A first-home buyer did everything by the book and still lost $70,000 in three and a half years. Nick walks through the real numbers on a $495,000 boutique apartment in Carnegie, from strata fees that more than doubled to the government grants you can only use once, and what it actually cost when it came time to sell.

On this episode, we discuss:

(00:00) Intro
(00:23) Does Property Really Double Every 7 to 10 Years
(01:25) The $70,000 First Home Buyer Case Study
(02:48) Purchase Price $495,000 and the True Cost of Entry
(03:49) Rent Vesting in South Yarra vs Buying
(04:48) Why a Boutique Apartment in Carnegie Made Sense
(06:04) The Numbers Behind the $70,000 Loss
(07:30) Strata Fees from $1,500 to $4,000 Per Year
(08:35) Mortgage Repayments vs Rent, $700 vs $500 Per Week
(10:02) Sold for $480,000 and the Costs That Stacked Up
(11:11) Losing Access to the First Home Guarantee and Stamp Duty Savings
(13:17) How to Choose a Buyers Agent for Investment Property
(16:45) Why Rising Strata Costs Force Apartment Owners to Sell
(20:48) Land vs Apartments and Why Land Gives You Options

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

This podcast is produced by VIDPOD.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

AI agents are no longer just a buzzword. They're already automating real tasks in businesses and the speed of change is only accelerating. We share firsthand examples of how AI is boosting productivity, replacing manual processes, and why having a deliberate AI strategy is no longer optional for business owners.

On this episode, we discuss:

(00:00) Intro
(00:24) The Automation Course That Was Obsolete in Five Months
(02:21) What Is an AI Agent and Why Does It Matter
(03:03) Why AI Agents Are the Next Wave After Outsourcing
(05:17) Building a Deliberate AI Strategy With a Set Budget
(07:37) Why Most Business Owners Still Haven't Started With AI
(09:19) How AI Replaced Two Offshore Roles Processing 1,000 Emails a Day
(10:00) The Tool That Saves Brokers Three Hours Per Loan
(12:15) Automating Financial Statements for 500 Business Clients
(14:40) Why Teams Are Switching From ChatGPT to Claude
(15:23) The Security Risks of Running AI Agents on Your Devices
(17:45) When AI Deleted Half a Meta Executive's Inbox
(20:19) Controlling the Controllables in an AI-Driven World
(22:52) Why AI Is the Biggest Shift Since Social Media

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

This podcast is produced by VIDPOD.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Do you actually need a high income to build wealth? We see the same problem at every income level. You earn more, spend more, and still feel stuck. In this episode, we walk through six common mistakes that hold people back, from lifestyle creep and no clear plan, to how you use debt and think about building assets. It’s a clearer look at why income alone doesn’t lead to wealth, and what actually does.

On this episode, we discuss:

(00:00) Intro
(00:30) Do You Need A High Income To Build Wealth
(01:00) Why High Income Earners Still Live Paycheck To Paycheck
(02:10) What Wealth Means, Assets, Freedom And Income
(05:27) Lifestyle Inflation, Cars, Homes And Private School Fees
(07:28) Why No Plan And Bad Debt Stop You Building Wealth
(10:19) From Spending To Asset Accumulation
(13:49) Getting Strategy, Structure And Tax Right Early
(16:29) Growth Vs Income Assets And Why It Matters
(20:07) Using Your Business To Build Wealth
(21:56) Using Home Equity And Debt Recycling To Invest
(24:55) Overexposure, Cash Flow Risk And Forced Asset Sales
(26:00) Protecting Wealth With Insurance And Risk Planning
(28:33) Turning Assets Into Usable Wealth And Exit 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

This podcast is produced by VIDPOD.

Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.