New first home buyer rules are here. What you need to know

Massive changes are coming for first home buyers, and they’re hitting sooner than expected. In this episode of The Winner’s Playbook, Josh and Billy break down exactly what’s changing from October 1, who qualifies, how much you can borrow, and the fine print you don’t want to overlook.

They unpack the real impact of no income caps, boosted price limits (hello, $1.5 million in Sydney), and the scrapping of lenders mortgage insurance when buying with just a 5% deposit. But they don’t stop there. Josh and Billy also talk about the ripple effects on the property market, why some buyers might be worse off, and how investors are already looking to take advantage.

If you’re a first home buyer wondering if this is your moment, or an investor thinking about how the demand shift might play out, this episode gives you the insights to plan smarter. They also explore the risks of going in with minimal deposit, the dangers of negative equity, and the traps that could cost you thousands.

Property’s not the only way to build wealth, but if it’s on your radar, this is essential listening before you jump in.

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𝗪𝗲’𝗱 𝗹𝗼𝘃𝗲 𝘆𝗼𝘂𝗿 𝘀𝘂𝗽𝗽𝗼𝗿𝘁

Both Steve Sloane and Billy Norman have been shortlisted for the 2025 Financial Standard Power50, recognising Australia’s most influential financial advisers.

It’s a huge honour to see two of our own recognised at this level, and your vote could help secure their place in the final list.

👉https://www.financialstandard.com.au/fspower50

Thank you for backing our team and being part of the Link Wealth community.

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Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

New first home buyer rules are here. What you need to know

Massive changes are coming for first home buyers and they’re hitting sooner than expected. In this episode of The Winner’s Playbook, Josh and Billy break down exactly what’s changing from October 1, who qualifies, how much you can borrow, and the fine print you don’t want to overlook.

They unpack the real impact of no income caps, boosted price limits (hello, $1.5 million in Sydney), and the scrapping of lenders mortgage insurance when buying with just a 5% deposit. But they don’t stop there. Josh and Billy also talk about the ripple effects on the property market, why some buyers might be worse off, and how investors are already looking to take advantage.

If you’re a first home buyer wondering if this is your moment, or an investor thinking about how the demand shift might play out, this episode gives you the insights to plan smarter. They also explore the risks of going in with minimal deposit, the dangers of negative equity, and the traps that could cost you thousands.

Property’s not the only way to build wealth, but if it’s on your radar, this is essential listening before you jump in.

----

𝗪𝗲’𝗱 𝗹𝗼𝘃𝗲 𝘆𝗼𝘂𝗿 𝘀𝘂𝗽𝗽𝗼𝗿𝘁

Both Steve Sloane and Billy Norman have been shortlisted for the 2025 Financial Standard Power50, recognising Australia’s most influential financial advisers.

It’s a huge honour to see two of our own recognised at this level, and your vote could help secure their place in the final list.

👉https://www.financialstandard.com.au/fspower50

Thank you for backing our team and being part of the Link Wealth community.

----

Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

Why rentvesting is the strategy more buyers are choosing now

Can’t afford to buy where you want to live? You’re not alone. With property prices climbing fast in major cities, more Australians are turning to rentvesting, a strategy that lets you live where you love and still get on the property ladder.

In this episode of The Winner’s Playbook, Billy and Carlo from Link Wealth Finance break down what rentvesting is, how it works, and whether it’s a smart move for your situation. They share real stories, personal examples, and client insights that reveal the pros, cons, and surprising tax benefits of this growing trend.

They also cover the lifestyle flexibility renting offers, how rentvesting can actually fast-track your wealth, and the one big mistake people make when they skip the “investing” part. Plus, they explain why keeping your old home as an investment might not be as smart as it seems.

Whether you’re a first-time buyer, a seasoned investor rethinking your strategy, or just trying to make sense of today’s market, this episode is packed with practical advice and no-fluff insights.

Rent where you want. Buy where it counts. And play the game differently.

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Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

Tax time rolls around, the refund hits your account… and for most people, it’s gone just as fast. In this episode of The Winner’s Playbook, Josh and Billy unpack why so many Aussies waste their tax refund and what smarter, more strategic moves you can make instead.

They explain how the tax system really works, why that “bonus” isn’t a gift from the ATO, and how to shift your mindset so you actually do something useful with your refund. From common mistakes to hidden traps around HECS and second jobs, to the overlooked trick that lets you get your refund in advance, this episode is packed with insights that’ll help you make better money decisions.

They also break down the long-term power of investing your refund, how compound interest works in your favour, and how a simple plan can turn a small refund into serious wealth over time. Whether you’re getting $500 or $5,000 back, this episode will help you stop blowing your refund and start using it to get ahead.

