The Winner's Playbook

Send us Fan MailThink the Federal Budget won’t affect you? This one might be worth paying attention to.In this episode of The Winner's Playbook, Josh and Billy break down the biggest proposed changes from the latest Federal Budget, including negative gearing, capital gains tax, trusts and bucket companies. They explain what could change, who may be impacted, and why property investors, business owners and retirees should be watching closely.They also talk through some of the smaller wins, like the instant asset write-off, tax loss carry-back rules and worker tax offsets, while giving their honest take on whether these measures really go far enough. You’ll hear why superannuation and investment bonds may become even more important, and why rushing into big changes before the dust settles could be a mistake.Whether you own property, run a business, use a trust structure or simply want to understand what this Budget could mean for your money, this episode gives you a clear, no-nonsense breakdown without the political noise.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailAre interest rates about to bite again?In this episode of The Winner’s Playbook, Josh and Billy record from the new podcast studio for the first time and unpack some big money topics facing Australians right now.They discuss inflation, the possibility of higher interest rates, what rising rates could mean for mortgages, bonds and cash, plus why investors may need to think carefully about buffers, debt and risk.They also break down the latest on Division 296, possible Federal Budget changes around capital gains tax, trusts, negative gearing and EVs, and why it pays to build a plan that can adapt when the rules change.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailIn this episode of The Winner’s Playbook, Josh and Billy break down what’s really happening in global markets, from interest rates and inflation to oil, AI, Bitcoin, gold, and tech stocks. They explain why short-term market moves are unpredictable and why trying to time them can cost investors.They also explore how higher rates impact households and businesses differently, why oil price surges fuel inflation, and how small to medium businesses are feeling the pressure. On investments, they cover gold as a safe haven, crypto struggles, and AI-driven opportunities in tech.The key takeaway: you can’t control the noise, but you can control your strategy. Diversification, avoiding too much cash, and spotting opportunities when markets feel uncomfortable are more important than ever. This episode shows you how to cut through the chaos and focus on what truly matters.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailWhat’s really happening in the 2026 property market, and should you buy now? In this episode of The Winner’s Playbook, Billy is joined by buyer’s agent Kev Tran to unpack what’s really happening, from rising interest rates and borrowing power cuts to inflation, construction costs, and policy conversations around capital gains tax and negative gearing.They explain why the market isn’t moving evenly, with affordable areas in Perth, Brisbane, Adelaide and parts of Melbourne still seeing strong demand, while higher priced segments slow down.More importantly, they break down what buyers should actually focus on, why trying to time the market can backfire, how to think about affordability and buffers, and what matters most for long term success.They also cover the types of properties that still make sense in this environment, along with key risks to avoid, including high density apartments, rising body corporate costs, and emotionally driven decisions.If you’re planning to buy in the next 6 to 12 months but feel stuck between fear and uncertainty, this episode gives you a clear, practical framework to move forward with confidence.Get in touch with Kev Tran:https://kevtran.com.au/https://www.linkedin.com/in/kevtranbuyersagent/----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailWhat is a trust… and do you actually need one?In this episode of The Winner's Playbook, Billy sits down with Adam from Link Wealth Accounting to break down trusts in plain English. They cover what a trust actually is, how it works, and why people use them beyond just “saving tax.”The conversation dives into how trusts can create tax flexibility, protect assets, and help with long-term family planning. They also unpack different types of trusts, how distributions work, and some of the common mistakes people make, especially when things are not set up or managed properly.If you have heard about trusts but never fully understood them, this episode will give you a clear, practical overview of when they might make sense and what to watch out for.Get in touch with Adam:https://www.linkwealthaccounting.com.au/adam-jacobsonAdam's TikTok: https://www.tiktok.com/@adam.jacobson.accounting----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailGetting a pay rise should feel like a win, but for a lot of people, the extra money disappears faster than expected.In this episode of The Winner's Playbook, Josh and Billy break down how to actually make a pay rise count. They talk about lifestyle creep, tax, super top-ups, debt reduction, company share schemes, and the small decisions that can have a big impact on your long-term wealth.They also cover the things people often forget to review after a salary jump, like insurance, income protection, wills, and beneficiary nominations. If your income has gone up, your financial strategy probably needs to as well.If you have recently stepped into a new role, changed jobs, or started earning more, this episode will help you make smarter decisions with the extra income instead of letting it quietly disappear.