The Finance Bible

*Please note, this episode was recorded before the 2026 Federal Budget. Negative gearing gets sold as a cheat code, but what if it’s just a fancy way to normalise losing money? Zeke and Oscar get real about the negative gearing vs positive gearing debate and why most people arguing online don’t understand what they’re actually signing up for. We talk cash flow, tax deductions, and the difference b...

They called it the most ambitious budget in decades and framed it as a win for young Australians, but when we read the fine print, the housing story gets uncomfortable fast. Oscar goes solo to unpack the 2026 Australian federal budget and what it means for anyone under 35 trying to buy a first home, get financially stable, or even just keep up with rent.  We walk through the two big levers: negati...

Most people budget for a deposit and a loan, then act shocked when property investing gets expensive. We’ve just been traveling between markets and seeing the same pattern with buyers again and again: the purchase price is only the beginning, and the “small” line items are what break cash flow. So we lay out the true cost of buying an investment property in Australia in plain English, with real ra...

Australia’s property market is no longer moving as one. In this episode, we break down the growing divide between major cities—why some markets are surging while others are stalling, and what’s really driving the shift beneath the headlines. From Perth’s rapid growth to Melbourne’s reset and Sydney’s affordability ceiling, this is a city-by-city analysis of where the opportunities are forming… and...

Property prices don’t just “go up” on their own, they respond to incentives, and right now Australia is drenched in them. We’re fired up about how first home buyer grants and 5% deposit schemes can look helpful on paper while quietly bidding up the same entry-level homes first home buyers are trying to afford. When you add 95% lending into a rising interest rate environment, the risk isn’t abstrac...

Fuel prices don’t just change what you pay at the pump. They quietly rewrite the price of almost everything you touch: groceries, building materials, deliveries, flights, and even that “quick” Uber ride that suddenly comes with a surcharge. We zoom out from the headlines and talk through why petrol and diesel increases can hit Australia hard, especially when global conflict and uncertainty keep en...

Why is petrol suddenly so expensive? In this episode of The Finance Bible, Oscar breaks down the rising fuel prices and explains how conflicts halfway across the world can hit your wallet at the pump. From Middle East tensions and shipping chokepoints to global oil markets and inflation, we uncover the hidden forces behind petrol price spikes. Whether you’re a commuter, a business owner, or just c...

Inflation isn’t just making groceries more expensive — it’s quietly reshaping the middle class. While wages struggle to keep up, assets continue to rise. The gap between those who own and those who wait is widening. In this episode, we break down what’s really happening behind the rising cost of living, why inflation acts as a wealth transfer, and the strategic mindset shift required if you want t...

Australia’s housing crisis didn’t happen in a vacuum. Since borders reopened after COVID, Australia has added nearly one million net migrants in just two years . At the same time, housing construction has failed to keep pace with demand. In this episode, we break down the hard numbers: Post-COVID net overseas migration levels How many dwellings those arrivals actually require The National Housing...

This is the final episode of the Exposing Australia’s Collapse series. Over the past five episodes, we’ve unpacked the rise of fatherless homes, the housing affordability crisis, collapsing birth rates, the education system’s decline, and Australia’s growing physical and mental health crisis. In this finale, we connect the dots. These aren’t isolated issues. They’re systemic.  Education shapes beh...

Christmas Eve has a way of slowing everything down and bringing perspective into focus. In this special episode, we talk about money, clarity, and what it really means to feel “behind” financially, plus how to reset your thinking before the new year begins. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @as...

Most investment properties don’t fail loudly... they underperform quietly.  In this episode, we unpack the silent killers smart property investors learn to avoid before they buy. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates....

Buying property is one of the biggest financial decisions you’ll ever make — and choosing the wrong “advisor” can cost you years and six figures. In this episode, we break down what a real property investment advisor actually does, how they connect you with the right dream team (broker, accountant, conveyancer, property manager), the red flags to avoid, and the non-negotiables you should check bef...

