The Finance Show With Joe

On paper the Australian economy is doing fine. Not good, not bad, just okay. Despite that, Brian and Michael are feeling the pinch of a stalling economy and wondered if everyone was feeling that way.  The boys discuss per-capita recessions and what they mean. Once again, the boys discover that while on paper we are no longer in a per-capita recession, it certainly doesn’t feel that way.  So why do...

You know what they never taught us in school? How to buy your first home. It’s not just about hidden fees, but the actual process from start to finish. What does that look like? Michael and Brian break it down in a 9-step guide that takes you through the typical process of buying your first home.    The first step is speaking to a broker or your trusted financial professional to put your financial...

Is Australia entering a buyer's market? Dwelling values in both Sydney and Melbourne are slowly beginning to dip and sellers are having to adjust their expectations. This does mean that buyer's are in a better spot than they have for years, but supply remains constrained. Typical buyer's markets have supply outstripping demand, but that simply isn't the case in Australia, placi...

The Australian economy is sending serious warning signs of an incoming recession. To prepare for this, Joe and Michael shared five home loan strategies that can help save you thousands of dollars each month. From stretching your home loan to utilising your offset account to its fullest, there’s something here for every homeowner and investor to help shield their assets.  Follow us for more propert...

What is a recession? With the globe continuing its nosedive into chaos, economies around the world are suffering and Australia is no exception. As such, it’s important to understand what a recession is and how it affects you.  In this episode, Joe and Michael break down everything you need to know about recessions and provide some tips to help you protect yourself financially during tough times. ...

The 5% deposit sounds like a win… until you realise a small mistake on suburb choice, timing, or holding costs can leave you owing more than the property is worth. We sit down with Nick Khzouz, a buyer’s agent (and former lawyer and banker) from B Money Property Group, to unpack the real-world risks behind low-deposit buying, refinancing, and trying to leapfrog into your next property. If you’ve b...

A single conversation at 15 changed everything. Davie Mach chose accounting to pull his family out of debt, started a firm at 26, and built it to 40 people by doing one thing most advisers avoid: telling small business owners the whole truth about money, structure, and risk.  Davey breaks down the difference between reactive, textbook accounting and proactive, real-time advice powered by cloud too...

We map the best performing investment suburbs across Australia at three price points, from $500k to $1.5m, showing how leverage and tight supply can turn a modest deposit into meaningful equity.  We provide three suburbs at each price point and measure their performance based on capital gain, rental yield, and potential future growth in the next 12 months.  If you ever need any help with your mort...

Prices are climbing, tempers are flaring, and a simple promise—“buy with just a 5% deposit”—isn’t as simple as it sounds. Joe and Michael unpack the new rules around Australia’s First Home Guarantee and why it might not be the slam dunk the federal government believes.  We draw a clean line between the federal guarantee and state‑based grants and stamp duty concessions, then walk through what that...

The biggest property gains often come from the most boring moves—and that’s exactly where Steve Palise thrives. We sit down with the engineer‑turned‑buyers’ advocate and author to dismantle catchy myths, unpack the fundamentals that actually drive returns, and show how to pick between residential, commercial, and development without getting lost in the hype. Steve shares how he scaled a buyers’ ag...

Think financial planners are only for the wealthy? Ray Regmi and Malissa Vargas from Ryker Capital don't think so, revealing why financial advice might be most valuable for everyday Australians. Ray, with 21 years in financial services, and Malissa, with 32 years in lending, share powerful insights about the transformative impact of good financial planning. They explain why waiting until you&...

In our conversation with Jacob Fahmy, Client Director for Latitude Accountants, the boys discuss all things small business - the backbone of the Australian economy.  Australia's small business owners are facing unprecedented challenges through increasing regulations, proposed tax changes, and economic policies that favour large corporations over local entrepreneurs. Jacob explains how structu...