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailThinking about slowing down… but not ready to fully retire?In this episode of The Winner's Playbook, Josh and Billy break down how a Transition to Retirement strategy actually works. From age 60, you can start accessing your super while still working, which can help you cut back your hours without cutting back your lifestyle.They talk through real examples, how to replace lost income, why your investment mix needs to change as you move into drawdown mode, and the tax opportunities available in those early retirement years. They also explain what a TTR is not. It is not an ATM, and it needs to be structured properly.If you are approaching 60 or just want to understand your options, this episode will help you make smarter decisions around super and retirement.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailBusiness owners often sit on big cash balances because it feels safe, but over time inflation quietly does the damage. In this episode of The Winner’s Playbook, Josh and Billy unpack how to think about cash properly, how much the business actually needs as a buffer, and what to do with the rest so it is working towards your long-term goals instead of sitting there as lazy capital. They talk through paying yourself first, separating business money from personal wealth, and why smart investing is less about chasing the next hot thing and more about building a simple, low-maintenance strategy that fits your life stage and exit plan.They also cover why super is still one of the most powerful tools for business owners, why ignoring it can backfire later, and how the right structure can help with both tax and asset protection. Along the way they touch on what is been happening across markets, from crypto swings to rate moves and policy noise, and bring it back to the fundamentals that keep you calm, consistent, and in control.If you are a business owner with cash piling up in the company account and you are not sure what to do next, this episode will help you create a clearer plan, de-risk your family’s future, and make your money work harder without drowning in spreadsheets.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailThinking of selling your business? Start hereWhat actually makes a business sellable? In this episode of The Winner’s Playbook, Billy sits down with business mentor Baz Gardner to unpack the real reasons businesses sell (or don’t). They go beyond the surface-level advice and dive deep into the psychology of letting go, why so many owners sabotage their exit, and what buyers are actually looking for when it's time to pass the baton.Baz shares what he’s seen work (and fail) after helping hundreds of businesses through succession and sale, including the mindset shifts needed, the danger of ego attachment, and why strong leadership teams matter more than just your bottom line. They also cover what buyers want to see, what multiples really mean, and how to reduce key person risk so you’re not the roadblock to your own payday.If you’re building a business you want to eventually sell or hand over, this episode will save you years of pain. The best time to start planning is always earlier than you think.Find Baz:Baz Facebook: https://www.facebook.com/iambazgardner/ Baz LinkedIn: https://www.linkedin.com/in/bazgardner/ Baz YouTube: www.youtube.com/@TheSocialAdviser----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailInsurance isn't exciting. But losing everything is.In this episode, Josh and Billy keep it real about personal insurance and why it’s one of the most important (and misunderstood) parts of your financial plan. They unpack the different types of cover including life, TPD, trauma and income protection, and explain what they actually do, who needs them, and how much is enough. They also break down how to structure policies inside or outside super, the real risks of default cover, and how to avoid getting caught with junk insurance that won’t pay when it matters.They share personal stories and real client claims that show the power of getting this right. You’ll hear how a well-timed payout can save a family from financial ruin, how trauma cover works when you're still able to work, and why your income is your most valuable asset. Whether you're a parent, business owner, or just starting out, they explain the biggest traps to avoid, how to reduce costs over time, and what to expect if you ever need to claim.If you’ve been putting off sorting your insurance, this is the episode that might change your mind. The best time to get covered is before you need it, and getting it right could be one of the smartest financial decisions you ever make.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailThinking about private school? This one’s for you.In this episode of The Winner’s Playbook, Josh and Billy break down the real cost of education and how to plan for it. From $100k Catholic schools to $400k+ elite private education, they explain how school fees can blow out fast and why most families don’t realise just how much they’ll spend over 13 years. They share personal stories, the pros and cons of public vs private, and how education choices shape not just your kids’ future but your own financial security.They also explain how to structure your savings and investments to avoid stress later. Whether you’re paying out of cashflow, building an education fund, using investment bonds or setting up offset accounts, they walk through practical strategies to stay in control. Plus, they talk about grandparent help, investment options, and why comparing yourself to other families is a trap.If you're juggling a mortgage, super, and the desire to give your kids the best start in life, this is a must-listen. A financially secure household beats a school logo any day.