74 episodes

It’s absolutely possible for a business owner, like you, to have it all. The only limiting factor to success in your business and in your life is you, the business owner!

The Business & Investing podcast exists to help you overcome your limits. Hosted by successful Australian entrepreneurs Grant Merriel and Charley Valher, the show is dedicated to sharing information, insights and tools to help business owners, like yourself, build a stable, thriving business that unlocks your money and life goals.

Grant and Charley both dive into their own experiences with their fellow Australian business owners and trusted professionals to help you become the best Full Stack Business Owner.

*Disclaimer - We are just like you, Australian business owners, and everything we discuss is intended for entertainment and educational purposes only and is not financial advice. Always seek professional advice before making any decision when it comes to wealth creation.

Business and Investing Business and Investing

    • Business
    • 4.7 • 14 Ratings

It’s absolutely possible for a business owner, like you, to have it all. The only limiting factor to success in your business and in your life is you, the business owner!

The Business & Investing podcast exists to help you overcome your limits. Hosted by successful Australian entrepreneurs Grant Merriel and Charley Valher, the show is dedicated to sharing information, insights and tools to help business owners, like yourself, build a stable, thriving business that unlocks your money and life goals.

Grant and Charley both dive into their own experiences with their fellow Australian business owners and trusted professionals to help you become the best Full Stack Business Owner.

*Disclaimer - We are just like you, Australian business owners, and everything we discuss is intended for entertainment and educational purposes only and is not financial advice. Always seek professional advice before making any decision when it comes to wealth creation.

    Mortgage Broker Q&A with Aaron Whybrow

    Mortgage Broker Q&A with Aaron Whybrow

    I spoke to my buyer's agent a few weeks back.

    Keen to get an understanding of what’s happening in real estate.

     - Are prices actually dropping?

     - Are interest rate rises slowing the number of transactions?

     - Are investors getting nervous and waiting for rates to stabilize?

    Here is what I found out.

    They are not seeing a shortage of investors or owner-occupiers wanting to buy.

    In the locations they are buying, there is still competition, and they are having to compete with other bidders.

    They are currently not seeing any massive discounts or price drops.Turns out it’s not the bargain season I was hoping for.A part of me was hoping to hear it’s the best time ever to be a buyer as everyone is scared…

    I do enjoy being a contrarian in the market and buying when others are not.Anyhow! He then went on to reveal

    The real struggle is finance!

    Many people are committing to purchasing a property “subject to finance”(which is a wise clause to put in when buying a property)

    He has witnessed several people get to that point and then have to pull out either because the banks won't lend to them…

    Or, the terms of the lending are horrible.

    Such as getting hit with higher-than-expected rates and deposit requirements.This is a sign of rate rises having an impact on things.

    I went to my broker to confirm if he is also experiencing it.I always like to confirm someone's opinion with another source just in case it is isolated.I also wanted to see what my own borrowing power is currently.

    I expected to see a heavily reduced borrowing power due to all the year's rate rises.

    To my surprise, my borrowing power had not been reduced that much.

    But…

    What made me nearly fall off my chair.Getting quoted interest rates at 7% + 🤯

    Not that long ago, I was getting quotes at 3%

    While this experience has not changed my strategy, it has made me put more focus on how and when I’m using leverage.

    A good asset poorly financed has taken many down before me.

    Not something I want to experience myself.

    If you haven’t done it in a while, I highly recommend connecting with your broker and getting your own borrowing power checked.

    Even if you have no intention to borrow money, it's nice to know what options you have.

    Anyhow, a bit of an insight into what I’m experiencing first-hand atm.

    I'll press on!

    On this week's podcast, I have brought on Aaron Whybrow to do a mortgage broker QNA.

    Being able to understand and access lending plays such a critical role in how the economy works.

    Lending is one of the biggest drivers of the business and investing world.

    You can tune in here at this link: https://youtu.be/_dWL9RggnLk

    Also… please note this podcast is not personal financial advice.

    Seek and use qualified professionals who know and understand your situation.

    Episode Highlights:

    00:00 Welcome to Business and Investing04:48 What’s the difference between the Big 4, 2nd tier, and 3rd tier lenders?10:48 Is there more risk in getting loans from 2nd tier or 3rd tier lenders? 16:15 Private funding vs. 2nd tier lenders 20:01 Is it common to take a loan to get a deal done and refinance it later?23:24 Understanding approaches that different mortgage brokers make 29:44 How often do people refinance and Aaron’s suggestions 34:24 Aaron’s tips on refinancing 38:02 Is it risky to have multiple mortgages with one bank? If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

    Resources: 

    ○ Business and Investing website: https://www.businessandinvesting.com/○ If you want to find out more about our guest, Aaron Whybrow, and talk about your mortgage, head over to https://www.businessandinvesting.com/partners 

    About the Guest: 

    Aaron Whybrow is the founder of Diagnostics and Finance, a Financial Broking and Personal Risk Insurance Business.