Because it’s not a bonus. It’s your money. Use it like it matters.

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Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

You don’t need a head start: how to build wealth from scratch

Think you need rich parents to get ahead financially? Think again. In this episode of The Winner’s Playbook, Josh and Billy dive into what it really takes to build wealth when you’re starting from zero. No trust fund. No family handouts. Just hustle, clarity and the right mindset.

They open up about the hidden advantages of doing it the hard way, how to avoid common traps like lifestyle creep and comparison, and why so many first-generation wealth builders burn out before they break through. You’ll hear practical advice on how to stay consistent, find guidance when you’ve got no roadmap, and build true financial confidence from the ground up.

It’s raw, honest and packed with real talk. If you’ve ever felt behind or like you're playing catch-up with everyone else, this one’s for you. You don’t need a head start to win. You just need the right playbook.

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Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

Why most budgets fail and what to do instead

Budgets are one of the most common financial tools out there, but let’s be honest, most people can’t stick to them. In this episode of The Winner’s Playbook, Josh and Billy break down why traditional budgeting often fails and share practical, realistic alternatives that actually work in real life.

They cover:

• The real reasons people give up on budgeting (and it’s not just because it’s boring)
• How to make a spending plan you’ll actually follow
• The bucket system we use with clients that keeps cash flow on track without feeling restrictive
• The difference between short-term cutbacks and long-term lifestyle changes
• Why one-size-fits-all budget rules don’t work for everyone
• How to bounce back after a bad month without throwing in the towel

If you’ve ever set a budget and abandoned it a few weeks later, this episode will give you the tools, mindset and structure to finally make a money plan that sticks.

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Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

Talking to your parents about money, wills & what comes next

In this episode of The Winner’s Playbook, Josh is joined by Carlo, a Senior Mortgage Brokers from Link Wealth Finance, for a conversation that many avoid but absolutely need to have: how to talk to your parents about money, wills, aged care and estate planning.

It’s not about being morbid. It’s about making sure your family is protected, informed and not left scrambling when life throws a curveball.

They dive into why these conversations can feel so uncomfortable, the right way to raise the topic without sounding like you're after money, and the essential things every family should sort out, from wills and powers of attorney to sharing practical info like account details and intentions.

Josh and Carlo also touch on how to avoid future family conflict, why transparency matters and the real cost of poor planning.

If you're putting this conversation off or not sure how to begin, this episode will give you the tools, mindset and confidence to open the door the right way.

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Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

----

General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

If you're in Australia on a visa, you might be wondering what you can and can't do with your money. The rules can feel like a minefield, but there are smart ways to make progress if you know how to play it.

In this episode, Billy sits down with financial adviser Fei Kong to unpack what non-residents need to know about investing, saving and building a future in Australia. They cover common mistakes to avoid, how tax residency really works, why a tax file number is a must and what you need to think about before buying property.

Fei also shares her own experience coming to Australia as an international student, plus the mindset shifts, cultural differences and legal steps that matter most when starting out in a new country.

Whether you’re on a temporary visa, new to Australia, or just trying to get your head around how the system works, this episode is packed with practical advice to help you make smarter money moves.

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Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

Thinking about changing careers but worried about the money side of it?

In this episode, Josh and Billy break down how to make a career change without blowing up your finances. They cover what to expect if you’re taking a pay cut, how to prepare for it, and the smart moves you can make to stay afloat while starting over.

They share personal stories, practical tips on budgeting, buffers and backup plans, plus the hidden risks of staying in a job just because it’s comfortable. You’ll also hear real advice on timing, taking calculated risks, and what to do when you're stuck in a role that no longer fits.

If you’ve been thinking about making a move or just want a fresh perspective, this episode will help you make a confident, well-planned leap.

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Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

----

General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

No one likes thinking about what happens when they die, but sorting it out now can save your family a world of stress later.

In this episode, Josh and Billy break down everything you need to know about estate planning. They cover wills, superannuation, life insurance, and the tax traps most people don’t even know exist. You’ll learn how super, and insurance payouts actually work, what happens if you die without a will, and why binding nominations matter more than you think. 

They also dive into real-world strategies like testamentary trusts, protecting family wealth, and what to watch out for when DIY-ing your will. Whether you're single, have a young family, or just want to get your affairs in order, this episode will help you take the right first steps. 

If you’ve been putting it off, now’s the time to sort it. 

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Get in touch with Josh:
Josh Lee - Director & Financial Adviser (linkwealth.com.au)
Get in touch with Billy:
https://calendly.com/billynorman/15-min-clarity-call?month=2025-02

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/newsletter

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/fscg

----

General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.