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailHave you lived or worked in the UK? You could be entitled to thousands in extra pension payments for life.In this episode of The Winner’s Playbook, Josh and Billy unpack the UK state pension and why it matters for Australians who have spent time working in the UK, even decades ago. They explain how the system works, how it compares to Australia’s age pension, and what the upcoming changes in April 2026 mean for anyone thinking of topping up their pension years.They also cover how to check your national insurance record, what to do if you have gaps, and why this could be a once-in-a-lifetime opportunity to secure a valuable income stream. Plus, they dive into estate planning strategies around superannuation tax and share a few client stories that show just how easy it is to miss out if you don’t take action.If you or someone you know has worked in the UK, this is a must-listen. It could put thousands of dollars back in your pocket for very little effort.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan Mail Thinking about growing your wealth smarter and faster this year? In this episode of The Winner's Playbook, Josh and Billy break down how different tax structures can either boost or drag on your wealth. From sole traders and companies to family trusts, superannuation, and investment bonds, they walk through how each structure works, when it makes sense to use them, and how business owners can avoid costly mistakes.They also dive into the concept of tax drag, a must-know for anyone trying to build serious wealth, and explain how using a bucket company can potentially add more than $1 million to your portfolio over time. It's all about structure, timing, and having the right advice from the start.Need help figuring out which structure is right for you?Book a free 15-minute call with a Link Wealth adviser today. Head to the show notes to get started.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailMost people have good money intentions, but few turn them into habits that last. In this episode of The Winner’s Playbook, Josh and Billy break down simple financial systems you can actually stick to.They cover a practical yearly money calendar, a savings rule you won’t quit, and an investment routine that runs quietly in the background. Plus, they discuss why comparing your finances to friends or social media can hold you back, and why focusing on your own household, values, and decisions is what drives real progress.If you’re ready to reset your mindset and build better money habits for 2026, this episode helps you cut through the noise and focus on what truly matters.𝗪𝗮𝗻𝘁 𝗵𝗲𝗹𝗽 𝗯𝘂𝗶𝗹𝗱𝗶𝗻𝗴 𝘀𝗺𝗮𝗿𝘁𝗲𝗿 𝗺𝗼𝗻𝗲𝘆 𝗵𝗮𝗯𝗶𝘁𝘀 𝗳𝗼𝗿 𝟮𝟬𝟮𝟲?Head to the show notes to book a chat with a Link Wealth adviser.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailWhy betting big on a single stock can backfireWhen a single stock skyrockets, it’s easy to get caught up in the hype. But what happens when it all comes crashing down? In this episode of The Winner’s Playbook, Josh and Steve break down the recent drama surrounding DroneShield, a company that surged from cents to dollars before plummeting to just a share. They unpack what really happened, including the timing of the CEO’s multimillion-dollar sell-off and a retracted company announcement that shook investor confidence.But this isn't just about one stock. Josh and Steve use this real-life case to dig into the risks of investing in individual shares, the red flags to watch for, and why diversification matters more than ever. They also share some of their own investing mistakes, from speculative gold stocks to a ski accident payout that disappeared faster than it came. You’ll walk away with honest insights and a few laughs that make these hard money lessons easier to digest.If you're holding a single stock and wondering whether to sell or hold, this episode will give you clarity, perspective, and a smarter way to think about your portfolioWant help building a diversified investment plan that actually suits your goals? Book a free 15-minute chat with a Link Wealth adviser through the show notes. No pressure, just a real conversation about what’s right for you.Nominate someone here: [https://ap1.hubs.ly/y0nNgF0]Get in touch with Steve:https://www.linkwealth.com.au/steve-sloane-linkhttps://www.tiktok.com/@stevesloanefinadviser----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailAged care isn’t something most people want to think about, but when the time comes, families are often caught off guard. In this episode of The Winner’s Playbook, Billy is joined by Daniel McCarthy from Sky Advisors in Tasmania to unpack the real costs of aged care, how Centrelink actually works, and the decisions families need to make when a parent or loved one can no longer live at home.They cover what most people get wrong, what fees to expect, how the family home is treated, and why waiting until the last minute can cost you emotionally and financially. Dan also shares the most common myths and mistakes he sees, from panic-selling homes to gifting strategies that backfire, and why good advice can make a huge difference in one of life’s most difficult transitions.If you're navigating aged care for a parent, preparing for your own future, or just want to better understand the system, this episode will leave you feeling informed and supported.We are also running our Christmas Pro Bono Giveaway, offering a complete financial advice package to someone who needs extra support this holiday season. Check the show notes if you would like to nominate