In this episode, Jacob Fahmy sits down with Rachel Carey for a raw conversation about the stress of building a business, raising kids, burnout, pressure, leadership and what it really takes to keep going when everything is on your shoulders.Rachel shares how she started her first NDIS business while coming off maternity leave, working from home with trestle tables in the lounge room, two young children in the house, and a small team helping build what eventually became a group of six businesses.She talks about working 16 to 20 hour days, building over 40 residential services across New South Wales, dealing with pressure, navigating ADHD, surviving burnout, and learning that “thriving under pressure” was sometimes just surviving at the expense of her own health.Rachel also opens up about her personal story, including overcoming addiction, finding purpose through disability support work, and using lived experience to build something meaningful for the community.This episode covers:Business stressStarting a business with young kidsBurnout and pressureWorking 16 to 20 hour daysBuilding multiple businessesADHD and leadershipHiring smarter peopleLetting go of controlImposter syndromeMentors, coaches and personal growthRachel Carey’s personal storyBuilding a life by designNeed an accountant?GET A FREE CONSULTATION FOR ALL ABN HOLDERShttps://forms.zohopublic.com/john205/...OUR SERVICEShttps://latitudeaccountants.com.au/ac...[email protected]  / latitudeaccountants  Instagram  / latitudeaccountants  YouTube   / @latitudeaccountants  LinkedIn  / latitude-accountants  Facebook  / latitudeaccountants  Websitehttps://latitudeaccountants.com.au/The Account Rant is a business and accounting podcast by Latitude Accountants.

Welcome back to The CEO Breakdown with John Saade.

This week, John breaks down what is happening in Australian property, tax, superannuation and housing policy.

Sydney and Melbourne auction markets are weakening, property prices are moving backwards, and John explains why Melbourne may be starting to look more interesting than the headlines suggest. While Sydney still has higher median values, Melbourne has been hit harder, and John looks at why investors should pay attention to fundamentals like rental yield, relative value and downside risk.

John also reacts to the growing political debate around allowing Australians to use superannuation to buy a home. It sounds helpful on the surface, but John explains why giving first home buyers more buying power may simply inflate property prices further and leave Australians with less retirement savings.

The episode also covers trust tax reform, the proposed 30 percent minimum tax on discretionary trust distributions, and the state stamp duty problem that could leave some small business owners and investors facing major restructure costs.

John also reacts to influencer commentary on PAYG instalments, CGT valuation planning for investment properties, and the rise of institutional money in the Australian housing market.

This episode covers:

Sydney and Melbourne property prices

Auction clearance rates

Melbourne vs Sydney investment fundamentals

Using super to buy a home

Why housing affordability needs supply side reform

Trust tax reform

Stamp duty and restructuring costs

CGT valuation planning before 30 June 2027

Institutional landlords and build to rent

Mum and dad investors vs big funds

Need an accountant?

GET A FREE CONSULTATION FOR ALL ABN HOLDERS

https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw

OUR SERVICES

https://latitudeaccountants.com.au/accounting-services/

[email protected]

TikTok

https://www.tiktok.com/@latitudeaccountants

Instagram

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YouTube

https://www.youtube.com/@LatitudeAccountants

LinkedIn

https://www.linkedin.com/company/latitude-accountants/

Facebook

https://www.facebook.com/latitudeaccountants/

Website

https://latitudeaccountants.com.au/

The CEO Breakdown is a weekly business, tax and finance show by Latitude Accountants, hosted by John Saade.

This content is general information only and does not constitute financial, legal, tax or property advice. Please speak with a qualified adviser about your own circumstances.

Chapters

00:00 Sydney, Melbourne, super and trust tax

00:37 Sydney and Melbourne auction markets weaken

01:38 Property values are losing steam

02:17 Could Sydney and Melbourne fall more than 10 percent?

03:14 The $9.15M Strathfield outlier

03:49 Sellers are going on strike

04:22 Melbourne property compared to Sydney

04:59 Why Melbourne may look interesting to investors

06:20 Should Australians use super to buy a home?

08:11 Why John still supports superannuation

09:19 Why super for housing may push prices higher

10:08 Why releasing super does not fix affordability

11:29 The strongest argument for using super

12:31 Trust tax reform and stamp duty pain

14:04 Why accountants may move clients out of trusts

15:15 The 30 percent trust tax and state stamp duty problem

17:19 Why stamp duty is a bad tax

19:18 Influencer reactions and PAYG instalments

23:48 The CGT valuation trap for property investors

27:54 Institutional landlords and build to rent

30:41 Mum and dad investors vs big institutions

32:19 Final thoughts

Welcome back to The CEO Breakdown with John Saade.