Welcome back to The Finance Bible Podcast with Zeke Guenthroth and Oscar Don — and yes, the boys are back in the same room again! Following on from last week’s deep dive into compound interest , this episode breaks down the next step in your wealth journey: building your first $100K . You’ll learn how to set up a practical, disciplined framework to move from saving to investing — including how to...

In this episode, Zeke and Oscar break down compound interest — the simplest concept in finance that most people still don’t understand. You’ll learn the difference between good compound interest (shares, ETFs, property, superannuation) and bad compound interest (credit cards, personal loans, and late fees that snowball into debt traps). Using real calculations and case studies, they show how start...

The happiest-looking couples often hide the messiest money fights. We pull back the curtain on the small financial signals that predict big relationship stress, then map the green flags that make building a life together feel calm, fair, and forward-moving. We start by identifying the four major red flags: secretive spending, a lifestyle that outpaces income, avoidance of basic money conversations...

Most people think they’re “saving” — they’re really just parking cash and calling it progress. In this episode, Zeke and Oscar break down the six most common saving mistakes they see every week and show you how to fix each one fast. We cover separate banks for savings vs spending, a simple budgeting model that actually works, cash drag and inflation, “saving to spend” (holidays, cars), automation...

The difference between property investment success and failure isn't luck, it's strategy. While most buyers rush headfirst into contracts and overlook critical details, savvy investors follow a clear roadmap that protects their interests at every turn. Your journey to successful property investment begins with getting your finances in order months before making an offer. Working with a m...

The age-old dream of home ownership is being reimagined by a new generation of Australians facing unprecedented housing challenges. Caught between soaring property prices and stagnant wages, many are asking: should I buy where I can afford or rent where I want to live? Rentvesting—renting in your preferred location while investing in property elsewhere—has emerged as a powerful alternative strateg...

We tackle the concept of "unexpected" bills that aren't actually unexpected at all, but rather irregular expenses we can and should plan for to avoid financial stress and debt. • One in three Australians couldn't cover a $500 emergency without borrowing money • The average Australian household spends over $1,200 annually on "unexpected" bills • Car costs average $10,0...

Becoming the Expert — 7 Income Streams & Personal Brand Power w/ Katrena Friel In this high-impact episode of The Finance Bible , Zeke is joined by Katrena Friel — award-winning author, international speaker, and founder of Becoming the Expert . With 25+ years of business transformation under her belt, Katrena reveals how to turn your life story into a seven-figure personal brand . We dive int...

In a world where antidepressants are more common than multivitamins and junk food is cheaper than fresh fruit, being healthy is no longer the default — it's a luxury. In this hard-hitting episode, Zeke Guenthroth dives deep into the collapse of health in Australia and across the globe. With skyrocketing obesity, declining mental resilience, and a pharmaceutical industry booming off your break...

The Great Australian Dream is dead—and it’s not coming back unless we take bold action. In this explosive episode of The Finance Bible , Zeke Guenthroth exposes why home ownership has become a pipe dream for an entire generation. From the 1980s to 2025, housing prices have spiralled from 3.3x income to 11.2x nationally—and nearly 14x in Sydney—locking out everyday Australians and creating the most...

Ever wonder why you're financially stuck despite doing everything "right?" That gnawing feeling that something's off with your finances isn't just in your head—it's the reality of playing by outdated rules in a completely different economic game. The financial playbook most of us inherited—save diligently, avoid debt, buy a home, play it safe—worked beautifully in our...

What happens when fathers disappear? The ripple effect doesn’t just hit the household — it fractures society, destabilises youth, and rewrites the future of Australia. In this hard-hitting episode of The Finance Bible , Zeke Guenthroth breaks down: 📉 How fatherless homes have doubled in Australia since the 1980s 🇺🇸 Why 1 in 3 American children grow up without a dad 🔗 The direct link between brok...