The Finance Bible

Zeke Guenthroth and Oscar Don
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The Finance Bible podcast is your ultimate resource for financial freedom, personal growth, and business success. Hosted by Zeke Guenthroth and Oscar Don, this podcast is designed to help you achieve your goals through actionable insights, expert advice, and practical strategies. Each week, we bring you fresh episodes packed with valuable tips on a wide range of topics, including investing, property investment, saving, budgeting, shares, cryptocurrency, inflation, interest rates, wealth building, and debt management. But that’s not all—we also dive deep into personal growth strategies and business success tips, helping you develop the mindset and skills needed to thrive in every area of your life. Whether you’re just starting your financial journey, working to grow your business, or striving to improve personally, The Finance Bible equips you with the tools to create lasting success. It’s more than a podcast—it’s your guide to building a better future. DISCLAIMER:The information provided in this podcast is general in nature and does not constitute personal financial advice. It does not take into account your individual objectives, financial situation, or needs. Always consider whether the information is appropriate to your circumstances and seek advice from a qualified professional if needed. 🔗 Visit us online for more resources and insights #FinancePodcast #MoneyMatters #PersonalGrowth #BusinessSuccess #InvestingTips #FinancialFreedom #WealthBuilding #FinancialLiteracy #BudgetingTips #StockMarketInsights #DebtFreeLiving #CryptoInvesting #PropertyInvestment #SmallBusinessAdvice #RetirementPlanning #SuccessMindset

  1. 17h ago

    You Can Save Thousands With Four Calls

    Your biggest raise this year might come from a 15-minute phone call. We’re talking about the “loyalty tax” banks quietly charge existing mortgage customers, and how a small rate drop can put real money back into your budget year after year. We walk through the exact approach: who to ask for (hint: retention), what to say in one sentence, and the two key decisions to make once the rate moves. From there, we get practical about “free money” moves that don’t require earning more. We break down how an offset account works, why it can beat a savings account after tax, and what to check so you don’t get stuck with a partial offset or a fee that cancels the benefit. Then we run a simple bill audit across insurance, energy, phone, and internet and explain how to compare like-for-like so you don’t save $200 only to lose cover you actually need. We also go hunting for the sneaky stuff: streaming subscriptions you stopped watching, free trials that converted, credit card annual fees that don’t pay for themselves, and bank fees you shouldn’t be paying in 2026. We finish with honest food math (keep lunch, just buy it less), easy grocery rules that cut impulse spending, and automation tactics like round-ups and post-payday transfers that keep the savings from leaking back out. If you own an investment property, we explain why a depreciation schedule can be one of the most valuable tax deduction tools you’re missing. If you get value from this, follow the show, share it with a friend who hasn’t reviewed their rate lately, and leave a quick review so more people can stop overpaying. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @zekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

  2. 3d ago

    OD #24 - The Power Of Leverage

    Put $100,000 into shares and an 8% rise gives you $8,000. Put that same $100,000 down on a $600,000 property and an 8% rise creates a $48,000 gain. That simple comparison explains why leverage is the most powerful wealth-building tool many everyday Australians ever touch, and also why it can get dangerous fast. We walk through the real mechanics of property leverage step by step: how a bank loan lets you control a larger asset, why the bank will lend against residential real estate far more readily than a share portfolio, and how time in the market plus principal paydown can snowball your equity. We also unpack the “usable equity” idea behind the buy, wait, refinance approach, and why it can feel like the second and third properties get easier once the first one starts doing the heavy lifting. Then we flip it around and show the part that gets skipped on social media. A 10% fall can wipe out a huge chunk of your equity, selling costs can sting, and negative equity can trap you with no ability to refinance or exit. We talk cash flow reality, why portfolios often fail in a bad quarter, and what changed recently in lending: APRA’s serviceability buffer, the February debt-to-income cap, and how a higher rate environment hits leverage from three directions at once. If you’re building a property portfolio for retirement, this is the grounded framework: know your ceiling, buy fewer but better, protect your cash flow buffer, and stop treating equity like money. Subscribe, share the episode with someone planning to buy, and leave a quick review so more people learn the rules before they learn the hard way. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @zekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

