The Finance Show With Joe

It's Simple Finance

Why should finance be boring? Joseph and Michael cut through the jargon by talking property, money, and entrepreneurship with real stories, laughs, and special guests.New episodes released every fortnight! Follow us on our pages;www.itssimple.com.auInstagram: @itssimplefinanceInstagram: @thefinanceshowwithjoeLinkedin: www.linkedin.com/company/itssimple 

  1. MAR 26

    Your Buyer's Agent Might Be Working Against You. Here's How to Know

    The 5% deposit sounds like a win… until you realise a small mistake on suburb choice, timing, or holding costs can leave you owing more than the property is worth. We sit down with Nick Khzouz, a buyer’s agent (and former lawyer and banker) from B Money Property Group, to unpack the real-world risks behind low-deposit buying, refinancing, and trying to leapfrog into your next property. If you’ve been watching the Australian property market and wondering whether the First Home Guarantee is helping or hurting, this chat gets specific fast. We get practical on what to look for before you buy: stock on market trends, supply saturation, land constraints, and why days on market can be one of the simplest demand indicators to track. Nick also breaks down return on capital versus return on investment, why some investors grow faster with the same cash, and how strategies like interest-only lending and negative gearing (with proper accountant advice) fit into the bigger picture of serviceability and risk. Then we go straight into the messy stuff people whisper about: off the plan property deals, hidden incentives, “rebates”, and why conflict of interest is the line that separates an advocate from a salesperson. We share horror stories, talk transparency reforms like a conflict register, and run through how we assess a buyer’s budget, time horizon, goals, and when they want to extract equity. We also touch on areas we’re watching across Sydney, Newcastle, and parts of Victoria, plus why policy changes can push eager first home buyers into repayments they can’t comfortably carry. This episode is for informational purposes only and does not constitute financial, legal, or tax advice. Please consider your personal circumstances and consult a licensed professional before making any financial decisions. Follow us for more property news and mortgage advice!  ▸Website - https://itssimple.com.au ▸Instagram -  https://www.instagram.com/itssimplefinance/ ▸Facebook -  https://www.facebook.com/itssimplefinance/ ▸LinkedIn - https://www.linkedin.com/company/itssimple/ DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

    46 min
  2. MAR 11

    Most Small Business Owners Are Paying Too Much Tax

    A single conversation at 15 changed everything. Davie Mach chose accounting to pull his family out of debt, started a firm at 26, and built it to 40 people by doing one thing most advisers avoid: telling small business owners the whole truth about money, structure, and risk.  Davey breaks down the difference between reactive, textbook accounting and proactive, real-time advice powered by cloud tools and AI without losing the human touch. We map the structures that matter in Australia: when a company beats a trust, how a family trust can hold shares for asset protection, why SMSFs are for long-term assets, and where bucket companies and intercompany loans create tax efficiency without triggering Division 7A headaches. If you’ve ever wondered whether the CGT discount justifies holding assets in your own name, you’ll hear the long-game maths that many investors miss. With a wave of senior accountants retiring and government revenue pressure rising, small businesses face a tougher environment than ever. Enforcement is up, complexity is rising, and yet opportunities grow for owners who keep tight books, review quarterly, and structure for resilience.  If you run a business, invest in property, or simply want to pay less for better decisions, this episode is for you. Follow and subscribe, share this with a mate who owns a business, and leave a review so more Australians find practical, plain-English finance advice. Follow us for more property news and mortgage advice!  ▸Website - https://itssimple.com.au ▸Instagram -  https://www.instagram.com/itssimplefinance/ ▸Facebook -  https://www.facebook.com/itssimplefinance/ ▸LinkedIn - https://www.linkedin.com/company/itssimple/ DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

    52 min
  3. 10/01/2025

    From Engineer to Advocate: Steve Palise on Building Wealth with Data, Not Hype

    The biggest property gains often come from the most boring moves—and that’s exactly where Steve Palise thrives. We sit down with the engineer‑turned‑buyers’ advocate and author to dismantle catchy myths, unpack the fundamentals that actually drive returns, and show how to pick between residential, commercial, and development without getting lost in the hype. Steve shares how he scaled a buyers’ agency from overseas using deep-work blocks, SOPs, and a serious CRM, then channelled that structure into three practical books and a free 10‑hour course built to answer the questions everyone keeps asking. We dive into the numbers that matter: vacancy risk, lease quality, and realistic lender appetite. Steve explains why Perth and Brisbane have delivered strong net yields and tight industrial/retail vacancies while Sydney’s sub‑5% returns demand bigger cheques—and how those relative values shift as yields converge.  We break down ROI vs return on capital, the role of leverage in the early years, and why a “cash flow positive” badge means little without a decade‑long view of demand and rental growth. On the development front, Steve doesn’t sugarcoat it: margins have been squeezed, holding costs hurt, approvals take time, and banks want 15%+ profit on cost before they even listen. Small infill projects can work for the right operators, but the horror stories are real and avoidable only with proper feasibility. If you’re tired of “one true strategy” gurus, you’ll appreciate Steve’s approach: define the goal, set the time frame, map finance constraints, then choose the least risky path that still hits the target. Expect candid talk on postcode restrictions, specialised assets, valuation traps, and the unglamorous diligence that protects your downside.  Want more of the good stuff? Grab Steve’s free resources, then listen and tell us which market you’re eyeing next. If this helped, follow, share with a mate, and leave a quick review so more investors find facts over noise. Follow us for more property news and mortgage advice!  ▸Website - https://itssimple.com.au ▸Instagram -  https://www.instagram.com/itssimplefinance/ ▸Facebook -  https://www.facebook.com/itssimplefinance/ ▸LinkedIn - https://www.linkedin.com/company/itssimple/ DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

    52 min
  4. 09/17/2025

    Are Financial Planners Only For the Wealthy?

    Think financial planners are only for the wealthy? Ray Regmi and Malissa Vargas from Ryker Capital don't think so, revealing why financial advice might be most valuable for everyday Australians. Ray, with 21 years in financial services, and Malissa, with 32 years in lending, share powerful insights about the transformative impact of good financial planning. They explain why waiting until you're wealthy to seek advice is like saying "I need to be fit before I go to the gym" – completely backward!  Joe explores the critical differences between financial planning and accounting, with planners focusing on future strategies while accountants reconcile the past. Ray and Malissa highlight how innovative approaches like the "cash out and re-contribute" superannuation strategy can save beneficiaries up to $300,000 in taxes. This is knowledge most people simply don't have access to without professional guidance.  Perhaps most valuable is their insight into creating a financial ecosystem where advisors, accountants, and brokers collaborate to maximise client outcomes. This comprehensive approach protects against government policy changes while ensuring all aspects of your financial health are optimised. Whether you're struggling with debt, uncertain about retirement, or simply wanting to make better use of your income, this episode proves that financial planning isn't a luxury, it's an essential resource for building the future you deserve.  Follow us for more property news and mortgage advice!  ▸Website - https://itssimple.com.au ▸Instagram -  https://www.instagram.com/itssimplefinance/ ▸Facebook -  https://www.facebook.com/itssimplefinance/ ▸LinkedIn - https://www.linkedin.com/company/itssimple/ DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

    46 min

About

Why should finance be boring? Joseph and Michael cut through the jargon by talking property, money, and entrepreneurship with real stories, laughs, and special guests.New episodes released every fortnight! Follow us on our pages;www.itssimple.com.auInstagram: @itssimplefinanceInstagram: @thefinanceshowwithjoeLinkedin: www.linkedin.com/company/itssimple 

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