Send us a text

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 a 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-link

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

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

Most 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 a 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-link

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

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

Why betting big on a single stock can backfire

When 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 portfolio

Want 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-link

https://www.tiktok.com/@stevesloanefinadviser

----

Want to find a 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-link

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

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

Aged 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 a 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-link

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

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

Cash isn’t just for emergencies: How to make your money work harder

Got 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 a 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-link

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

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

Gearing: 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 a 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-link

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

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

Cutting insurance costs without cutting corners

Home, 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 a 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-link

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

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

Coming home? What returning expats need to know about tax, super and money

If 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 a 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-link

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

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