  3. 5d ago

    OD #23 - What To Do Before You Buy Your First Property

    You can save a deposit, scroll listings every weekend, and still be wildly unprepared to buy property. We get into the part nobody posts on Instagram: the planning that happens before you look at a single listing, and how that prep decides whether your first home purchase or investment property becomes a stepping stone or a decade-long regret. We start with the real first question: what are you actually trying to achieve? A first home buyer optimizing for lifestyle, commute, and schools should make different choices than an investor optimizing for rental yield, vacancy rates, infrastructure, and long-term growth. We also unpack why mixing “dream home” emotions with investment logic is a common way people overpay for a property that underperforms. From there, we break down the true cost of buying a property beyond the deposit, including stamp duty, potential LMI, conveyancing, building and pest inspections, loan fees, and the cash buffer you need after settlement. We then hit the sneaky borrowing capacity issues that trip people up: lenders assessing credit cards by limit (not balance), the impact of buy now pay later, how car finance and personal loans can shrink what you can borrow, and what three to six months of bank statements say about your spending. We close with the smartest timing for speaking to a mortgage broker, what pre-approval really means, and the structural decisions that are cheap to get right early but expensive to change later. If you want a practical property buying checklist that helps you move with confidence, subscribe, share this with a friend, and leave a review so more first-time buyers can avoid the costly mistakes. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @zekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

  4. Sep 8

    OD #- 22 How to Spot a Market Before It's a Story

    Perth’s biggest property buying opportunity showed up when the headlines were the most negative and that’s not an accident. Oscar walks through the real numbers behind Perth’s slide after the mining boom, the long stretch of falling prices, and the quiet shift that set up one of Australia’s strongest housing market rebounds. The punchline is simple: the city didn’t suddenly change, the news cycle did, and if you rely on media coverage to time a market you’re often years late.  We dig into why that lag happens, from property data being reported well after the deals are done, to the media needing big, emotional moves to earn clicks, to the way momentum typically runs for two to three years. Along the way we compare today’s capital city medians and talk about why Sydney and Melbourne can look terrible in press while other markets cool under the surface. The goal isn’t to “ignore the news,” but to treat headlines as a lagging indicator and build your own simple dashboard.  To make that practical, we lay out five boring numbers that can actually make you money: the supply pipeline (approvals and construction), listings and vacancy rates, whether the local economy depends on one industry or many, net interstate migration, and funded infrastructure and government spending. We also cover the risks of one-industry towns, why cheap can stay cheap, and how being early can beat being “right” at the same time as everyone else. If you want a clearer way to analyze Australian real estate markets without hype, hit play, then subscribe, share, and leave a review with the city you think the media is getting wrong. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @zekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

  5. Sep 7

    OD #21 - What Everyone's Got Wrong About the 2026 Property Changes

    Negative gearing is “gone” is the loudest headline, and it is also the fastest way to make a bad decision. We sit down and sort the facts from the noise around the 2026 property tax changes and what flows into 2027, including who is actually affected, which investors are grandfathered, and why the definition of a “new build” matters more than most people realize. We walk through the new negative gearing rules for residential property, how quarantining rental losses changes cash flow, and what kinds of developments may still qualify for full tax treatment. Then we unpack the capital gains tax shake-up: moving away from the 50% CGT discount toward cost base indexation plus a minimum tax rate, and why inflation and your holding period can flip the result from better to worse. If you are thinking about selling, holding, or buying again, the math has changed and timing now matters. We also cover the SMSF bombshell: self managed super funds can still own residential property, but new limited recourse borrowing arrangements for residential purchases are off the table. That pushes many investors toward paying cash inside super or considering commercial property, which remains borrowable but demands careful tenant and location due diligence. Our bottom line is simple: tax rules change, but great property investing still comes down to fundamentals, not chasing deductions. If this helped, follow the show, share it with a friend who is confused about the new rules, and leave a review so more investors can find clear guidance. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @zekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

  6. May 19

    #108 - Stop Buying Properties To Lose Money

    *Please note, this episode was recorded before the 2026 Federal Budget. Negative gearing gets sold as a cheat code, but what if it’s just a fancy way to normalise losing money? Zeke and Oscar get real about the negative gearing vs positive gearing debate and why most people arguing online don’t understand what they’re actually signing up for. We talk cash flow, tax deductions, and the difference between a strategy that looks good “on paper” and a deal that feels good every week.  We break down the basics in plain English: negative gearing means your rent is lower than your expenses, so you run at a loss that can reduce your taxable income. Positive gearing means your rent covers the costs and you keep profit, which can increase your taxable income. Then we dig into the nuance most investors miss, like how depreciation and other costs can still create tax advantages even when the property is neutral or cash flow positive. The goal isn’t to worship one label, it’s to buy a property that makes sense before tax and doesn’t wreck your budget.  From there, we go deeper into real-world property investing strategy: serviceability, borrowing power, and why cash flow can help you scale from one investment property to the next faster. We also challenge the myth that high rental yield means you must give up capital growth, and we walk through the long-term view where retirement income from rent can matter just as much as the final sale price. We wrap with a reminder that location selection is everything, and that future policy changes could make “tax-first” plans riskier than people think.  If you want a clear, practical take on building wealth through real estate investing without getting trapped by bad math, hit play. Subscribe to the Finance Bible Podcast, share this with someone debating gearing, and leave a review with your take: are you team cash flow, team growth, or both? Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @zekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