someone. Want help navigating aged care? Head to the show notes to book a free 15-minute call with a Link Wealth adviser who understands aged care advice inside and out.Nominate someone here: [https://ap1.hubs.ly/y0nNgF0]Get in touch with Daniel:https://skyadvisers.com.au/https://www.linkedin.com/in/daniel-mccarthy-54461a78/----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailCash isn’t just for emergencies: How to make your money work harderGot cash sitting in your account doing nothing? In this episode of The Winner’s Playbook, Josh and Billy break down how to make your money work harder without taking unnecessary risks. They unpack how to structure your cash across offset accounts, high interest savers, term deposits, and even low-risk cash alternatives like Latrobe. You’ll learn how to build buffers for emergencies, save for big goals, avoid common traps, and choose accounts that actually reward you. Plus, they share stories about gold bullion, veggie gardens, and why some retirees still hoard wads of cash under the bed.If you’re unsure where your cash should sit, or how much is too much in the wrong place, this episode will give you the clarity you need.Want help making your cash work smarter?Head to the show notes to book a free 15-minute chat with a Link Wealth adviser.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailGearing: how to use debt to grow your wealth (without blowing it all up)Gearing sounds risky, but done right, it can fast-track your path to wealth. In this episode of The Winner’s Playbook, Josh and Billy break down exactly what gearing is, how it works with both property and shares, and why some strategies amplify your upside while others come with serious traps. They cover key concepts like loan-to-value ratios, debt recycling, gearing inside super, and the difference between positive and negative gearing. You'll also hear real examples of what went wrong during the GFC, when margin loans collapse, and how to structure your loans properly to avoid tax and admin headaches.Whether you’re already investing or just starting to think about it, this episode will give you the clarity to decide when using debt makes sense and when it doesn’t.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailCutting insurance costs without cutting cornersHome, car, health, life, trauma, income protection... insurance is one of those things you need but hate paying for. And with premiums on the rise, a lot of people are asking, "How can I cut the cost without leaving myself exposed?"In this episode of The Winner’s Playbook, Josh and Billy break down the smart way to review your insurance without risking your future. From home and contents to life and income protection, they unpack how to make sure you're not overpaying for things you don't need, and that you’re actually covered when it counts. They explain stepped vs level premiums, linking cover vs standalone, and which policies you can pay through super. You'll also hear real stories of where people go wrong, how to spot traps in the fine print, and the one type of insurance almost everyone forgets to check.If you're paying for insurance but not sure what you're really covered for, this episode will help you audit your policies, cut unnecessary costs and keep your safety net strong.Want a second opinion on your cover? Book a free 15-minute call with a Link Wealth adviser and we’ll help you figure out what you actually need.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailComing home? What returning expats need to know about tax, super and moneyIf you’re an Aussie moving back after a stint overseas, this episode is your essential money checklist. Josh and Billy dive into what you need to know before and after you return, including tax residency rules, superannuation strategies, insurance cover, investing, estate planning and what to do with foreign income. They talk about real client stories, common mistakes, and how to avoid a nasty tax surprise like a huge unpaid HECS debt.There’s also a big opportunity for returning expats to boost super balances fast, using catch-up rules and smart contribution strategies. But only if you get the timing right. Josh and Billy break it all down in simple, relatable language with plenty of practical advice.If you're planning a move home or have recently returned, don't wing it. Get your ducks in a row and talk to a professional who understands cross-border finance.Looking for a smoother way forward? Check the show notes to book a free 15-minute call with a Link Wealth adviser and get clarity on your next steps.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailConfused about what the new super tax changes really mean?In this episode of The Winner’s Playbook, Josh and Billy unpack the latest changes to the controversial Division 296 tax and what they mean for Australians with large superannuation balances. They explain how the policy has shifted, including the scrapping of the tax on unrealised gains, and what the new $3 million and $10 million thresholds actually mean in practice. You’ll also hear about smart strategies like contribution splitting between partners, why high-income earners and business owners need to think ahead, and how to future-proof your retirement planning.The conversation isn’t just about rules and numbers. It’s about mindset, long-term thinking, and how to tune out the noise when it comes to policy changes. Josh even drops in a backyard story about some rebellious chickens, making this a surprisingly fun and human take on a serious topic.If you’re confused about what to do with your super, worried about upcoming tax changes, or just want a clear, honest explanation without all the technical fluff, this episode will give you the clarity you’ve been looking for.