 Billion a Year and 60% of First Homeowners Need Family Help (05:58) Why Borrowing From Parents Has Zero Regulation (07:34) What Can Go Wrong When Family Money Is Involved (09:27) Why You Need a Loan Agreement Before Money Changes Hands (10:41) Do Your Parents Need This Money to Retire? (11:41) How Guarantor Loans Work and Why Parents Can't Sell (14:26) How Going Guarantor Could Cost Your Parents $200,000 in Super (17:44) A Real Divorce Case Where $100,000 Had No Paperwork (18:33) Parents Should Ask the Same Questions a Bank Would (21:58) How Gifts and Loans Can Impact Your Parents' Pension (24:33) When Reverse Mortgages Make Sense and When They Don't (26:44) Would You Do It? Nick's Answer as a Dad Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The ATO is rolling out an automatic $1,000 tax deduction for millions of Australians, and it sounds like free money until you understand how deductions actually work. Jase has run the maths on what that $1,000 really puts back in your pocket at every tax bracket. Is this just another nice sell from the government, or is the box actually worth ticking? On this episode, we discuss: (00:00) Intro (00:21) The $1,000 Auto Tax Deduction Explained (00:57) Why a Tax Deduction Isn't a Tax Refund (04:09) What You Actually Get Back at Each Tax Bracket (05:29) The 70c Per Hour Work From Home Claim (07:25) Why the Average Aussie Claims $3,500 (08:31) Should the Deduction Be a Sliding Scale? (11:34) Easy Ways to Track Receipts and Kilometres (14:27) Why UK Workers Don't Lodge Tax Returns (16:08) When the $1,000 Deduction Starts (17:03) Super Contribution Cap Rising to $32.5K (19:51) Will the $20K Instant Asset Write-Off Stay? (20:54) Book Your Accountant Before 30 June Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The five-day work week hasn't changed since Henry Ford introduced it in 1926, and Nick reckons AI might be the thing that finally ends it. Thanks to AI productivity gains in service businesses are already real, and the question isn't whether people can get five days of work done in four, it's whether business owners will pass that time back or just pocket the margin. Do you think a four-day week could actually work in Australia? On this episode, we discuss: (00:00) Intro (01:00) Henry Ford and the 5-Day Work Week (02:44) Could You Do It in a 32-Hour Work Week? (03:38) Where Your Work-From-Home Day Goes (04:39) AI Job Losses vs a 4-Day Work Week (06:03) Should Bosses Share AI Productivity Gains? (12:00) Nobody Actually Works 5 Full Days (18:07) Xero Made Us Faster, Not Freer (20:27) Universal Basic Income and AI (22:54) Who's the Next Henry Ford? Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Fuel's up 70% and EV orders have tripled, so Jase did the numbers on what switching actually costs. The per-kilometre gap between petrol and electric is ten to one, and if you salary sacrifice an EV through your business, the FBT exemption stacks another $10K-$15K a year on top. If you're thinking about making the switch, this is the one to listen to. On this episode, we discuss: (00:00) Intro (00:47) Strait of Hormuz Disruption and Diesel Up 70% (02:29) 300% Increase in EV Orders Since the Fuel Spike (03:45) $0.22/km Petrol vs $0.02/km Electric Running Costs (05:12) $46,000 vs $10,000 on Fuel Over Five Years (07:03) Why Jase Ordered a Tesla Model Y (08:41) How the FBT Exemption Works for Electric Vehicles (10:15) Salary Sacrificing an EV and Saving $10K-$15K a Year (12:30) Battery Electric Only Since April 2025, Plug-In Hybrids Out (14:02) Government Review and the Risk It Gets Pulled (16:18) Tesla Drops to $20K Resale vs Hilux Holding $40K-$50K (18:05) When to Buy and When to Wait (20:12) How This Ties Back to the Productivity and Tax Episode (22:30) Final Verdict on Whether the Numbers Stack Up Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Australia hasn't had real productivity growth in six years, but the government keeps spending more and taxing more to cover the gap. Nick goes through