  7. May 13

    OD #20 - The budget that was supposed to save young Aussies .... but didn't

    They called it the most ambitious budget in decades and framed it as a win for young Australians, but when we read the fine print, the housing story gets uncomfortable fast. Oscar goes solo to unpack the 2026 Australian federal budget and what it means for anyone under 35 trying to buy a first home, get financially stable, or even just keep up with rent.  We walk through the two big levers: negative gearing being restricted to new homes and the capital gains tax shake-up that replaces the 50% CGT discount with a new approach to taxing real gains for newly purchased assets, with a minimum 30% rate. On paper, it sounds like it should cool investor demand and help first home buyers. In practice, the grandfathering rules mean existing investors keep many of the best benefits, while new buyers face the changed settings. We also talk through why many Australians are wary of new builds and off-the-plan purchases, which complicates the government’s push toward construction.  Then we zoom out to the real-world pressure cooker: inflation running hot, repeated interest rate hikes, and how even a small rate move can wreck borrowing capacity for first-time buyers. Most importantly, we dig into the second-order effects people ignore, especially the risk that rents rise when established property becomes less attractive to investors and rental supply tightens. Finally, we call out what’s missing from the budget if the goal is true housing affordability: more housing supply, better zoning, faster approvals, and stamp duty reform.  If you’re trying to make sense of the Australian property market right now, listen through, share it with a mate, and leave a review so more people can find the show. What do you think this budget changes for you? Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @zekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

  8. Apr 19

    #107 - The Hidden Costs of Buying an Investment Property (No One Talks About This)

    Most people budget for a deposit and a loan, then act shocked when property investing gets expensive. We’ve just been traveling between markets and seeing the same pattern with buyers again and again: the purchase price is only the beginning, and the “small” line items are what break cash flow. So we lay out the true cost of buying an investment property in Australia in plain English, with real ranges and the exact categories you should be modelling before you sign a contract. We walk through the big upfront costs that first-time investors miss, starting with stamp duty and why the structure of the purchase can change what you pay. We also cover legal and conveyancing fees, plus why a strong contract review can protect you from nasty surprises. Then we get into one of the highest ROI steps you can take on an established home: the building and pest inspection, not just for risk reduction but also for negotiating the purchase price and getting repairs handled properly. From there we zoom into lending: application and valuation fees, and lender’s mortgage insurance (LMI) when you borrow above an 80% LVR. We explain why LMI isn’t automatically a dealbreaker, but why you have to stress test your numbers with buffers and higher rates. Finally, we detail ongoing holding costs like property management fees, council rates, strata or body corporate, water charges, insurance, maintenance, and vacancy, because long-term wealth comes from holding great assets, not from guessing. If you’re serious about building a sustainable portfolio, skip the hotspot hype and run the math. Subscribe to the Finance Bible Podcast, share this with someone planning to buy, and leave us a review with the one cost you’ve been underestimating. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @zekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

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About

The Finance Bible podcast is your ultimate resource for financial freedom, personal growth, and business success. Hosted by Zeke Guenthroth and Oscar Don, this podcast is designed to help you achieve your goals through actionable insights, expert advice, and practical strategies. Each week, we bring you fresh episodes packed with valuable tips on a wide range of topics, including investing, property investment, saving, budgeting, shares, cryptocurrency, inflation, interest rates, wealth building, and debt management. But that’s not all—we also dive deep into personal growth strategies and business success tips, helping you develop the mindset and skills needed to thrive in every area of your life. Whether you’re just starting your financial journey, working to grow your business, or striving to improve personally, The Finance Bible equips you with the tools to create lasting success. It’s more than a podcast—it’s your guide to building a better future. DISCLAIMER:The information provided in this podcast is general in nature and does not constitute personal financial advice. It does not take into account your individual objectives, financial situation, or needs. Always consider whether the information is appropriate to your circumstances and seek advice from a qualified professional if needed. 🔗 Visit us online for more resources and insights #FinancePodcast #MoneyMatters #PersonalGrowth #BusinessSuccess #InvestingTips #FinancialFreedom #WealthBuilding #FinancialLiteracy #BudgetingTips #StockMarketInsights #DebtFreeLiving #CryptoInvesting #PropertyInvestment #SmallBusinessAdvice #RetirementPlanning #SuccessMindset

Information

  • Creator
    Zeke Guenthroth and Oscar Don
  • Years Active
    2021 - 2026
  • Episodes
    143
  • Rating
    Clean
  • Copyright
    © 2026 The Finance Bible
  • Show Website
    The Finance Bible