📞 Want to talk through how these changes might affect your own super strategy? Book a free chat with a Link Wealth adviser today. Just scroll down for the website link.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailGold just hit record highs… but is it too late to buy?The price of gold just smashed through an all-time high, and suddenly everyone wants in. But is this a smart move or classic FOMO?In this episode of The Winner’s Playbook, Billy and Steve break down why gold has surged, whether the hype is justified, and what Aussie investors need to consider before jumping in. They unpack why central banks are buying gold in bulk, how it compares to other asset classes, and why gold is seen as a safe haven when uncertainty spikes.They talk through the different ways to get exposure (ETFs, bullion, miners), the risks of mining stocks, and why storing physical gold might not be as practical as people think. You’ll also hear how gold behaves differently to shares or property, how to think about allocation and liquidity, and what smart diversification looks like in today’s market.This is not a hype train. It’s a practical guide to gold investing, from two people who manage money for a living. If you’re holding gold, thinking about buying some, or just wondering if you missed the boat, this episode will help you make a more informed decision.Get in touch with Steve:https://www.linkwealth.com.au/steve-sloane-linkSteve's TikTok:   / https://www.tiktok.com/@stevesloanefinadviser----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailMoving to Singapore? What Aussies need to know about tax, residency and expat lifeThinking about making the move to Singapore? Whether it is for a career opportunity, lifestyle change, or lower taxes, there is a lot more to it than just hopping on a flight.In this episode of The Winner’s Playbook, Josh is joined by Tristan Perry, Managing Director of Tax and Accounting at RP Financial Private in Singapore. Tristan is an Aussie expat himself and a leading expert on Australian tax residency, foreign pensions, and expat structuring. Together, they unpack everything Australians need to know before making the move.They cover how to exit the Australian tax system properly (and the common mistakes people make), how Singapore’s tax rates compare, how capital gains are treated, and why tax residency is not just about where you live. You will also hear the truth about the cost of living in Singapore, how much you need for international schooling, and why cars and rentals can hit your wallet harder than you think.This episode also explores the benefits and risks of offshore investing, how the deemed disposal rules work, and why structuring your assets the right way could save you millions. Josh and Tristan also discuss the rise of Aussie founders moving their businesses to Singapore, how to use foreign pensions, and what the future of global advice might look like.If you are planning a move or just curious about life and finance as an expat, this is a must-listen. Check the show notes to connect with Tristan or book a call with the Link Wealth team to get tailored advice before you make the leap. Get in touch with Tristan:https://www.linkedin.com/in/tristan-perry----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan Mail𝗪𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗳𝗮𝗹𝗹 𝗳𝗼𝗿 𝗮 𝘀𝗰𝗮𝗺? 𝗛𝗲𝗿𝗲’𝘀 𝗵𝗼𝘄 𝘁𝗼 𝘀𝗽𝗼𝘁 𝗼𝗻𝗲 𝗯𝗲𝗳𝗼𝗿𝗲 𝗶𝘁’𝘀 𝘁𝗼𝗼 𝗹𝗮𝘁𝗲! Scams and hacks are getting more sophisticated every day. From phishing texts and deepfake video calls to fake investment platforms and remote access attacks, it’s getting harder to tell what’s real and what’s a trap.In this episode of The Winner’s Playbook, Josh and Billy break down the scams they’ve seen firsthand, including stories from clients, friends and even their own families. They cover the most common red flags, from too-good-to-be-true returns to fake tax documents and duplicate accounts on TikTok pretending to be financial advisers.They also unpack how these scams work, why they’re getting harder to detect, and how scammers use emotion and urgency to hook you in. Plus, they’ll give you practical tips to protect your accounts, your identity, and your money using habits like two-factor authentication, strong passwords, banking alerts and safe money transfers.If you’ve ever received a dodgy email, a weird text from your “bank,” or been curious about how scammers really operate, this episode will give you clarity, confidence and a few laughs along the way.Subscribe, leave a comment, and share this one with your family, especially the older generation.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailSold a car? Got a bonus? Received an inheritance? A sudden lump sum can be a massive opportunity, but if you don’t have a clear plan, it’s easy to waste it or make the wrong moves.In this episode, Josh and Billy break down what to do when a big chunk of money lands in your lap. They talk through how to set priorities, avoid emotional decisions, and structure your money in a way that actually pushes you forward in life.You’ll hear how to decide between paying down debt, investing in shares or property, keeping some cash on hand, or using the money to upgrade your life. They also cover dollar cost averaging, debt traps to avoid, offset accounts, emergency funds, and the risks of rushing into investments (especially the ones you find on social media ads).Whether it’s 50 grand or five million, this episode will help you pause, get clarity, and use your lump sum in a way that builds real momentum.