Thinking tax planning is just paperwork? Think again. In this episode, we unpack why proactive tax planning is a must for business owners—not just to save tax, but to boost cash flow, avoid nasty surprises, and build a stronger financial future. We break down structures, trust distributions, company loans, and real strategies to keep more money in your pocket.

On this episode, we discuss:

(00:00) Intro
(00:11) Why Tax Planning Isn't Boring—It's Crucial
(04:59) Family Trust Risks And ATO Crackdowns Explained
(07:33) What’s Actually Your Money? Planning Cash Reserves
(11:04) Loans From Companies: What Directors Get Wrong
(14:47) The Right Way To Use Offsets
(18:04) Are You Happy With What You’re Earning? A Brutal Check-In
(19:42) Business Planning Vs Personal Wealth Planning
(23:55) What A Tax Planning Meeting Actually Covers
(25:25) Legal Ways To Push Back Income And Reduce Tax
(30:04) What Real Value Looks Like: Advice That Pays For Itself

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
Martin Vidakovic

This podcast is produced by VIDPOD.

Burnout is hitting business owners harder than ever. In this episode, we dive into the harsh realities behind the stats: why so many founders feel trapped in their own businesses, the difference between being a consultant and a business owner, and how to build a team without burning cash or yourself. If you’re wearing five hats and going nowhere fast, this one's for you!

On this episode, we discuss:

(00:00) Intro
(00:11) Why Business Owners Are Trapped Doing Everything
(04:21) Is Burnout A Badge Of Honour?
(05:22) Consultant Vs Business Owner – Which One Are You Really Built To Be?
(08:40) Scaling Without The Chaos
(09:29) Finding Your Zone Of Highest Impact
(11:23) Why Most Small Teams Underperform
(13:32) Sales Hires Can Be Risky
(14:05) Baby Steps To Growth
(17:20) Is Blitzscaling right for you?
(17:41) Build A Team Of A-Players Starting With Hire #1
(20:12) Jason's Lessons From Rapid Growth
(22:24) Plan Or Panic - The Trap Of Short-Term Thinking In Business
(23:24) Do You Actually Want To Grow? The Case For Staying Small And Profitable
(24:54) Fire Your Worst Clients And Earn More Doing 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
Martin Vidakovic

This podcast is produced by VIDPOD.

How do you build long-term wealth without trying to time the market? Today we break down the power of dollar cost averaging and why it’s a proven strategy for growing your investments, especially in volatile times. We unpack how it works, why superannuation does it so well, and how rebalancing and automation can help you stay disciplined and reduce risk.

On this episode, we discuss:

• (00:00) Intro
• (01:21) What Is Dollar Cost Averaging and Why It Works
• (02:02) Why Timing the Market Rarely Works
• (02:44) The Courage Problem: Why Most Investors Miss Buying the Dip
• (03:48) A Real Example: Investing $200K Without the Risk
• (06:03) Why Superannuation Is the Ultimate Dollar Cost Averaging Machine
• (06:56) Big Change Ahead - Weekly Super Contributions from 2026
• (08:50) Why Losses Hurt More Than Gains Feel Good
• (09:59) Marty’s Numbers - Why Consistency Beats Trying to Time the Market
• (11:40) The Risk of Picking Stocks vs. Market-Wide Funds
• (12:05) What Is Rebalancing and How Does It Work?
• (13:25) How to Stay Balanced When One Investment Outperforms
• (16:32) The Hidden Tax Impacts of ETFs and Managed Funds
• (17:23) Why Dollar Cost Averaging Is Perfect for Business Owners
• (18:03) Warren Buffett’s Take: Just Keep Investing
• (21:41) Supercharging Super: Using Salary Sacrifice to Build Wealth
• (22:48) Why 90% of Day Traders Lose - and How to Avoid It

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
Martin Vidakovic

This podcast is produced by VIDPOD.

Are you pouring time, money, and energy into something that just isn’t working? Today we talk about the “dead horse” strategy and why people cling to bad ideas, failing partnerships, underperforming staff, or side hustles that should’ve ended long ago. We share real stories, hard-earned lessons, and practical tools to help you spot the signs early and move on before it costs you big.

On this episode, we discuss:

• (00:00) Intro
• (00:18) What Is the “Dead Horse” Strategy?
• (01:29) Marty’s Real Estate Side Hustle That Distracted the Business
• (03:12) Jase’s Gin Business Detour and the Emotional Cost of Persistence
• (04:33) The Sunk Cost Trap: When You’ve Invested Too Much to Quit
• (06:01) Buying More on the Dip: The Investor’s Version of a Dead Horse
• (06:43) Relationships with Referrers: When the Leads Just Don’t Come
• (08:10) Setting Expectations and Knowing When to Walk Away
• (10:25) Letting Go of Team Members Sooner: Why It’s Crucial for Growth
• (13:14) How Business Maturity Forces Harder, Faster Decisions
• (14:51) Case Study: The Fall of Godfreys and Failure to Pivot
• (17:34) How to Spot a Dead Horse in Business Before It’s Too Late
• (20:23) Don’t Go It Alone: Accountability Buddies and Advisory Boards
• (21:15) Have a Crack—But Know When to Cut Your Losses

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
Martin Vidakovic

This podcast is produced by VIDPOD.