Looking to grow wealth through property but can't afford your own backyard? JP Gabriel, founder of Investr buyer's agency, reveals to Joe and Michael his powerful strategies for navigating Australia's challenging property landscape. JP shares his personal journey from tech professional at LinkedIn to successful property investor, building a portfolio across three states. He tackles...

The controversial $3 million superannuation tax has sparked fierce (if not overblown) debate across Australia, with important questions about fairness, implementation challenges, and political accountability taking centre stage. Targeting roughly 80,000 Australians (0.5% of the population) with super balances exceeding $3 million, this policy increases their tax rate from 15% to 30%. While Michael...

Australia's housing market is being strangled by the NIMBY (Not In My Backyard) phenomenon, with the average first home buyer age jumping from 34 to 37 in just three years. This devastating trend shows how local opposition to development is driving up prices and pushing homeownership further out of reach for young Australians. This episode touches on: • The NIMBY mindset  • Sydney's poor...

Joe and Michael explore how Trump's tariffs are reshaping the Australian economy through currency devaluation, interest rate changes, and property market shifts, with surprising benefits for some and challenges for others. Overall, these won't affect Australia too negatively, in fact, they might actually improve things for the Australian economy as we look to other markets, particularly...

The boys discuss the government schemes that can actually help you get into the market and start building wealth.  Find out: • Why someone earning $90,000 with HECS debt takes home approximately $5,200 less annually than someone without. • What you can do if your HECS debt is stopping you from buying a property. • Info on the federal government's investment of $182 million in NSW infrastructu...

Australia's housing crisis has reached a breaking point, forcing all political parties to place housing policy at the forefront of their election platforms. In this episode, we dissect the competing visions for solving Australia's housing affordability crisis, exploring whether any party has realistic solutions to the mounting pressure. Labor's ambitious promise of 1.2 million new h...

Manny returns to discuss the latest shifts in Australia's property market. (Melbourne might be back in the game). Join us for our upcoming event "Ready, Set, Buy" at Strathfield Golf Club on Thursday, April 10th, featuring expert insights from Manny, Joseph, and Peter Ishak on property investment fundamentals. Live in Sydney? Get your free ticket on eventbrite: https://www.eventbrit...

The long-awaited 0.25% interest rate cut from the Reserve Bank of Australia has finally arrived, bringing welcome relief to homeowners after rates reached their highest point in 15 years. But beyond the modest monthly savings—about $180 for the average New South Wales mortgage holder—lies a much more significant opportunity that savvy Australians shouldn't overlook. First-time buyers with med...

This week Joe and Michael explore the interest rate predictions from ANZ, CBA, and Westpac, while we unravel the political and economic factors shaping these forecasts. Discover how migration trends and government policies focusing on individual welfare create a challenging landscape for first-time homebuyers, as we spotlight the disconnect between policymakers and the realities of the housing mar...

The boys kick off the new year with a recap on the financial activity we saw over Christmas.  All we can say is don't make your settlement date during the holiday period!  Moving into the world of personal loans and debt consolidation, we dissect the growing trend of managing multiple debts post-holiday season.  The episode takes a deeper look at the changing travel landscape and the impact o...

Welcome It's Simple broker, Anthony Fontana, to the Finance Show with Joe! Tackling today's challenging homeownership landscape, we explore how the "Bank of Mum and Dad" is reshaping the property market. Discover strategic financial solutions like guarantor loans and the First Home Guarantee that are helping families overcome housing affordability issues. With expert advice on...

Damien joins us in this episode, the longest-standing member of It's Simple Finance, who stumbled into the world of brokering after an unexpected encounter at a wedding.  With Damien, we explore Sydney's wealthiest suburbs to uncover the concept of "good debt" and how strategic financial planning with accountants can maximize tax efficiency and bolster property portfolios. Shif...

What happens when a property investor decides to switch sides and become a mortgage broker? David shares his compelling journey on our latest episode of the Finance Show. Discover how a miscalculation by a lender nearly derailed his property purchase plans in Perth and how It's Simple saved the day. David's experience underscores the importance of motivated brokers and the art of matchin...