    Diagnostics & Finance (ARW Financial Services Pty Ltd) is a Credit Representative 425540 of Finsure Finance & Insurance ACL 384704.

    He is

    • 43 min
    Creating a Property Portfolio Growth Plan with Goose McGrath

    Creating a Property Portfolio Growth Plan with Goose McGrath

    Every year in January, I used to block out two full days to plan out my year

    I would set some ambitious goals.Pick out some quarterly milestones. Write up weekly deliverables.Even set the KPIs to track the progress.

    I always felt really good about taking the time to plan.I was excited to have a plan.

    I would fantasize about the results that would come from executing this plan well.

    However…

    By the end of January, so many unexpected things would happen that my plan became useless.

    I would set goals that were too ambitious and unrealistic to hit.

    A good opportunity would come that I would be stupid not to take.

    A team member I was relying on to help execute the plan would leave.

    The business environment would change, and I needed to pivot.

    Every year I found a way to justify abandoning my plan.

    Which led me to believe planning is a waste of time.

    How can anyone plan when there are so many unknowns?

    I remember thinking, “Just focus on making more money.”

    Which is an endless pursuit and grind… not a good idea

    Anyhow, turns out I was just terrible at planning.

    The way I was doing annual planning was more like writing a movie for how I wanted the year to go than an actual plan.

    These days, planning has become one of the most important activities when it comes to running my business.

    Anyhow, in this week's episode of the podcast, I’m joined by Goose McGrath,Our Property Specialist from Dashdot.

    We go over how to create a property portfolio growth plan.

    What I love about this episode is so much of it is relatable to not just property but business as well.Episode Highlights:00:00 Welcome to Business and Investing02:51 Goose McGrath and his expertise in property investing04:55 What is a portfolio growth plan?08:03 Going through immense changes in business12:42 Psychological and strategically adjusting to change17:54 Importance of having a plan20:13 Having a strategic plan vs playing games when investing23:35 Is it the right time to change strategies?33:34 Goose’s formula to a minimum viable life46:33 Minimum viable life and abundance 50:42 Do you have limiting beliefs when setting your goal?If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!Resources:○ Business and Investing website: https://www.businessandinvesting.com/ ○ See your property roadmap with Dashdot's Property Portfolio Growth Plan: https://dashdot.com.au/portfoliogrowthplan/ Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/@businessandinvesting○ Subscribe on Apple Podcast: https://podcasts.apple.com/au/podcast/business-investing/id1607453342 Connect with Business and Investing:○ Join the Business and Investing Community: https://www.facebook.com/groups/440140397804480 ○ Follow us on Facebook: https://www.facebook.com/businessandinvestingcom ○ Follow us on Instagram: https://www.instagram.com/businessandinvestingcom ○ Follow us on TikTok: https://www.tiktok.com/@businessandinvestingcom ○ Send your enquiries or drop by to say hello: grant@businessandinvesting.com DISCLAIMER:All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
    Support the show: https://linktr.ee/businessandinvestingcom
    See omnystudio.com/listener for privacy information.

    • 58 min
    Our Dream Panel of Advisors

    Our Dream Panel of Advisors

    I’ll never forget the experience of hiring my first mentor.

    I had seen this guy popping up on my social media.Every week he would release a video. 

    He had this way of describing the exact problems I was dealing with and could accurately articulate how I got these problems.

    It was like he was talking directly to me.Like the videos were just for me.

    Eventually, I was so convinced he understood my problems and I felt that he could help me…So, I reached out and enquired about his mentoring program.

    I got on a call with him, and just as I expected, he had a similar business to mine.

    To no surprise, he had been through the same thing and knew how to overcome what I was facing at the time.

    I asked him when we could start working together and what it would cost.

    When he gave me the price, I nearly fainted.Kidney prices…

    Then he said something I’ll never forget.

    Only idiots attempt to grow a business by trial and error.

    The smart ones do this.  - Find someone who has done it - Pay them - Model what they have done

    The trial and error approach is slow and expensive, and mentors are cheap and offer quicker results when you measure it this way.

    I looked at how much time and money I had wasted in business “trying” to get things to work.