Adam Sullivan’s incredible rise in business revenue came with some serious financial lessons. Today we dive into Adams financial rollercoaster - how he scaled to $1.5M a month, bought an $11M mansion, and nearly came undone by Division 7A loans, tax traps, and flashy spending. We unpack the real costs of pulling money from your company, how fringe benefits tax can sting, and why financial literacy is essential for every business owner.

On this episode, we discuss:

(00:00) Intro
(00:27) Who is Adam Sullivan? $1.5M a Month Business Story
(02:51) The Trap of Treating Company Money as Personal Money
(04:37) Division 7A Loans Explained Simply
(08:53) Why Business Owners Get Stuck in Dangerous Tax Cycles
(10:19) The Hidden Risk of Pulling Money From Your Company
(11:23) When Using Division 7A Loans Actually Makes Sense
(14:55) The True Cost of Buying a Lamborghini Through Your Business
(16:51) Fringe Benefits Tax (FBT) Explained: What It Could Cost You
(18:29) Why Financial Education Matters for Business Owners
(20:08) Selling the $11M Mansion: How Adam Escaped the Debt Spiral
(22:34) The Dangers of New Money and Lack of Financial Literacy

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
Martin Vidakovic

This podcast is produced by VIDPOD.

Dreaming of owning a holiday home? Today we break down the true costs, hidden traps, and emotional pull of buying a weekender and why the numbers often don’t stack up. We explore smarter alternatives for lifestyle and wealth building, and share real strategies to enjoy more holidays without the financial stress.

On this episode, we discuss:

(00:00) Intro
(00:35) Why buying a holiday home might not make sense in 2025
(01:55) The emotional appeal vs. the financial reality
(04:30) Life is busier now — who really uses their holiday house?
(09:17) Tax headaches and ATO audit risks for holiday homes
(11:10) New government levies and regulations targeting short-term rentals
(12:59) Holiday Home Numbers Breakdown
(16:38) When buying a holiday home actually makes sense
(17:52) The hidden costs of Airbnb management
(19:14) Simplifying wealth strategies and lifestyle choices
(22:31) Changing work habits and where we choose to live
(23:38) Why consolidating your assets might be the real freedom move

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
Martin Vidakovic

This podcast is produced by VIDPOD.

HELP debt is now a $80 billion problem for Australia, and it’s only getting bigger. Today we dive into how HECS/HELP debt really works, why it’s impacting borrowing capacity, and whether the system needs a major rethink. From free money myths to the true cost of uni, we unpack the long-term financial consequences and what needs to change.

On this episode, we discuss:

(00:00) Intro
(00:38) What is Australia's $80 billion problem?
(04:05) 7.5% of your income gone to HELP repayments
(05:15) The impact of HELP debt on borrowing capacity
(07:00) Government wipes 20% of HELP debt-fair or not?
(08:10) Is the real issue the cost of education?
(09:00) Are uni campuses over-engineered and overpriced?
(10:40) Should education be delivered inside businesses?
(13:45) A look into homeschooling and self-directed learning
(15:45) The lack of financial education at school
(16:45) Would we make different uni decisions with better money knowledge?
(18:00) What if higher education was actually affordable?
(22:05) How the 20% HELP debt wipe will actually work

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
Martin Vidakovic

This podcast is produced by VIDPOD.

Today we unpack one of Australia’s hottest property topics: negative gearing. We dive into what it actually is, how it works, and why it may not be the game changer many think it is. We also explore some bold new ideas to reform the system, including an interesting proposal to simplify how property profits are taxed.

On this episode, we discuss:

(00:00) Intro
(00:55) Should We Scale Back Negative Gearing?
(02:05) Why Negative Gearing Still Dominates Investor Thinking in Australia
(03:20) How Much It's Costing the Government—and Who Gains
(04:55) The Overlooked Risks of Scrapping Tax Incentives
(06:15) Common Misunderstandings Around Negative Gearing
(08:45) Marty's Pitch for a Simpler, Fairer System
(15:10) Nick's Big Reform Idea
(22:35) Why No Tax Break on Your Home Loan?
(24:30) The Tax Deduction That Can Cost You Later
(26:00) How Gains Shrink Once Depreciation Is Factored In

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
Martin Vidakovic

This podcast is produced by VIDPOD.