This week, John breaks down the biggest stories in Australian property, tax, finance and business.

Interest rates are on hold, but the RBA has made it clear more hikes are still possible. John explains why mortgage holders may have some relief, but why this is not the all clear just yet.

He also reacts to 40 year mortgages entering the Australian market, and why a smaller monthly repayment could come with a massive long term cost.

John looks at the latest Cotality housing charts, including what a 5 percent, 10 percent, 15 percent or 20 percent property decline could mean for major capital city markets, especially Sydney and Melbourne.

He also covers the rise of ETF investing as property slows, whether super funds and institutions entering build to rent could change the future of Australian housing, and why family taxation in Australia may be unfair to single income households.

To finish, John runs through the Australian tax fraud tier list, ranking everything from fake GST claims and phoenixing to dodgy donation claims, family holidays disguised as business trips, ordinary clothing claims, director loans and genuine deductions.

This episode covers:

Interest rates on hold

40 year mortgages

Property market declines

Sydney and Melbourne housing data

ETF inflows

Build to rent and super funds

Family tax fairness

Rich Australians paying no tax

Private ancillary funds

Australian tax fraud tier list

Need an accountant?

GET A FREE CONSULTATION FOR ALL ABN HOLDERS

https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw

OUR SERVICES

https://latitudeaccountants.com.au/accounting-services/

[email protected]

TikTok

https://www.tiktok.com/@latitudeaccountants

Instagram

https://www.instagram.com/latitudeaccountants/

YouTube

https://www.youtube.com/@LatitudeAccountants

LinkedIn

https://www.linkedin.com/company/latitude-accountants/

Facebook

https://www.facebook.com/latitudeaccountants/

Website

https://latitudeaccountants.com.au/

The CEO Breakdown is a weekly business, tax and finance show by Latitude Accountants, hosted by John Saade.

This content is general information only and does not constitute financial, legal or tax advice. Please speak with a qualified adviser about your own circumstances.

Welcome back to The Account Rant.In this episode, Jacob Fahmy sits down with Rachel Carey for a real conversation about the NDIS, the media, public perception and what it is actually like working inside an industry that has become one of the most debated topics in Australia.Rachel shares her experience in the NDIS space and discusses how media coverage, bad operators and constant scrutiny have impacted genuine providers, business owners, staff and families who rely on disability support services.Jacob and Rachel unpack why the NDIS conversation has become so heated, why people are quick to assume “NDIS” means dodgy business, and how that perception affects the people trying to do the right thing.They also discuss the pressure of running a business, managing stress, looking after your team, balancing work and family, and why small business owners need to protect their health while building something meaningful.This is a conversation about NDIS, business, trust, media pressure, leadership, mental health and the reality behind the headlines.Connect with Rachel CareyRachel Carey Websitehttps://www.rachelcarey.au/What Are We Drinking? w/ Rachel Carey Podcasthttps://www.youtube.com/@UCCoPPNW50WqjAR0lErxjEwQ Rachel Carey Instagramhttps://www.instagram.com/officialrachelcarey/Rachel Carey LinkedInhttps://www.linkedin.com/in/rachel-carey-allara/Allara Support Serviceshttps://www.allarasupportservices.com.au/Need an accountant?GET A FREE CONSULTATION FOR ALL ABN HOLDERShttps://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwOUR SERVICEShttps://latitudeaccountants.com.au/accounting-services/[email protected]://www.tiktok.com/@latitudeaccountantsInstagramhttps://www.instagram.com/latitudeaccountants/YouTubehttps://www.youtube.com/@LatitudeAccountantsLinkedInhttps://www.linkedin.com/company/latitude-accountants/Facebookhttps://www.facebook.com/latitudeaccountants/Websitehttps://latitudeaccountants.com.au/The Account Rant is a business and tax podcast by Latitude Accountants, giving real conversations for Australian business owners, professionals and entrepreneurs.This content is general information only and does not constitute financial, legal or tax advice. Please speak with a qualified adviser about your own circumstances.