    I couldn’t argue with his point and signed up for the programWhich ended up being a great decision.

    Since that day, it has been my approach to not only business but to life.Find someone who has done it and pay for the shortcut.

    Anyhow, in this week's episode of the podcast, Grant and I build our dream panel of Mentors / Advisors.

    We go into  - Who we would have on our panel - Why we picked them - What we would hope to get from working with them

    Take note, as there might be hints on what to look for in your advisors.

    Episode Highlights:

    00:00 Welcome to Business and Investing03:00 Analogy in designing a panel of advisors 06:11 Getting people with different skills and opposing views 07:48 Who’s advising you today and the roles they fill10:03 The people you have around you makes all the difference10:32 Dream Advisor: Keith Cunningham 14:25 Exercise caution when taking advice from other people 16:45 Dream Advisor: Carl Icahn21:04 Why you don’t need a ‘Yes Man’ as an advisor22:58 Dream Advisor: Howard Marks 29:20 Dream Advisor: Stephen Schwarzman33:00 Gaining access to your advisor’s network 34:20 Trend spotting 35:23 Dream Advisor: Peter Attia 40:05 Dream Advisor: Tony Robbins 44:17 Dream Advisor: Kim Kardashian 49:30 Avoiding bias 51:10 Dream Advisor: Ray Dalio  

    If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! 

    Resources: 

    ○ Business and Investing website: https://www.businessandinvesting.com/

    Subscribe: 

    ○ Subscribe on Youtube: https://www.youtube.com/@businessandinvesting

    ○ Subscribe on Apple Podcast: https://podcasts.apple.com/au/podcast/business-investing/id1607453342

    Connect with Business and Investing: 

    ○ Join the Business and Investing Community: https://www.facebook.com/groups/440140397804480

    ○ Follow us on Facebook: https://www.facebook.com/businessandinvestingcom

    ○ Follow us on Instagram: https://www.instagram.com/businessandinvestingcom

    ○ Follow us on TikTok: https://www.tiktok.com/@businessandinvestingcom

    ○ Send your enquiries or drop by to say hello: grant@businessandinvesting.com

    DISCLAIMER:

    All information we share is NOT financial or investment advice and is purely intended for entertainment and educational purposes only. Always seek professional advice before acting on any financial decision.
    Support the show: https://linktr.ee/businessandinvestingcom
    See omnystudio.com/listener for privacy information.

    • 56 min
    Building a Business to Sell Versus Building for Cashflow with James Schramko

    Building a Business to Sell Versus Building for Cashflow with James Schramko

    When I was a kid, one of the things my family would often do on a Friday night is go to Blockbuster. (Video rental store)

    My sister and I were allowed to pick one movie each for the weekend.

    Now my sister would be able to pick a movie in under 5 minutes.

    She never over thought it and would often get a movie she had seen before.

    Me, on the other hand… 

    I would take as long as my parents would allow.Walking down each aisle, picking up several movies.

    I would then find myself a spot in the store.Layout all the movies I had picked up and start comparing them.

    I would then ask the staff at the store which one they would pick from my selection.

    I had to get this down to one option, and I wanted to ensure I made the right choice.

    It was my weekend viewing at stake here.

    I’m pretty sure it drove my parents and sister nuts waiting for me to pick a movie.They would often make threats to leave me at the store.

    But here is the thing that I find interesting.

    My sister often picked dud movies and hated them.She would often ask our parents to go back and change.

    I rarely picked a loser because I put the time into researching and making a good decision.

    That story sums up how I approach business today.I’m very calculated and strategic.

    And it has served me well.

    Pressing on!

    This week's podcast is a little bit different.As it’s an episode in which I was a guest on the James Schramko podcast.

    James and I went back and forth on sharing our experiences from both selling businesses and setting businesses up for cash flow.

    The conversation brought out the pros and cons of each and why we are both focused on cash flow today.

    You can see we both put a lot of thought and intention into the businesses and business models we have today.

    We didn’t pick them by whim like my sister in the video store.

    I hope this podcast lets you be more strategic and intentional about your business.

