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.

Thinking about financing your next car? We break down the real cost of car loans and why they could be one of the biggest threats to your long-term wealth. We compare the impact of car debt vs. property debt and explore smarter strategies that could save you hundreds of thousands (or even make you millions) in the long run.

On this episode, we discuss:

(00:00) Intro
(00:55) Are Car Loans Destroying Wealth?
(06:29) How Car Loans Reduce Home Buying Power
(09:59) How Holding Onto Car Loans Could Cost You Over $1 Million in Long-Term Property Growth
(12:00) The Shift From Emotional To Strategic Car Buying And Why No-Debt Is His Rule
(15:26) How Branding And Culture Can Push Us Into Over Leveraging On Vehicles
(16:42) Nicks Take On What Retirees Actually Value
(17:37) The Hidden Cost Of Constantly Upgrading Your Car
(19:45) Tips For Smarter Car Buying
(23:40) When Does A Car Loan Make Sense?

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.

What happens if you die without a will? We get into the real-life consequences of not having your estate plan sorted -family fallouts, lost inheritances, and fortunes in limbo. We go through what makes a valid will, how to get one done properly, and why putting one in place now could save your loved ones years of pain later.

On this episode, we discuss:

(00:00) Intro
(00:48) Why Most People Put Off Making a Will
(02:57) A Real-Life Family Fallout Over a Will Change
(06:38) $3M Estate Dwindled Down By Legal Fees
(08:20) What Actually Goes Into a Will?
(10:58) Capital Gains Tax & Inheritance, What Happens with Shares, Property, and Tax When Someone Dies
(13:45) Why a DIY Will Could Cost You Everything
(15:23) Dealing with State Trustees
(17:32) When No Will Could Mean the Wrong Person Gets the Money
(19:05) Life Insurance vs. Will
(21:52) Inheriting Property with a Mortgage: What Happens Next?

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 a hunter or a farmer when it comes to business and sales? In this episode, we break down two sales styles—hunters who chase new deals and farmers who nurture and grow existing clients—and why both are essential for a thriving business. We share real-world examples from accounting, financial planning, and mortgage broking, plus insights on hiring, training, and balancing your team for maximum growth and long-term success.

On this episode, we discuss:

(00:00) Intro
(02:12) Hunters vs. Farmers Explained – The key sales styles that drive business success
(04:37) Are You a Hunter or a Farmer? Nick, Jason, and Marty break down their sales styles
(08:38) Why Every Business Needs Both Hunters & Farmers
(09:05) The Biggest Mistake in Sales Hiring, How choosing the wrong role can hurt your business
(13:15) How Great Farmers Generate Referrals – The power of strong client relationships
(14:35) Can You Train a Hunter to Be a Farmer? The challenge of shifting sales mindsets
(16:21) Why Retaining Clients Is More Profitable Than Finding New Ones
(20:07) The Best Sales Approach for Mortgage Brokers & Accountants
(22:58) How Sales Leaders Build Winning Teams – Role-specific hiring and training strategies
(26:53) The Key to Business Growth: Value-Driven Selling

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 much do you need to retire, and are you on track to get there? We break down the simple formula to calculate your retirement number, the power of tracking your net worth, how to do it, and the key financial habits that will set you up for long-term success. Whether you're in your 20s, 40s, or nearing retirement, this episode will help you take control of your financial future.

On this episode, we discuss:

(00:00) Intro
(00:28) How Much Do You Need to Retire?
(01:02) Understanding Retirement Goals
(02:42) Personal Retirement Plans
(04:57) Calculating Retirement Needs
(07:09) Tracking Net Worth
(08:41) Financial Planning and Budgeting
(15:36) Balancing Lifestyle and Financial Goals
(28:26) Business and Retirement Strategy

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.

Should Australia raise the GST and lower income tax? Today, we dive into one of the most controversial tax reform ideas, exploring how increasing GST while cutting income tax could simplify the system, boost business, and create a fairer economy. We compare Australia’s tax system to other countries, discuss capital gains tax, corporate tax loopholes, and economic impacts, and break down why no politician is willing to touch this topic. Is it time for a change? Let’s debate!

(00:00) Intro
(0:40) Should We Raise GST? The Big Debate Begins
(04:01) Higher GST, Lower Income Tax – Would It Work?
(05:58) Capital Gains Tax & Property Prices – What Needs to Change?
(08:48) The Real Reason Big Businesses Pay Little to No Tax
(10:44) How Australia’s Tax System Compares to Other Countries
(11:59) The Surprising Tax Rates in the UK, Germany & France
(16:08) Why No Politician Will Touch GST Reform
(18:51) Could Tax Simplification Boost the Economy?
(20:14) The Real Reason Australian Property Prices Are Skyrocketing
(22:51) Would Raising GST Cause Inflation to Spiral?
(24:32) Is This the Only Way to Fix Australia’s Broken Tax System?

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 stand out in a crowded industry and “murder the competition”? Today, we break down the wild success of Liquid Death, the canned water brand that turned a boring product into a billion-dollar business with edgy marketing and cult-like branding. We explore how bold branding, niche positioning, and creative marketing can apply to any business—even in industries like finance, accounting, and mortgage broking. If you’re looking for ways to make your business unforgettable, this one’s for you!

On this episode, we discuss:

(00:00) Intro
(01:00) Liquid Death and The Power of Bold Branding
(02:22) Backlash and Attention on Liquid Death's Branding
(03:51) Looking at Liquid Death's Financials
(05:25) Death Gin and Creative Naming in Business
(07:54) Extreme Sports and Branding: Red Bull vs. Monster
(09:42) Alternative Marketing Tactics
(12:00) Standing Out in Professional Services
(15:24) Risk and Reward in Niche Branding
(19:00) Creating a Unique Point of Difference in Finance

Videos mentioned in the episode:

https://youtu.be/11bIc363B5U - Liquid Death Story
https://dai.ly/x9du4nu - Superbowl Ad
https://youtu.be/tubgk9IYFHs?si=BK0uU5xbbxdn2jtr – Sparkling Water Hot Tub
https://youtu.be/11bIc363B5U - Golf UROClub

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.