Welcome back to The Account Rant.In this episode, Patrick El Bitar and Michael Hirmiz talk through a simple question, what would you actually do if you suddenly won $10 million?The conversation starts with lotto winnings, windfall gains and whether $10 million is enough to change your life. Patrick explains how he would think about property, shares, ETFs, business, family and making the money work, while Michael pushes the harder question, how do you protect it?They unpack why keeping money is often harder than making it, why sudden wealth can disappear quickly, and why people who receive windfall gains need a plan before they start spending.Patrick and Michael also discuss lifestyle creep, investing in things you understand, helping family, estate planning, insurance, crypto, ATO debt, overdue tax returns, and why financial stress can have a real impact on mental health.This is a practical and honest conversation about money, sudden wealth, business, tax, planning and what accountants would actually do if they came into serious money.This is a hypothetical conversation only and general information, not financial advice. Speak to a licensed financial adviser, lawyer or tax adviser before making decisions about investments, super, insurance, estate planning or large sums of money.Need an accountant?GET A FREE CONSULTATION FOR ALL ABN HOLDERShttps://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwOUR SERVICEShttps://latitudeaccountants.com.au/accounting-services/[email protected]://www.tiktok.com/@latitudeaccountantsInstagramhttps://www.instagram.com/latitudeaccountants/YouTubehttps://www.youtube.com/@LatitudeAccountantsLinkedInhttps://www.linkedin.com/company/latitude-accountants/Facebookhttps://www.facebook.com/latitudeaccountants/Websitehttps://latitudeaccountants.com.au/Chapters:00:00 Keeping money is harder than making it00:33 What is a windfall gain?00:55 What Patrick would do with $10 million02:30 How do you protect the money?03:25 The first 90 days after winning04:29 Patrick’s passion project06:18 Would you invest it all at once?07:05 Would $10 million make you quit your job?07:57 Who would you tell if you won?08:40 Michael’s plan for $10 million10:15 Helping people fix overdue tax returns12:42 Why overdue tax can crush people13:15 Financial health and mental health14:41 Paying off someone’s ATO debt15:47 Why people lose windfall gains16:07 Lifestyle creep explained18:00 Why lotto winnings disappear18:47 Why advice matters after sudden wealth19:47 Final thoughts on windfall gains20:39 Crypto, FOMO and bad investment decisionsThe Account Rant is a business and tax podcast by Latitude Accountants, giving real conversations for Australian business owners, professionals and entrepreneurs.This content is general information only and does not constitute financial, legal or tax advice. Please speak with a qualified adviser about your own circumstances.

Welcome back to The Account Rant.

In this episode, Raymond Semaan and Catarina Santini discuss whether money equals happiness, success or freedom.

Ray and Cat unpack why money can make life easier, but does not automatically create fulfilment. They talk about the trap of constantly chasing the next milestone, why clients often define success as more time with family, working less hours, sleeping better or having less stress, rather than simply having more money in the bank.

They also discuss how to teach kids about money, why tap and pay makes it harder for children to understand spending, why cash can help younger kids see the value of money, and how simple family rules around saving can teach better financial habits early.

The conversation also covers career choices, high paying jobs, stress, work life balance, home loans, cost of living, credit cards, and why children need to understand how much life actually costs before they become adults.

This is a practical conversation for business owners, parents, families and anyone trying to build a healthier relationship with money.

Need an accountant?

GET A FREE CONSULTATION FOR ALL ABN HOLDERS

https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw

OUR SERVICES

https://latitudeaccountants.com.au/accounting-services/

[email protected]

TikTok

https://www.tiktok.com/@latitudeaccountants

Instagram

https://www.instagram.com/latitudeaccountants/

YouTube

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LinkedIn

https://www.linkedin.com/company/latitude-accountants/

Facebook

https://www.facebook.com/latitudeaccountants/

Website

https://latitudeaccountants.com.au/

Chapters:

00:00 Does money equal happiness?

00:35 What success actually looks like

01:10 Business goals, turnover and freedom

02:19 Why priorities change with age

02:49 Teaching kids the value of money

03:52 Why tap and pay makes money harder to understand

04:22 Cat’s savings rule for her kids

05:04 Helping kids understand real life costs

06:03 The cost of moving out

06:20 House prices across Australia

The Account Rant is a business and tax podcast by Latitude Accountants, giving real conversations for Australian business owners, professionals and entrepreneurs.

This content is general information only and does not constitute financial, legal or tax advice. Please speak with a qualified adviser about your own circumstances.

In this video, Jacob Fahmy breaks down the tax deductions Australians commonly claim in their tax return and the three golden rules you need to understand before claiming anything.

He covers work related car expenses, the cents per kilometre method, logbooks, travel expenses, uniforms and protective clothing, laundry, self education expenses, working from home, phone and internet, tools, subscriptions, professional fees, donations, accountant fees, personal super contributions and income protection insurance.

Jacob also explains the common mistakes people make, including claiming home to work travel, claiming ordinary work clothes, claiming education that does not connect to your current income, claiming work from home without records, and claiming super contributions without a valid notice of intent.

