The Numbers Game

In this episode, we dive into the classic debate of property vs shares: which is the smarter way to build wealth in today’s market? We break down the pros and cons of both, from the barriers of deposits, debt, and cashflow in property to the accessibility and liquidity of shares, using real numbers over 20 years. If you’ve ever wondered whether you should buy that investment property or start a share portfolio, this episode will give you the clarity to make a more informed choice.

On this episode, we discuss:

(00:00) Intro 
(00:04) Property Vs Shares 
(06:56) The Big Advantages Of Shares For Everyday Investors 
(08:51) Marty’s Changing View On Property Investment 
(09:55) The True Cost Of A 30-Year Mortgage 
(14:39) Negative Gearing And The Weekly Cashflow Drain 
(16:18) Comparing 30 Years Of Property And Share Returns 
(20:50) Leveraging Equity Into The Share Market 
(23:10) Dividends Vs Paying Down Debt 
(28:02) Emotional Strength Needed For Share Market Volatility 
(32:17) New Rental Laws And The Shift In Property Ownership

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We dive into why Melbourne could be on the verge of a property gold rush in 2025. We unpack the fundamentals driving growth; migration, affordability, and the rise of boutique apartments and townhouses, while debating whether investors are pulling back and owner-occupiers are taking over. We also share strategies for first home buyers and explore whether now is the time to buy before prices climb further.

On this episode, we discuss:

(00:00) Intro
(00:58) Could Melbourne Have A Property Gold Rush?
(01:27) Why Boutique Apartments And Townhouses Are Set To Boom
(05:32) Melbourne House Prices Vs Sydney: The Biggest Gap Ever
(06:02) Rental Vacancy Rates At Record Lows
(07:57) What Could Go Wrong For Melbourne Property?
(10:45) Are Investors Pulling Back And Owner-Occupiers Taking Over?
(15:03) The Hidden Costs That Push Landlords To Sell
(18:46) Should First Home Buyers Act Now Or Wait?
(21:54) The Rise Of Buyer’s Agents And Off-Market Deals

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today we talk with Joel Wermut, co-founder of Prop App, the startup reshaping how Australians buy and sell property. From helping vendors find the right agent to giving buyers access to off-market deals and trusted buyer’s agents, we unpack how Prop App is disrupting the traditional real estate model. We also get into the startup journey, the future of property transactions, and what this innovation means for anyone looking to get into the market.

On this episode, we discuss:

(00:00) Intro
(01:38) What Is Prop App? The Tinder For Real Estate
(06:09) Why Human Connection Still Matters In Property Tech
(08:30) The Rise Of Buyer’s Agents In Australia
(12:05) Cost Vs Value When Buying Property
(14:50) The Aha Moment Behind Prop App
(16:30) Startup Challenges And Building From Scratch
(17:34) Prop App’s Mission To Help Buyers And Sellers
(20:04) Rate My Agent Vs Prop App: Key Differences
(21:36) How Social Media Is Driving Growth For Prop App
(23:32) Surprising Trends Emerging In Property Data
(27:31) Are REA And Domain Fees Out Of Control?
(29:25) Why Listing Property Doesn’t Need To Cost Thousands

Connect with Joel Wermut on [LinkedIn] (linkedin.com/in/joel-wermut-37097113) or you can visit their [website] (https://www.propapp.com.au/)

[Download PropApp] (https://uqr.to/getPropApp)

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We get into four powerful lessons from an investor’s perspective on building a business that’s both profitable and truly valuable. We break down why tracking profit per hour matters more than just chasing revenue, how to create a company that’s saleable as well as profitable, and the biggest misconceptions business owners have about their business’s worth. Plus, we share practical steps to systemise, scale, and build a business you don’t want to sell, all while making sure it’s worth top dollar if you ever do.

On this episode, we discuss:

(00:00) Intro
(00:49) What If Your Biggest Client Is Costing You Money?
(01:42) Why Profit Per Hour Beats Revenue As A Metric
(04:33) How Smaller Clients Can Deliver Bigger Returns
(07:49) Building A Valuable Business, Not Just A Profitable One
(09:48) The Risk Of Having All Your Wealth Locked In Your Business
(12:11) Valuing Your Business Every Month
(15:28) Why Business Owners Overvalue Their Business
(17:14) The Danger Of Relying On The Founder For Revenue
(19:49) Showing Strong Upward Trends Before Selling
(22:42) Build A Business You Don’t Want To Sell
(23:11) Staying Focused On Key Quarterly Objectives
(24:52) Why Every Business Should Be Built To Be Worth Owning And Selling

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Small business insolvencies are rising and many owners don’t see the warning signs until it’s too late. We break down the financial red flags that show your business might be heading for trouble. We cover maxed-out credit cards, late super payments, ATO debt, director loans, and the danger of not knowing your breakeven point. If you run a business, this is what you need to hear before it’s too late.

On this episode, we discuss:

(00:00) Intro 
(00:25) Why Insolvency Rates Are Rising Among Small Business Owners
(02:54) Red Flag #1: Maxed Out Credit Cards & Overdrafts
(05:14) Cashflow Forecasting and Why It’s Essential
(07:48) Red Flag #2: Late Super Payments and the Hidden Penalties
(13:50) Red Flag #3: Lodging BAS and Tax Returns Late
(21:32) Monthly Budgeting to Avoid Death by a Thousand Paper Cuts
(25:42) Red Flag #4: Spending GST, PAYG and Tax Savings
(27:25) Red Flag #5: Drawing Business Funds Without Div 7A Management
(34:14) Red Flag #6: ATO Payment Plans and Why They’ll Cost You More
(36:33) Red Flag #7: Not Knowing Your Breakeven Point

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

We take a look at why some businesses thrive while others barely survive, breaking down gross vs net profit, how margins impact your bottom line, and why choosing (or tweaking) the right business model is key to long-term success.