    Episode Highlights:

    00:00 Welcome to Business and Investing2:43 What is a full stack business owner?4:20 Building a business to sell versus building a business for cash flow12:43 Why having an objective is a great head start in building a business?16:32 Is it profitable to sell your personal business brand?19:44 Can you build a business to sell that has great cash flow?22:05 Pros and cons of selling a business26:25 The skills involved in selling a business31:11 What are some business models that are more suited to sell?34:31 What’s the importance of knowing your numbers in selling a business?39:40 Reasons why you need to make a plan before selling your business

    If you enjoyed this episode, be sure to subscribe, tune in and share this podcast! Resources:

    ○ Business and Investing website: https://www.businessandinvesting.com/○ James Schramko website: https://www.jamesschramko.com/ ○ F E International website: https://feinternational.com/ ○ Built to Sell: Creating a Business That Can Thrive Without You: https://www.amazon.com/Built-Sell-Creating-Business-Without-ebook/dp/B004IYISQW○ Master the ART OF NEGOTIATION and WIN Any Exchange: https://www.youtube.com/watch?v=TllU5IXAP40 ○ John Warrillow: https://ca.linkedin.com/in/johnwarrillow About the Guest: 

    James Schramko is a highly sought-after business coach and the founder of SuperFastBusiness, who has a unique vision that shaped his digital marketing business into a success. 

    James is also the author of the best-selling book, "Work Less, Make More."

    To connect with James, head over to: https://www.jamesschramko.com/Subscribe: 

    ○ Subscribe on Youtube: https://www.youtube.com/@businessandinvesting○ Subscribe on Apple Podcast: https://podcasts.apple.com/au/podcast/business-investing/id1607453342Connect with Business and Investing: 

    ○ Join the Business and Investing Community: https://www.facebook.com/groups/440140397804480○ Follow us on Facebook: https://www.facebook.com/businessandinvestingcom○ Follow us on Instagram: https://www.instagram.com/businessan

    • 42 min
    How I Bought My Happiness

    How I Bought My Happiness

    For many years I worked my face off in business.7 days a week and always on.

    I was eating glass and grinding towards financial success.It was suffering, and I was miserable doing it.

    To give you an example, I refused to drive a car.

    I would get an Uber or have Bianca (my wife) drive everywhere so I could be on my phone doing emails and calls.

    The idea of wasting time commuting when I could be working more seemed insane to me!

    I would say ‘no’ to any social events or holidays as, once again, that was time I could be working! 

    I did it because I convinced myself that once I have money, then I’ll be happy.

    Like, I knew money wouldn’t buy me happiness directly.But I thought it was a critical foundation.

    It was the base that my happiness would be built on.

    My plan:Step 1 = make moneyStep 2 = build happiness on top Step 3 = amazing life with no problems 😂

    Bulletproof right?

    For some odd reason, I also took pride in how much I could suffer in business.The sacrifice and pain I was willing to make to provide for my family.

    I was also very good at hiding just how unhappy I was from others. 

    But eventually, after years of grinding, I hit my financial goal.(yay!)

    However, I realised quickly that shifting from that grind mode into being a happier person was not going to come naturally or easily for me.

    After years of grinding, I was wired to be unhappy.

    On the days I could have off to enjoy life, I felt guilty for not working.

    I had made all my habits, behaviours and thoughts about grinding and making money, not being happy.

    I didn't know how to be happy anymore or even what it felt like.

    And then one day, it suddenly occurred to me…Surely, I wasn't the first person to have this experience?

    I couldn’t have been the odd one out.

    So, like any reasonable person trying to solve a problem…I hit YouTube, of course.

    I went down an endless spiral of YouTube videos about happiness and eventually found one by Naval Ravikant. 

    Naval is a guy who I respected immensely for his business achievements.

    I couldn’t believe he had made a guide on happiness.I ended up watching the video several times.

    The key point:

    Happiness is a skill that can be learnt.It is no different than learning to ride a bike.

    What annoys me to this day is that when I look back on those years of grinding.

    I could have been happy that entire time but I chose to be unhappy.

    It's possible to work your face off and be happy.It's possible not to work hard and be unhappy.

    It's not a binary option.

    And I'm sure you have seen plenty of examples across your life, just as I have!

    I lost years of my life that I can never get back, being unhappy.And you don't need to do the same.

    So, on this week’s podcast, Grant and I discuss happiness.

    More specifically, we share the strategies and tactics we use to live happier lives.

    Swipe and deploy what has worked for us and bring it into your own life.You can always go back to being unhappy if you don't like it 😛

    Episode Highlights:

    00:00 Welcome to Business and Investing02:07 Do businesses always have to be hard and challenging?07:05 Charley’s epiphany on happiness09:37 Grant and his seemingly happy life15:19 Does being happy mean avoiding things that make you unhappy?18:49 How do you interpret happiness?19:51 Does your health affect your emotional state?20:46 Unrealistic expectations and desires27:15 Be careful with the people you work with34:42 Happiness, employee retention, and increased profits37:28 Doing the stuff that you like with good people43:24 Increasing happiness outside your business51:03 Money and happiness

    If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!