If you want to understand what you may be able to claim at tax time, this video gives you a practical overview of the main deduction labels and how to think about them properly.

Helpful links mentioned in this video:

ATO occupation and industry specific guides

https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/guides-for-occupations-and-industries/occupation-and-industry-specific-guides

ATO work related car expenses

https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/deductions-you-can-claim/vehicles-transport-and-travel-expenses/cars-transport-and-travel

ATO working from home expenses

https://www.ato.gov.au/individuals-and-families/income-deductions-offsets-and-records/deductions-you-can-claim/working-from-home-expenses

ABN Lookup, check deductible gift recipient status

https://abr.business.gov.au/Tools/DgrListing

ATO personal super contributions

https://www.ato.gov.au/individuals-and-families/super-for-individuals-and-families/super/growing-and-keeping-track-of-your-super/how-to-save-more-in-your-super/personal-super-contributions

Need an accountant?

GET A FREE CONSULTATION FOR ALL ABN HOLDERS

https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw

OUR SERVICES

https://latitudeaccountants.com.au/accounting-services/

[email protected]

TikTok

https://www.tiktok.com/@latitudeaccountants

Instagram

https://www.instagram.com/latitudeaccountants/

YouTube

https://www.youtube.com/@LatitudeAccountants

LinkedIn

https://www.linkedin.com/company/latitude-accountants/

Facebook

https://www.facebook.com/latitudeaccountants/

Website

https://latitudeaccountants.com.au/

Chapters:

00:00 How to get the best tax refund possible

00:23 The 3 golden rules for tax deductions

01:35 Motor vehicle expenses and work related travel

03:12 Cents per kilometre vs logbook method

04:24 Travel expenses for work

05:45 Clothing, uniforms and laundry

07:15 Self education expenses

08:25 Other work related expenses

08:48 Work from home, phone and internet claims

10:43 Depreciation and assets over $300

11:20 Professional fees, tools and subscriptions

12:09 Gifts and donations

12:54 Accountant fees and managing your tax affairs

13:27 Personal super contributions

14:05 Income protection insurance

14:29 ATO industry guides and what you can claim

15:19 Final tips before lodging your tax return

This content is general information only and does not constitute financial, legal or tax advice. Please speak with a qualified adviser about your own circumstances.

Welcome back to The Account Rant.

In this episode, Jacob Fahmy sits down with Amanda Rose for a blunt conversation about AI, business, media, leadership and how she actually works behind the scenes.

Amanda explains why she has serious concerns about AI, despite founding Women in AI Australia. Her issue is not using AI as a tool, it is who controls it, how much power sits with a small group of tech billionaires, the lack of transparency, the lack of protections, and the risk that everyday people, small businesses and women get left behind.

She also explains why AI should be used strategically, to improve efficiency, support your work and make your team’s life easier, not replace the people who actually understand the job.

Jacob and Amanda also discuss her work across Sunrise, 2GB, podcasting, speaking, business, Women Owned Business Australia, media appearances, introversion, Zoom etiquette, fake backgrounds and why she prefers honest conversations over polished nonsense.

This is a sharp and honest conversation about AI, work, business, media and staying human in a world moving very fast.

Need an accountant?

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https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw

Guest: Amanda Rose

CEO, Western Sydney Women

https://www.westernsydneywomen.com.au/

LinkedIn: https://au.linkedin.com/in/amandarose1

Instagram: https://www.instagram.com/missamandajrose/

OUR SERVICES

https://latitudeaccountants.com.au/accounting-services/

[email protected]

TikTok

https://www.tiktok.com/@latitudeaccountants

Instagram

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YouTube

https://www.youtube.com/@LatitudeAccountants

LinkedIn

https://www.linkedin.com/company/latitude-accountants/

Facebook

https://www.facebook.com/latitudeaccountants/

Website

https://latitudeaccountants.com.au/

The Account Rant is a business and tax podcast by Latitude Accountants, giving real conversations for Australian business owners, professionals and entrepreneurs.

This content is general information only and does not constitute financial, legal or tax advice. Please speak with a qualified adviser about your own circumstances.

Chapters:

00:00 Amanda Rose explains why she hates AI

02:18 Using AI strategically in business

02:55 Amanda’s media, business and daily routine

05:04 Zoom etiquette, fake backgrounds and honest conversations

Welcome back to The Account Rant.

In this episode, Patrick El Bitar and Michael Hirmiz debate one of the most frustrating parts of the Australian tax system, GST.

Should the GST threshold stay at $75,000, rise with inflation, move closer to $150,000, or be removed completely so every business registers from day one?