On this episode, we discuss:

(00:00) Intro
(01:17) Choosing The Right Business For Your Future Income
(02:29) Gross Profit Vs Net Profit Explained
(03:32) Passion vs Profit: The Reality Of Running A Business
(07:03) Why High Gross Profit Gives You Flexibility
(08:37) Construction Industry’s Slim Margins And High Risk
(9:46) The Costly Impact Of A Bad Contract
(13:14) Focusing On High-Margin Work To Reduce Risk
(15:25) Smart Business Model Tweaks That Increase Profitability
(17:47) Examples Of Businesses Pivoting For Better Margins
(24:36) Why Strategic Thinking Beats Passion Alone

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Is the Olympic model broken? We are “diving” into the rise of the Enhanced Games - a new competition where athletes are encouraged to use performance-enhancing drugs. We unpack the ethical dilemmas, money gaps, and whether doping could actually disrupt the traditional sporting world for good.

On this episode, we discuss:

(00:00) Intro
(00:16) Hot Swimmers, Big Muscles, And A Million-Dollar Question
(01:14) What Are The Enhanced Games?
(03:06) Olympic Athletes Pay Explained
(06:00) Would Paying Olympians Solve The Ethics Problem?
(07:18) Super Shoes Vs. Steroids: Where Do We Draw The Line?
(08:26) Faith Kipyegon And The Nike-Backed 4-Minute Mile
(10:50) PEDs, Records, And A Million Bucks
(14:36) Would You Medicate Your Team For Better Performance?
(16:13) Boxing, F1, And Risk-Reward In Modern Sport
(18:01) Do Enhanced Athletes Belong On The Same Stage As Olympians?
(19:03) The Normalisation Dilemma: What Message Are We Sending?
(20:00) IOC’s Wake-Up Call - Time To Share The Pie
(21:07) Enhanced Games Vs Olympic Games: Who Wins The Future?

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Australia is heading for its biggest wealth shift in history - and it’s already begun. With over 140,000 Aussies retiring every year, we dive into how the "silver tsunami" of Baby Boomers is set to transform our economy, workforce, and financial planning industries. From aged care and superannuation to legacy planning and retirement housing models, we unpack the opportunities and challenges for both retirees and the generations following them.

On this episode, we discuss:

(00:00) Intro
(00:19) Why Retiring Boomers Could Break the Economy
(04:14) Big Economic Impacts: Healthcare, Aged Care & Labor Force
(06:20) Baby Boomers Fueling Demand for Financial Planning
(07:22) Why Some Retirees Blow Their Wealth
(08:41) The Trillion-Dollar Super Shift
(09:38) Why Boomers Don’t Like Spending Their Money
(10:48) Legacy Planning: Helping Your Kids While You’re Alive
(14:27) What’s a Land Lease Retirement Community?
(16:55) Should You Buy or Rent in Retirement?
(21:16) Should You Talk to Your Parents About Retirement?
(22:50) Understanding How Super Re-Contribution Works
(25:16) Business Owner Retirements & CGT Planning

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Today we crack open the limiting beliefs that shape our lives and businesses. Marty leads us in a session exploring the emotional baggage we carry from childhood - around money, confidence, and self-worth - and how it still impacts our adult identity, performance, and decisions. From childhood weight struggles to money scarcity mindsets, we open up in a raw conversation about what’s holding us back and how to break through.

On this episode, we discuss:

(00:00) Intro
(00:55) The Difference Confidence Makes in Your Business
(01:32) Jase and Nick Share Childhood Beliefs They Still Carry Today
(07:06) Reframing Your Past Without Losing Gratitude
(10:24) The Business Course That Changed Marty's Life
(12:20) Breaking The Pattern Of Self-Sabotage
(15:37) From Survival Mode To Abundance Mindset
(17:40) How Identity Coaching Impacts Business Growth
(19:51) Why People Earn What They Believe They Deserve
(22:15) The Fear Of Not Being Good Enough
(23:10) Nick Explains How Golf Mirrors Identity And Self-Sabotage
(30:42) Jase's Live Coaching Session Begins
(35:42) The Role Of A Coach In Rewiring Belief

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Interest rates aren’t going back to 2%, so how do you plan for the new normal? Today we talk about why 5-6% mortgage rates are here to stay, how government spending, inflation, and housing supply are driving long-term change, and what that means for buyers and investors. We share practical steps to future-proof your finances, from budgeting to refinancing to changing your property mindset.

On this episode, we discuss:

(00:00) Intro
(00:10) Are Low Interest Rates Gone For Good?
(02:45) The Reality Of 5% Interest Rates
(03:50) What Is The Goldilocks (Neutral) Cash Rate?
(05:39) Why The Cash Rate Might Stay Higher For Longer
(06:21) Government Spending’s Impact On Rates
(10:52) Housing Supply Issues And Construction Shortages
(11:48) Why Property Prices Aren’t Falling Anytime Soon
(15:35) Should You Fix Your Home Loan Rate?
(20:06) Stop Waiting For Rates To Drop - Build A Strategy Now

Check out the free resources from Inovayt here.

Send us an email: [email protected]

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Check out our new website thenumbersgamepodcast.com.au. Browse the full show catalogue, jump straight to specific moments on the topics you love, or leave us a voice note.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.