Small business insolvencies are rising and many owners don’t see the warning signs until it’s too late. We break down the financial red flags that show your business might be heading for trouble. We cover maxed-out credit cards, late super payments, ATO debt, director loans, and the danger of not knowing your breakeven point. If you run a business, this is what you need to hear before it’s too late.

On this episode, we discuss:

(00:00) Intro
(00:25) Why Insolvency Rates Are Rising Among Small Business Owners
(02:54) Red Flag #1: Maxed Out Credit Cards & Overdrafts
(05:14) Cashflow Forecasting and Why It’s Essential
(07:48) Red Flag #2: Late Super Payments and the Hidden Penalties
(13:50) Red Flag #3: Lodging BAS and Tax Returns Late
(21:32) Monthly Budgeting to Avoid Death by a Thousand Paper Cuts
(25:42) Red Flag #4: Spending GST, PAYG and Tax Savings
(27:25) Red Flag #5: Drawing Business Funds Without Div 7A Management
(34:14) Red Flag #6: ATO Payment Plans and Why They’ll Cost You More
(36:33) Red Flag #7: Not Knowing Your Breakeven Point

Check out the free resources from Inovayt here.

Send us an email: hello@thenumbersgamepodcast.com.au

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

We take a look at why some businesses thrive while others barely survive, breaking down gross vs net profit, how margins impact your bottom line, and why choosing (or tweaking) the right business model is key to long-term success.

On this episode, we discuss:

(00:00) Intro
(01:17) Choosing The Right Business For Your Future Income
(02:29) Gross Profit Vs Net Profit Explained
(03:32) Passion vs Profit: The Reality Of Running A Business
(07:03) Why High Gross Profit Gives You Flexibility
(08:37) Construction Industry’s Slim Margins And High Risk
(9:46) The Costly Impact Of A Bad Contract
(13:14) Focusing On High-Margin Work To Reduce Risk
(15:25) Smart Business Model Tweaks That Increase Profitability
(17:47) Examples Of Businesses Pivoting For Better Margins
(24:36) Why Strategic Thinking Beats Passion Alone

Check out the free resources from Inovayt here.

Send us an email: hello@thenumbersgamepodcast.com.au

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Is the Olympic model broken? We are “diving” into the rise of the Enhanced Games - a new competition where athletes are encouraged to use performance-enhancing drugs. We unpack the ethical dilemmas, money gaps, and whether doping could actually disrupt the traditional sporting world for good.

On this episode, we discuss:

(00:00) Intro
(00:16) Hot Swimmers, Big Muscles, And A Million-Dollar Question
(01:14) What Are The Enhanced Games?
(03:06) Olympic Athletes Pay Explained
(06:00) Would Paying Olympians Solve The Ethics Problem?
(07:18) Super Shoes Vs. Steroids: Where Do We Draw The Line?
(08:26) Faith Kipyegon And The Nike-Backed 4-Minute Mile
(10:50) PEDs, Records, And A Million Bucks
(14:36) Would You Medicate Your Team For Better Performance?
(16:13) Boxing, F1, And Risk-Reward In Modern Sport
(18:01) Do Enhanced Athletes Belong On The Same Stage As Olympians?
(19:03) The Normalisation Dilemma: What Message Are We Sending?
(20:00) IOC’s Wake-Up Call - Time To Share The Pie
(21:07) Enhanced Games Vs Olympic Games: Who Wins The Future?

Check out the free resources from Inovayt here.

Send us an email: hello@thenumbersgamepodcast.com.au

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Australia is heading for its biggest wealth shift in history - and it’s already begun. With over 140,000 Aussies retiring every year, we dive into how the "silver tsunami" of Baby Boomers is set to transform our economy, workforce, and financial planning industries. From aged care and superannuation to legacy planning and retirement housing models, we unpack the opportunities and challenges for both retirees and the generations following them.

On this episode, we discuss:

(00:00) Intro
(00:19) Why Retiring Boomers Could Break the Economy
(04:14) Big Economic Impacts: Healthcare, Aged Care & Labor Force
(06:20) Baby Boomers Fueling Demand for Financial Planning
(07:22) Why Some Retirees Blow Their Wealth
(08:41) The Trillion-Dollar Super Shift
(09:38) Why Boomers Don’t Like Spending Their Money
(10:48) Legacy Planning: Helping Your Kids While You’re Alive
(14:27) What’s a Land Lease Retirement Community?
(16:55) Should You Buy or Rent in Retirement?
(21:16) Should You Talk to Your Parents About Retirement?
(22:50) Understanding How Super Re-Contribution Works
(25:16) Business Owner Retirements & CGT Planning

Check out the free resources from Inovayt here.

