In this lively second episode of Finance on Tap, your favorite trio—Dan, Baxter, and Nathaniel—dive into the big questions: What would you do with $10,000? Is renting smarter than buying? And how far should you go for a Montblanc pen? With their signature blend of banter and finance know-how, the guys unpack real-life spending habits, dissect the realities of the property market, and share personal stories of splurges, mistakes, and big wins. Plus, you’ll hear how a $9,000 deposit could secure a $750,000 house, why grants aren't always worth chasing, and the importance of being honest with your broker. All that—and some hot seat confessions—served with a side of dad jokes and dairy farmer milk prices.

If you love a cold beer and want to make smarter money moves, this one’s for you.

Episode Breakdown:

00:00 – 04:00
🎉 Opening Banter & Wardrobe Repeats
The guys catch up with some light-hearted jokes about outfits, journeys since Episode 1, and preparing to dive deeper into finance topics.

04:01 – 12:30
🔥 Hot Seat Game Begins: “What Would You Do with $10,000?”
The first finance game kicks off—with some unexpected answers. The crew discusses whether they’d invest in property, stocks, or maybe even drop it all on red.

12:31 – 17:00
🏡 The Property Bet & Armani Stakes
Baxter makes a bet to buy his first home before EOFY—or else it’s an Armani suit and a Clara handbag for his mates. The team reflects on how emotional and strategic first home buying can be.

17:01 – 23:00
💸 Cost of Living & Grocery Price Guessing Game
From milk to eggs, the boys riff on rising costs, affordability, and how inflation plays into real-life financial planning. A fun but relevant segue into budgeting.

23:01 – 28:30
🏘️ Can You Really Buy a Home with $10K?
Dan breaks down how using grants and guarantees can get you into a $750K house with as little as $9,000. Myth-busting the “you need $100K” idea.

28:31 – 33:00
🏠 Renting vs. Buying – What’s the Right Move?
Rentvesting, emotional decisions, and when grants actually hurt more than help. Real talk about buying smart and aligning purchases with your actual goals.

33:01 – 36:00
🖊️ The $1,000 Pen & Personal Splurges
From golf putter pens to Montblanc moments, the guys reveal their most outrageous purchases and what those taught them about money and mindset.

36:01 – 39:30
🚨 Loan Decline Horror Stories & Last-Minute Rescues
They share unforgettable moments when things almost fell apart—and how broker magic (and urgency) turned things around in days.

39:31 – 40:00
✅ Final Takeaways & Sign Off
Key lessons: talk to a broker before you splurge, grants aren't everything, and financial success is built on informed decisions (and a bit of beer banter).

Call to Action:
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In this high-energy debut of 3 Kings-Finance Podcast, mortgage brokers Dan, Baxter, and Nathaniel sit down to share the real, unfiltered journey behind the growth of Woodrow Finance — from humble beginnings to becoming one of the top-performing brokerages in Australia. This episode is equal parts origin story, business insight, and banter-filled bonding session.

Listeners will hear how each of the hosts found their unique path into the mortgage broking world, what drives them to serve their clients so passionately, and the lessons they’ve learned building a brand that thrives on authenticity, trust, and transformation. Whether you're a first-time buyer, a fellow broker, or just love a good hustle story, this episode delivers honest reflections, practical wisdom, and plenty of laughs.

📌 Episode Breakdown:

0:00 – Intro & Podcast Vibes

Meet the Three Kings: Dan, Baxter, and Nathaniel

The podcast’s purpose: sharing stories, journeys, and client wins

"Finance news that tastes like good finance news" — setting a fresh tone

3:00 – From Solo Dream to Growing Empire

How Woodrow Finance evolved from Dan’s solo dream to a booming brokerage

Doubling the team in 30 days and the milestones they've hit

Humble beginnings: the early hustle and personal sacrifices

8:00 – The Why Behind the Work

Each broker shares their “why” — what drives them in business and in life

Stoicism, challenges, and the "obstacle is the way" mindset

The power of long, heartfelt Google reviews

14:30 – How the Team Came Together

Baxter’s cautious start and eventual buy-in to the Woodrow vision

Nathaniel’s bold cold-call to a business partner that led to a surprise meeting with Dan

Shared values, trust, and backing each other from day one

20:00 – Finding Your Niche in Broking

Nathaniel: The First Home Buyer Specialist

Baxter: The Complex Deal Fixer who thrives on turning no into yes

Dan: The all-rounder with a heart for client wins and team growth

26:00 – Client Relationships & Long-Term Impact

Building trust through transparency and goal-focused lending

The importance of structuring loans with the future in mind

Why brokers are more than deal-makers — they’re life-changers

30:00 – Final Thoughts & Looking Ahead

The vision for Three Kings: real stories, real people, real finance

Celebrating growth — personal, professional, and for their clients

“Your vibe is your tribe” – how culture, connection, and community drive their success

🔥 Key Themes:

Authentic business growth

Client-centered lending

Mentorship and team dynamics

Navigating challenges in the finance industry

Turning vision into reality with confidence and care

🎯 Perfect For:

First home buyers looking for a human approach to finance

Aspiring brokers seeking insight and inspiration

Anyone who loves a real story about entrepreneurship and teamwork

📲 Subscribe now and join the journey as the Three Kings bring the human side of finance to the mic. New episodes, more stories, and real lessons — coming soon.