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailETFs made simple: how to build a strong investing foundationETFs have become one of the easiest and most effective ways to start investing, but with thousands to choose from, it can get overwhelming fast. In this episode of The Winner’s Playbook, Josh and Billy strip it right back and talk about how to keep investing simple using ETFs and index funds.They cover what ETFs actually are, why they’re a great way to get started, and how they compare to stock picking. You’ll hear real stories from their early investing days (including some flukes and facepalms), and why most people are better off with a core ETF portfolio rather than chasing hot trends.They also dive into the pros and cons of active versus passive investing, how to avoid doubling up on the same holdings, and why rebalancing matters more than most people think. Plus, they explain the hidden costs, platform differences, and how to structure your investments in and outside of super.If you’ve ever asked, “Where do I even start with investing?” this episode is a clear, practical roadmap that can help you build confidence, stay consistent and grow your wealth over time without all the noise.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailThe US insider takeaways every Aussie investor should knowBilly’s just back from a whirlwind trip through Harvard, MIT, New York and LA, meeting with some of the biggest fund managers in the world. In this episode, Josh and Billy unpack what he learned and what it means for Australian investors.They dive into the rise of private assets like private equity, credit and infrastructure, and why the best companies are no longer going public. You'll hear why this is a game-changer for everyday investors, what the real risks and rewards are, and how to actually get access.They also break down the differences between the US and Australian advice models, the impact of mega-stocks dominating markets, and why relying on the nightly news is the worst way to stay informed.This one's a mix of insider intel, investment trends and plenty of laughs, including a very sweaty elevator story from a New York boardroom. If you’ve ever wondered what the wealthy are doing that you're not, or how to take your portfolio beyond just shares and property, this episode is for you.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailWhat a good financial adviser should actually help you withThere’s a lot more to financial advice than just picking a few shares or tweaking your super. In this episode of The Winner’s Playbook, Josh breaks down the eight core areas every solid financial plan should cover, no matter where you're at in life.He walks through what real holistic advice looks like, starting with your goals and then covering everything from superannuation, debt, tax, and investing, through to estate planning, personal insurance, and even the role cashflow plays in helping you stay on track. It’s the full picture, not just a quick fix.You’ll also hear how good advice ties everything together so you can build wealth, protect your family, and make smarter decisions with confidence. Whether you’re in your 30s and just starting to get serious about money or thinking about what retirement might look like, this episode gives you a clear roadmap of what to expect from a great adviser.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailNew first home buyer rules are here. What you need to knowMassive 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 𝘀𝘂𝗽𝗽𝗼𝗿𝘁Both 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/fspower50Thank you for backing our team and being part of the Link Wealth community.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailWhy rentvesting is the strategy more buyers are choosing nowCan’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.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailTax 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.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailYou don’t need a head start: how to build wealth from scratchThink 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.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailWhy most budgets fail and what to do insteadBudgets 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 followThe bucket system we use with clients that keeps cash flow on track without feeling restrictiveThe difference between short-term cutbacks and long-term lifestyle changesWhy one-size-fits-all budget rules don’t work for everyoneHow to bounce back after a bad month without throwing in the towelIf 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.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailTalking to your parents about money, wills & what comes nextIn 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.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailIf 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.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailThinking 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.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailNo 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. ----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailCombining finances with your partner can be a game-changer or a total mess if you’re not on the same page.In this episode, Billy and Steve break down the real-world pros and cons of combining money in a relationship. They talk through common setups couples use (from full joint accounts to hybrid models), why shared goals matter and the red flags to watch for in each other’s money habits.They also dive into why it’s not always about the split, but about being open, honest, and realistic, especially when life gets busy, kids come along, or income levels differ. From second relationships to financial blow-ups and bouncing back, they cover the messy, practical side of making money work as a team.If you’ve ever argued over spending, stressed about joint expenses, or just want to set up your finances in a way that works for both of you, this episode is full of honest insights and straight-up advice.