Send us an email: hello@thenumbersgamepodcast.com.au

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Today we crack open the limiting beliefs that shape our lives and businesses. Marty leads us in a session exploring the emotional baggage we carry from childhood - around money, confidence, and self-worth - and how it still impacts our adult identity, performance, and decisions. From childhood weight struggles to money scarcity mindsets, we open up in a raw conversation about what’s holding us back and how to break through.

On this episode, we discuss:

(00:00) Intro
(00:55) The Difference Confidence Makes in Your Business
(01:32) Jase and Nick Share Childhood Beliefs They Still Carry Today
(07:06) Reframing Your Past Without Losing Gratitude
(10:24) The Business Course That Changed Marty's Life
(12:20) Breaking The Pattern Of Self-Sabotage
(15:37) From Survival Mode To Abundance Mindset
(17:40) How Identity Coaching Impacts Business Growth
(19:51) Why People Earn What They Believe They Deserve
(22:15) The Fear Of Not Being Good Enough
(23:10) Nick Explains How Golf Mirrors Identity And Self-Sabotage
(30:42) Jase's Live Coaching Session Begins
(35:42) The Role Of A Coach In Rewiring Belief

Check out the free resources from Inovayt here.

Send us an email: hello@thenumbersgamepodcast.com.au

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Interest rates aren’t going back to 2%, so how do you plan for the new normal? Today we talk about why 5-6% mortgage rates are here to stay, how government spending, inflation, and housing supply are driving long-term change, and what that means for buyers and investors. We share practical steps to future-proof your finances, from budgeting to refinancing to changing your property mindset.

On this episode, we discuss:

(00:00) Intro
(00:10) Are Low Interest Rates Gone For Good?
(02:45) The Reality Of 5% Interest Rates
(03:50) What Is The Goldilocks (Neutral) Cash Rate?
(05:39) Why The Cash Rate Might Stay Higher For Longer
(06:21) Government Spending’s Impact On Rates
(10:52) Housing Supply Issues And Construction Shortages
(11:48) Why Property Prices Aren’t Falling Anytime Soon
(15:35) Should You Fix Your Home Loan Rate?
(20:06) Stop Waiting For Rates To Drop - Build A Strategy Now

Check out the free resources from Inovayt here.

Send us an email: hello@thenumbersgamepodcast.com.au

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Is your pricing helping or hurting your bottom line? In this episode, we break down the real cost of undercharging and show you how to reset your pricing strategy for FY2026. From hourly rates to value-based pricing, we reveal the models that protect profits - plus the $10/hour tweak that added $240K to one business.

On this episode, we discuss:

(00:00) Intro
(00:35) Why End of Financial Year Is The Best Time to Review Your Pricing
(01:43) How Most Business Owners Get Pricing Wrong
(02:58) Hourly Rates: The Pitfalls You Didn’t Expect
(05:38) Reverse Engineering Your Fees for Profit
(08:19) Fixed Fee Pricing: When It Works and When It Fails
(10:16) Retainers, Fixed Fee and Value Based Pricing
(16:59) Hybrid Pricing Models and Where AI Might Fit In
(17:55) Real-Life Example: A $10/hour Price Rise That Added $240K
(22:10) Why Scale Magnifies Both Profit and Problems
(23:17) E-Comm, Discounts and the Pricing Trap
(24:11) Perceived Value: Why Charging More Can Help You Sell
(25:15) How Business Coaches Set Their Pricing
(32:01) Why Picking the Right Clients Is Part of the Profit Equation

Check out the free resources from Inovayt here.

Send us an email: hello@thenumbersgamepodcast.com.au

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.

Underperformers are costing businesses more than we realise - not just financially, but culturally. Today we unpack the true cost of poor hires, how to manage underperformance with empathy and accountability, and the leadership moves that create a high-performance culture. Whether you lead a small team or a growing company, this episode will sharpen how you hire, coach, and make the tough calls.

On this episode, we discuss:

(00:00) Intro
(00:15) Jase’s First Job at Macca’s and the Roots of High Performance
(02:36) Owning the Days You Underperform
(03:31) What Poor Performers Really Cost Your Business
(06:12) Filling Roles vs. Hiring the Right People
(08:31) How to Push for High Performance Without Being an Asshole
(12:43) Why Clear Expectations Matter in the Interview Process
(17:43) What Netflix Taught Us About Firing the Bottom 20%
(21:56) Why Performance Plans Can Help—Not Hurt
(25:19) Balancing Empathy and Accountability
(26:40) The Leadership Responsibility to Protect the Team
(29:00) Where to Start If You’re a Small Business Owner

Check out the free resources from Inovayt here.

Send us an email: hello@thenumbersgamepodcast.com.au

The Numbers Game is brought to you by Future Advisory & Inovayt.

Hosts:
Nick Reilly
Jason Robinson
Martin Vidakovic

This podcast is produced by VIDPOD.