    Resources:○ Business and Investing website: https://www.businessandinvesting.com/

    Subscribe: ○ Subscribe on Youtube: https://www.youtube.com/@businessandinvesting○ Subscribe on Apple Podcast: https://podcasts.apple.com/au/podcast/business-investing/id1607453342

    Connect wi

    • 55 min
    Is Superannuation A Terrible Idea For Business Owners? With Ray Regmi

    Is Superannuation A Terrible Idea For Business Owners? With Ray Regmi

    There is someone in my life that I care about a lot.

    He has worked hard his entire life and put everything into providing a great life for their family.Often at the expense of himself.He is getting to that age in which it is time to retire as he has some health issues developing and just doesn't have the energy he used to.

    However, now, in his late 60’s, he can’t retire.

    It's not an option.Through poor planning and never putting anything into super, he is not in a position to.

    In these golden years, when he would love to spend more time with his Grandkids and play golf with his friends, he is still slogging it out in business.

    And hating it…

    Wouldn’t you?

    Having to slog it out in business to maintain your lifestyle after 40+ years in business not because you want to but because you have to.

    Anyhow, 

    Not too long ago, I asked him.

    “why didn’t you put money into superannuation or other retirement investments?”

    A topic he hates talking about because of his situation.

    He replied

    “I never thought I would need it, and I didn't understand the massive tax benefits.”

    “If I could go back in time, I would plan for my retirement very differently.”

    As he spoke, he looked me dead in the eyes, and it hit me hard.

    I knew as he said it, he was telling me not to make the same mistake.

    Like many before him, he thought his business would have provided a better result for him in retirement, and so he never built a plan B.

    That conversation hit me heavily and has had an impact on my own retirement planning.

    Anyhow, 

    This week on the podcast, we have Ray, our resident financial advisor, on to talk about superannuation.

    I wanted to bring Ray on the show to break down how super works and its many advantages and disadvantages.

    I suspect many business owners don’t understand its power, and that’s why they choose to ignore it.

    Episode Highlights:

    00:00 Welcome to Business and Investing1:56 Who is Ray Regmi?2:15 What is Superannuation? 3:51 How can we think about Super in a better way?  8:12  Downsides of superannuation contributions10:54 Why is superannuation contribution a tax structure?12:04 Increasing your assets and retirement income using Super17:49 Good tax strategies in superannuation19:26 Super as a phenomenal opportunity to business owners21:52 How insurance can be in your super?24:27 The difference between a self-managed fund and a general super fund30:43 How to leverage your self-managed super funds (SMSF)? 31:27 What are the types of self-managed super funds (SMSF) that are more suited to business owners?34:25 What to consider when choosing a super fund?37:46 Is it easy to change the type of your super fund?39:40 Why you should not invest all your assets in a super fund?If you enjoyed this episode, be sure to subscribe, tune in and share this podcast!

    Resources:○ Business and Investing website: https://www.businessandinvesting.com/○ Business and Investing partners: https://www.businessandinvesting.com/partners

    About the Guest: Ray Regmi is the Senior Financial Adviser and Principle of Ryker Capital (AFSL: 243313). They offer services to Australian business owners who are looking to reach financial independence and create true wealth.With a team of degree-qualified professionals who have a collective of decades of experience, they can provide you with expertise in wealth creation, self-managed super funds, risk insurance, retirement planning and more.

    To connect with Ray and the Ryker Capital Team, head over to: https://businessandinvesting.com/partners/ryker-capital/

    Subscribe: 

    ○ Subscribe on Youtube: https://www.youtube.com/@businessandinvesting○ Subscribe on Apple Podcast: https://podcasts.apple.com/au/podcast/business-investing/id1607453342

    Connect with Business and Investing:○ Join the Business and Investing Community: https://www.facebook.com/groups/440140397804480○ Follow us on Facebook: https://www.facebook.com/businessandinvestingcom○ Follow us on Instagra

    • 41 min

Customer Reviews

4.7 out of 5
14 Ratings

14 Ratings

Axel Feldt ,

Great podcast and highly relevant!!

I am a long term property investor and really enjoy the Asset Blocks podcast. The guys present relevant topics and explain the key concepts in a comprehensive and accessible way. Well done guys and keep up the good work.

Madmelbourne ,

Sooooo needed!

When you run a business, managing your money is different. If you live in Australia, it’s different. 👍👏👌

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