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailWith Division 296 set to kick in from July, Aussies with over $3 million in super could be hit with a new tax, and for some, that bill could run into the millions.In this episode of The Winner’s Playbook, Josh and Billy break down how Division 296 works, who it affects, and why it’s causing such a stir. They unpack the real-life case of a self-managed super fund holding over $1.7 billion in shares and explore what this new tax means for high-net-worth investors, farmers, and anyone with illiquid assets in super.They also explain why super is still one of the most tax-effective ways to build wealth, how other structures like family trusts and investment bonds compare, and what you can do if your balance is creeping toward the limit.If you’re planning for retirement or just want to understand what these changes could mean for your future, this episode is packed with smart insights straight talk and real strategies.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailFinding the right financial adviser can change your whole life. Pick the wrong one, and it can cost you time, money and trust.In this episode, Josh and Billy lift the lid on what really makes a great adviser. They share what to look for, what to avoid and how to spot red flags early, especially when it comes to product pushers, dodgy social media “finfluencers” and anyone flogging off-the-plan property for a quick commission.They also break down what a good adviser relationship should feel like, why it’s not just about qualifications, and how a great adviser should challenge your thinking, not just say yes to everything. Plus, they explain how proper financial advice is about clarity, strategy and accountability, not just finding you a cheaper product. Whether you’re thinking about getting advice or wondering if your current adviser is the right fit, this episode will give you a real-world guide to getting it right.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailWhat makes a great investment property? It's not just the postcode or the price tag.In this episode, Billy sits down with buyer's agent Kev Tran to unpack what smart property investing actually looks like. Kev shares his approach to choosing the right locations, avoiding the common traps, and why data always beats hype.They cover everything from off-the-plan risks and buyer psychology to what makes a sustainable portfolio. Kev also explains the real difference between investors who stop at one property and those who go on to build lasting wealth.If you're thinking about investing, this chat is packed with practical takeaways and straight-talking advice to help you get it right.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailMindset isn’t just a buzzword. It’s the foundation for how you show up in life and business.In this episode of The Winner’s Playbook, Josh sits down with Baz Gardiner, a business mentor with over 65,000 hours of deep conversations under his belt. Baz shares the patterns he’s seen across countless business owners and high performers, and why your mindset, self-worth and sense of purpose matter more than any strategy.They dive into personal responsibility, fear, ego, burnout, and what really separates those who thrive from those who get stuck. Baz also explains why traditional financial advice often misses the mark and how your personal growth and financial success are more connected than most people realise.If you’re feeling off-track, questioning what’s next, or just want to do the inner work to get more out of your business and life, this episode is packed with raw honesty, smart thinking and practical steps to help you reset.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailRetirement might feel like the finish line, but there’s a lot to figure out before you get there.In this episode, Josh and Billy take a deep dive into what really matters in the lead-up to retirement. From how much you actually need, to where your income will come from and how Centrelink fits into the picture, this one covers all the essentials.They unpack common myths (like relying too heavily on the family home or investment properties), explore smart strategies for boosting your age pension entitlements, and share real stories from clients who’ve made big moves to set themselves up for retirement.You’ll also hear tips on the downsizer contribution, annuities, healthcare cards, and how to plan ahead so you don’t get caught out. Whether retirement is right around the corner or still a few years away, this episode is packed with insights to help you take control and retire with confidence.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailThink you’ve left it too late to turn things around financially? Think again.In this episode, Josh and Billy bust the myth that you need to have it all figured out by your 30s. They break down why it's never too late to get back on track, and how to build a future you’re excited about—no matter your age or starting point.They share stories from real clients who made big changes in their 40s and 50s, talk through common fears like comparison and regret, and explain how a few smart moves can go a long way. You'll hear practical tips on facing your financial reality, making the most of your income, and even using your life experience to your advantage.Whether you’re feeling behind or just want a fresh perspective on what’s possible later in life, this episode is packed with honest conversation, useful strategies, and a reminder that it’s never too late to rewrite your money story.