The Numbers Game

00:22:08

What Australia Can Learn From New Zealand's Property...

The Numbers Game ·

2026/10/11

The Aussie property market is slowing, and most of us are wondering what happens next. New Zealand's already been through this same cycle, so we've had a real preview of how it plays out. They hiked rates before us. Their property fell before ours. Almost five years on, prices are still 15% below peak. Today Nick takes us through what actually happened across the ditch and what it means for anyone thinking about buying or already holding property here.On this episode, we discuss: (00:00) Intro

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00:26:35

Where Your Charity Donations Actually End Up

The Numbers Game ·

2026/10/04

When you donate $100 to charity, how much actually reaches the person it's meant to help? Turns out there's no law that says any of it has to. Some big Aussie charities get 82 cents on the dollar through to beneficiaries. Others get 6 cents. Today Jase takes us through Australia's $239 billion charity sector and how to actually give in a way that makes it there.On this episode, we discuss: (00:00) Intro (01:15) What Aussies expect from charity (01:58) Why there's no minimum donation rule

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00:28:27

Long-Term Australian Property Returns | Does It Still...

The Numbers Game ·

2026/09/27

I'm sure you've heard the saying that property doubles every 7 to 10 years. It's been the retirement plan for a generation. But 25 years of data doesn't quite back up the myth. Today Nick takes us through what the real numbers look like on property returns and, with the market slowing in Australia, what to expect if property is your wealth-building plan. On this episode, we discuss: (00:00) Intro (00:42) The property doubling myth (04:22) What property really returns over 25 years (06:15)

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00:39:10

Liquidation, Bankruptcy or Restructure | Your Options...

The Numbers Game ·

2026/09/20

Business closures and director penalty notices are hitting record highs across Australia. If you've missed a BAS lodgement or you're dreading a red letter from the ATO, you're not alone. Jase deals with this every week at Future Advisory. Today he covers what a Director Penalty Notice actually means, the rescue options like a Small Business Restructure that most owners don't know exist, and the one lodgement habit that keeps them all on the table. On this episode, we discuss: (00:00) Intro

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00:26:31

Rethinking How Much You Actually Need to Retire

The Numbers Game ·

2026/09/13

Most people try to work out how much they need to retire before they've worked out what they actually want retirement to look like. It's no wonder, when you're constantly hearing you need $2 million or some other massive number to retire. For a lot of Aussies, that turns retirement into something they'd rather not think about. Today Nick walks through how to work out what enough actually looks like for you, and why once you do, most Aussies find they're already further along than they think.On this

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00:24:59

Taking Money From Your Own Company | What to Know...

The Numbers Game ·

2026/09/06

If you run a company, the money in it might feel like yours, but the ATO doesn't always see it that way. Just ask the plumber who took a million out of his business, missed one piece of paperwork, and lost $470,000 to tax. Today we walk through what he did, the rule that caught him out, and what every business owner needs to know before touching company money.On this episode, we discuss: (00:00) Intro (00:20) A plumber, a million dollars, and one costly mistake (01:33) Inside the Battaglia

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00:24:29

How to Set Your Kid Up for Retirement

The Numbers Game ·

2026/08/30

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

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00:22:31

Why You Feel Poorer Despite Getting a Pay Rise | The...

The Numbers Game ·

2026/08/23

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

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00:29:46

How to Get Ahead in Your 20s | What We'd Do If We Had...

The Numbers Game ·

2026/08/16

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

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00:25:17

Build or Buy a Business? | The Huge Opportunity in...

The Numbers Game ·

2026/08/09

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

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00:30:28

Why Australia Isn't as Broken as the Media Says

The Numbers Game ·

2026/08/02

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

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00:29:14

Should Australia Ditch Super?

The Numbers Game ·

2026/07/26

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

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00:23:55

Pokemon Cards vs Bitcoin, Gold and the ASX | A...

The Numbers Game ·

2026/07/19

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

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00:21:11

Buying Commercial Property With Your Super in 2026 |...

The Numbers Game ·

2026/07/12

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

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00:32:35

The Most Expensive Day in Aussie Small Business History

The Numbers Game ·

2026/07/05

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

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00:26:47

What Real Budget Reform for Young Australians Would...

The Numbers Game ·

2026/06/28

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

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00:23:30

The Business of Gift Cards | Why Most Get the...

The Numbers Game ·

2026/06/21

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

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00:28:32

How to Know If Your Skills Transfer in an AI World

The Numbers Game ·

2026/06/14

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)

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00:26:11

Victoria Owes $199 Billion | What It Means for Your...

The Numbers Game ·

2026/06/07

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

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00:29:47

The Bank of Mum and Dad: A Financial Disaster Waiting...

The Numbers Game ·

2026/05/31

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

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