The Numbers Game

By Nick Reilly, Jason RobinsonBusiness Entrepreneurship Education Self-Improvement Investing

The Numbers Game episodes

April 20, 2025 The Real Cost of Uni in Australia
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: [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.
25 min
April 13, 2025 Rethinking Property Tax in Australia
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: [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.
28 min
April 06, 2025 What Car Loans Are Really Costing You
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: [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.
26 min
March 30, 2025 Why You Need a Will
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: [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.
25 min
March 23, 2025 Hunter vs. Farmer and Fixing Your Sales Strategy
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: [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.
34 min
March 16, 2025 How Much You Need To Retire And How To Get There
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: [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.
33 min
March 09, 2025 Raising GST in Australia and Why it Would Work
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: [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.
28 min
March 02, 2025 Standing Out in a Dry Industry - Lessons from Liquid Death
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: [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.
25 min
February 23, 2025 Buying Property with Super, What You Need to Know
Thinking about buying property with your super? We go through the ins and outs of Self-Managed Super Funds (SMSFs), including why more people are setting them up, the benefits and tax advantages of owning property within an SMSF, and key compliance rules. We look at financing options, lending challenges, and strategies for business owners looking to rent their premises from their own super fund.
On this episode, we discuss:
(00:00) How to Buy Property Using a Self-Managed Super Fund
(00:46) Why Self-Managed Super Funds Are Growing in Popularity
(01:24) Why Major Banks Stopped Lending to Self-Managed Super Funds
(02:00) Benefits of Owning Property in a Self-Managed Super Fund
(03:08) What Is a Self-Managed Super Fund & How Does It Work?
(05:50) Should You Buy Commercial Property in Super or Your Own Name?
(09:51) How Much Super Do You Need to Buy Property?
(11:29) Can You Rent Your Business Premises from Your Super Fund?
(14:43) What Property Improvements Are Allowed in a Super Fund?
(16:48) What Happens When You Sell Property in a Self-Managed Super Fund?
(19:47) Can You Keep a Self-Managed Super Fund If You Move Overseas?
(21:25) Is It Harder to Get a Loan for a Self-Managed Super Fund Property?
(23:00) Why Some Lenders Charge Higher Interest for Super Fund Loans
(24:19) Who Should (and Shouldn't) Set Up a Self-Managed Super Fund?
(24:37) How to Keep a Self-Managed Super Fund Compliant
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.
26 min
February 16, 2025 Building Passive Income through Property
Is residential property investment still the best way to generate passive income, or is commercial real estate the smarter play? In this episode we get into the real challenges of investing in houses vs. commercial properties, using a real-life case study of a couple who built an $8M portfolio. We break down the pros, cons, and financial realities of both strategies—so you can decide which path leads to true financial freedom.
(00:00) Intro
(00:21) Residential vs. Commercial Property: The Big Debate
(01:56) How One Couple Built an $8M Property Portfolio
(03:23) The Real Problem with Residential Property Investment
(06:00) Why Commercial Property Could Be the Better Bet
(08:53) The Pros & Cons of Commercial Property
(12:45) The $300K Passive Income Plan – Can It Work?
(16:27) Common Myths About Investing in Commercial Real Estate
(22:50) Why More Investors Are Selling Their Residential Properties
RESOURCES MENTIONED https://www.afr.com/wealth/personal-finance/how-this-millennial-plans-to-get-wealthy-even-as-a-forever-renter-20240902-p5k76h

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.
30 min

About The Numbers Game

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The Numbers Game — It’s finance, investment and business but not as you know it. Each week Jason Robinson (CPA Accountant), Nick Reilly (Planner) come together to bring you strategy and advice around…