the federal budget numbers, what productivity actually means when you strip out the spin, and why the answer might not be another tax bracket or another levy, but actually spending less. On this episode, we discuss: (00:00) Intro (00:17) Free Public Transport in Victoria and the $400 Million Price Tag (00:58) Jacinta Allan on Sunrise and Victoria's $200 Billion Debt (02:41) Federal Budget Reforms: CGT, Negative Gearing, Family Trusts (03:42) Why Cutting Costs Is Easier Than Growing Revenue in Business (06:06) Zero Productivity Growth for 6 Years and $786 Billion in Spending (07:53) Why Government Doesn't Run Like a Business (10:51) Public Sector Healthcare Productivity Down 13.5% Since 2017 (14:03) The $15 Billion CFMEU Money Nobody Investigated (14:51) COVID Business Packages and 11% Non-Deductible ATO Interest (17:16) Should the PM Earn $10 Million per year for Better Results (22:37) Why More Australians Are Paying Attention to Government Waste (25:16) The $20 Million Campaign to Pump Your Tyres Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

The ATO's audit hit list is out for 2026, and they've got more data on you than ever. Your bank, your crypto platform, your rental agent, your Instagram, they're matching it all against your return. This episode covers the real triggers that put you on their radar, and why using the ATO as a cheap line of credit just became one of the most expensive mistakes a business owner can make. On this episode, we discuss: (00:00) Intro (01:23) What Triggers an ATO Audit in 2026 (02:17) Lifestyle vs Income, the ATO's #1 Audit Flag (02:40) The Client Who Used Cash and Gift Cards to Stay Off the Radar (05:10) Property, Cars and Social Media in ATO Investigations (06:51) Crypto, Banks and Airbnb, the Data the ATO Already Has (07:44) Rental Properties, the ATO's #2 Audit Area (10:40) Crypto, the ATO's #3 Audit Area (14:43) A Simple System to Stay Organised for Tax (16:51) Incorrect Deductions and the "Everyone Claims It" Myth (19:36) How the ATO Benchmarks You Against Your Occupation Code (22:22) GIC No Longer Tax Deductible, Amnesty Until December 2026 (25:12) Using the ATO as a Line of Credit Is Over (28:44) Payday Super Starts 1 July 2026 Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

$4 to $5.4 trillion is set to change hands in Australia's great wealth transfer, and most families have no idea how much tax is hiding in super, shares, and property along the way. Nick walks through a real client case where a 94-year-old with $5.3 million in assets was staring down a $300,000 tax bill for her kids, and the strategies that brought it right down. And with The Australia Institute now proposing to bring back an official inheritance tax, estimated to raise $10 billion a year, this is a conversation worth having sooner rather than later. On this episode, we discuss: (00:00) Intro (00:19) The Great Australian Wealth Transfer, $4 to $5.4 Trillion (01:04) Why the Wealth Transfer Affects Every Family (03:30) Could Australia Bring Back an Inheritance Tax? (04:28) The Australia Institute Proposes $10 Billion a Year Inheritance Tax (05:21) Betty's $5.3 Million Estate and a Hidden $300,000 Tax Bill (07:34) Taxable vs Non-Taxable Super Components Explained (09:28) How a Full Pension Withdrawal Saved $100,000 in Super Tax (10:07) Re-Contribution Strategy to Reduce Taxable Super (12:12) Capital Gains Tax on Inherited Shares (13:34) Staging a Share Sell-Down Over Three Years to Save $55,000 (15:08) Inherited Property, Main Residence vs Investment Rules (18:58) Selling Property Before Passing It On to Reduce Capital Gains (22:04) The $390,000 Super Re-Contribution Rule Check out the free resources from Inovayt here. Send us an email: hello@thenumbersgamepodcast.com.au The Numbers Game is brought to you by Future Advisory & Inovayt . Hosts: Nick Reilly Jason Robinson This podcast is produced by VIDPOD. Check out our new website thenumbersgamepodcast.com.au . Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.