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailThe election’s over, but what does that mean for your wallet? In this episode and Billy sit down with Belinda from Tax Invest Accounting. She’s been in the game for over 20 years and knows exactly how to break it down. They talk through how the results could impact your finances no political spin, just a straight-up chat about what everyday Aussies should be thinking about now, from possible tax changes to what business owners need to prepare for.They also dig into a hot-button issue that’s hitting a lot of people hard: HELP debt (aka student loans). Belinda shares why it’s time to stop ignoring it and start making a real plan to deal with it.If you're feeling a bit rattled after election week or just want to know what to do next with your money, this episode is for you.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailMost people know they should be doing something with their money but what that “something” is can change a lot depending on where you’re at in life. In this episode, Josh and Billy break it all down by life stage, from your twenties through to your forties and beyond.In this episode, they cover the money moves that matter most at each stage, the common traps people fall into, and how to avoid trying to do everything all at once. You’ll also hear their thoughts on why clarity is more important than chasing trends, and how getting the basics right early can save you a ton of stress later.Whether you’re just starting out or trying to course-correct, this one’s packed with real talk and practical advice to help you make smarter decisions with your money wherever you're at right now. ----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailChoosing the right tax structure for your business might not sound exciting, but it’s one of the most important decisions you’ll make and one that way too many people get wrong. In this episode, Josh and Richard break down the different types of business structures in Australia sole trader, company, trust and explain how each one affects things like tax, asset protection and your ability to grow.They also talk about why you shouldn’t try to figure this stuff out on your own. You need the right team around you think accountant, advisor, broker, maybe even a lawyer or buyer’s agent to make sure everything’s working together. If you’re running a business or thinking about starting one, this episode will help you avoid some expensive mistakes and set yourself up the smart way.If you want to get in touch with Richard, click here to book your free consultation: Richard Ferraro - Accountant----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailFor decades, retirement meant working hard until 65, then clocking off for good. But is that model still working?In this episode, Josh and Billy unpack the big shift in how we think about retirement. From the rise of FIRE (Financial Independence, Retire Early) to part-time work, passion projects and semi-retirement, they explore what modern retirement really looks like, and how to plan for it.They dive into how much money you actually need to stop working, why younger generations are questioning the old-school model and how to build flexibility into your future.If you’ve ever wondered whether there’s a smarter way to retire (or if you even want to), this one’s for you. ----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailThe markets just got rocked and it’s all thanks to a bombshell announcement from Donald Trump. In this episode, Josh and Billy unpack what’s behind the sudden crash and why a new wave of tariffs has everyone from Wall Street to Aussie investors on edge.They break down what these tariffs actually are, why they spooked the market so badly, and how different industries, like tech and manufacturing, are reacting. They also dig into what this could mean for inflation, the economy and your investments.Is this just a short-term wobble, or the start of something bigger? And what should everyday investors do when the market goes into meltdown mode? Josh and Billy keep it real, cut through the noise and help you make sense of what’s going on.If you’ve seen the headlines and wondered, “What the hell is happening?”, this one’s for you.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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. 

Send us Fan MailInterest rates have shot up in recent history and it’s left a lot of people wondering, what should I actually be doing with my money right now?In this episode, Josh and Steve break down how a higher interest rate environment is changing the game when it comes to saving, investing and even borrowing.   They chat through what this means for things like your mortgage, super, shares, and savings accounts and whether property and stocks are still worth it in 2025.They also get into smart ways to make your money work harder in a high-interest world, what to watch out for and how to adjust your strategy without freaking out.Whether you’re saving for a goal, thinking about investing, or just trying to make sense of it all, this episode will help you cut through the noise and figure out your next move.----Want to find an Adviser that suits your financial needs:https://www.linkwealth.com.au/Get in touch with Josh: https://www.linkwealth.com.au/josh-lee-link Get in touch with Billy:https://www.linkwealth.com.au/billy-norman-linkJosh'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/wealth-simplified   Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide ----    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.