Michael argues that a $0 GST threshold would make the system simpler, because every ABN would be GST registered and everyone would know what to do with invoices, BAS and GST credits.

Patrick pushes back, arguing that forcing brand new businesses, side hustles and sole traders into GST from day one could create more compliance costs, more accountant fees and more confusion for people just trying to get started.

They also unpack why the GST threshold has barely moved in decades, how Australia compares to New Zealand, the UK and Singapore, why state taxes never really disappeared after GST was introduced, and how government always seems to find a new way to collect money.

The conversation also moves into council rates, tolls, levies, ATO penalties, bracket creep, combined family income, and whether Australia’s tax system is punishing workers, families and small business owners.

If you run a business, have a side hustle, work on an ABN, or just feel like tax keeps coming from every direction, this episode is for you.

Need an accountant?

GET A FREE CONSULTATION FOR ALL ABN HOLDERS

https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw

OUR SERVICES

https://latitudeaccountants.com.au/accounting-services/

[email protected]

TikTok

https://www.tiktok.com/@latitudeaccountants

Instagram

https://www.instagram.com/latitudeaccountants/

YouTube

https://www.youtube.com/@LatitudeAccountants

LinkedIn

https://www.linkedin.com/company/latitude-accountants/

Facebook

https://www.facebook.com/latitudeaccountants/

Website

https://latitudeaccountants.com.au/

The Account Rant is a business and tax podcast by Latitude Accountants, giving real conversations for Australian business owners, professionals and entrepreneurs.

This content is general information only and does not constitute financial, legal or tax advice. Please speak with a qualified adviser about your own circumstances.

Chapters

00:00 Should the GST threshold exist?

00:39 Should every ABN register for GST?

01:25 Why Patrick thinks the GST threshold is too low

01:37 The $75K GST threshold has not moved

01:54 Should the threshold be closer to $150K?

02:49 The compliance problem for new businesses

03:20 Could Xero and AI make GST easier?

04:18 Should business owners get better GST education?

05:17 Would a $0 GST threshold make the system simpler?

05:45 How Australia compares to other countries

06:26 Why $75K feels outdated today

07:17 Would GST from day one kill side hustles?

08:00 GST was meant to replace state taxes

09:40 The hidden taxes people forget about

10:12 Council rates, stamp duty, rego and tolls

11:21 Government levies and ATO penalties

12:29 Is the ATO creating new income streams?

13:35 Would changing GST just create another tax?

14:23 The lawn mowing GST example

15:00 Should GST rise if income tax drops?

15:45 Why $100K does not feel rich anymore

16:36 Should families be taxed together?

17:40 Final thoughts on Australia’s tax system

Welcome back to The CEO Breakdown.

In this episode, John Saade breaks down another big week for Australian business owners, taxpayers and investors.

Trump has increased tariffs on Australian exports from 10% to 12.5%, petrol is heading back over $2 a litre, markets are pricing in another rate rise, and a 25 year old international student has been charged over an alleged $5 million GST refund scam involving luxury watches.

John also reacts to viral videos about the ATO, tax frustration, Australia’s cost of living pressure, PNG NRL players receiving tax free contracts, and Mark Bouris warning that proposed CGT changes could push investment offshore.

But the main segment is the one every business owner should watch.

John builds a full 12 month budget for a small electrical business, showing what a $1.26 million tradie business actually needs to think about, including wages, materials, marketing, hiring, a new van, tax set aside, GST, profit, cash flow and why running your business off the bank balance is dangerous.

He explains why revenue needs to be based on capacity, not hope, why materials and wages can destroy margin, why the owner should be paid a proper market wage, why marketing should be planned instead of random, and why profit does not always mean cash in the bank.

If you run a trade business, service business, family business or small company, this episode is a practical reminder to budget before the pressure arrives, not after the damage is done.

Need an accountant?

GET A FREE CONSULTATION FOR ALL ABN HOLDERS

https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzw

OUR SERVICES

https://latitudeaccountants.com.au/accounting-services/

[email protected]

TikTok

https://www.tiktok.com/@latitudeaccountants

Instagram

https://www.instagram.com/latitudeaccountants/

YouTube

https://www.youtube.com/@LatitudeAccountants

LinkedIn

https://www.linkedin.com/company/latitude-accountants/

Facebook

https://www.facebook.com/latitudeaccountants/

Website

https://latitudeaccountants.com.au/

The CEO Breakdown is a business, tax and economy show by Latitude Accountants, helping Australian business owners understand what is happening and what it means for them.

This content is general information only and does not constitute financial, legal or tax advice. Please speak with a qualified adviser about your own circumstances.