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.

What happens when you build a property portfolio too fast and lose it all before you're 25?

Chris Christofi - entrepreneur, author, and CEO of Reventon - went from $348,000 in debt to leading one of Australia’s top property and financial services companies. With over $3.2 billion in property sales and 3,400+ clients helped, Chris shares the mindset, strategy, and resilience behind his 20 years in business.

We also dive into his philanthropic mission, from the Vinnies CEO Sleepout to raising $1M+ through his Lead With Kindness campaign. If you want to scale a recession-proof portfolio and live with relentless purpose, this episode is for you.

On this episode, we discuss:

(00:00) Intro
(01:37) How Reventon Started With $348K in Debt
(03:02) The Sales Hustle That Started at Age 10
(05:57) Chris’s View on the Property Market in 2025
(07:54) The Reventon Formula and Learning From Losing It All
(11:11) What Drives Chris Christofi After 20 Years in Business
(13:53) The Two Questions Chris Always Asks
(15:36) Lessons From Elite Athletes and Top Business Minds
(17:08) Execution Beats Perfection: The Power of Taking Shots
(17:52) How Reviewing the Last 20 Years Changed His Strategy
(22:10) How Divorce Forced a Personal and Business Reset
(24:43) Why Chris Is So Passionate About Ending Homelessness
(26:24) A Million Dollars Raised: The CEO Sleepout & Giving Back
(28:59) Juggling Business, Philanthropy, and Being a Present Dad
(38:45) Chris’s Personal Property Investment Experiment

Connect with Chris Christofi:

Personal
Chris's Website
Instagram
Facebook
LinkedIn

Business (Reventon)
Reventon Website
Reventon Instagram

Podcast – Relentless: Life On Your Terms
Watch on YouTube
Listen on Apple Podcasts
Listen on Spotify

Philanthropy
Lead With Kindness Charity

Book – Your Path to Wealth: Brick by Brick
Buy on Amazon

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.

Insurance premiums have skyrocketed - but why? In this episode, we break down what’s behind the soaring costs, why older income protection policies are being priced out, and how to structure your cover to stay protected without blowing your budget. From real-life case studies to smart tax hacks, we cover everything you need to know to protect your biggest asset: yourself.

On this episode, we discuss:

(00:00) Intro
(00:07) Why Have Insurance Premiums Skyrocketed?
(01:40) The 4 Main Types Of Personal Insurance
(02:36) How Income Protection Works (And Why It’s Crucial)
(05:58) Why Older Policies Are Being Priced Out
(09:59) What You Really Need To Cover: Mortgages, Education, Income
(12:08) How To Get Cheaper Premiums Without Sacrificing Coverage
(16:21) Case Study: Truck Driver’s Life-Changing Insurance Payout
(18:08) Case Study: Stroke Victim With Only Default Cover
(30:50) Super Hack: Use Your Super To Pay Insurance Premiums

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.

Thinking tax planning is just paperwork? Think again. In this episode, we unpack why proactive tax planning is a must for business owners—not just to save tax, but to boost cash flow, avoid nasty surprises, and build a stronger financial future. We break down structures, trust distributions, company loans, and real strategies to keep more money in your pocket.

On this episode, we discuss:

(00:00) Intro
(00:11) Why Tax Planning Isn't Boring—It's Crucial
(04:59) Family Trust Risks And ATO Crackdowns Explained
(07:33) What’s Actually Your Money? Planning Cash Reserves
(11:04) Loans From Companies: What Directors Get Wrong
(14:47) The Right Way To Use Offsets
(18:04) Are You Happy With What You’re Earning? A Brutal Check-In
(19:42) Business Planning Vs Personal Wealth Planning
(23:55) What A Tax Planning Meeting Actually Covers
(25:25) Legal Ways To Push Back Income And Reduce Tax
(30:04) What Real Value Looks Like: Advice That Pays For Itself

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.

Burnout is hitting business owners harder than ever. In this episode, we dive into the harsh realities behind the stats: why so many founders feel trapped in their own businesses, the difference between being a consultant and a business owner, and how to build a team without burning cash or yourself. If you’re wearing five hats and going nowhere fast, this one's for you!

On this episode, we discuss:

(00:00) Intro
(00:11) Why Business Owners Are Trapped Doing Everything
(04:21) Is Burnout A Badge Of Honour?
(05:22) Consultant Vs Business Owner – Which One Are You Really Built To Be?
(08:40) Scaling Without The Chaos
(09:29) Finding Your Zone Of Highest Impact
(11:23) Why Most Small Teams Underperform
(13:32) Sales Hires Can Be Risky
(14:05) Baby Steps To Growth
(17:20) Is Blitzscaling right for you?
(17:41) Build A Team Of A-Players Starting With Hire #1
(20:12) Jason's Lessons From Rapid Growth
(22:24) Plan Or Panic - The Trap Of Short-Term Thinking In Business
(23:24) Do You Actually Want To Grow? The Case For Staying Small And Profitable
(24:54) Fire Your Worst Clients And Earn More Doing Less

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.

How do you build long-term wealth without trying to time the market? Today we break down the power of dollar cost averaging and why it’s a proven strategy for growing your investments, especially in volatile times. We unpack how it works, why superannuation does it so well, and how rebalancing and automation can help you stay disciplined and reduce risk.

On this episode, we discuss:

• (00:00) Intro
• (01:21) What Is Dollar Cost Averaging and Why It Works
• (02:02) Why Timing the Market Rarely Works
• (02:44) The Courage Problem: Why Most Investors Miss Buying the Dip
• (03:48) A Real Example: Investing $200K Without the Risk
• (06:03) Why Superannuation Is the Ultimate Dollar Cost Averaging Machine
• (06:56) Big Change Ahead - Weekly Super Contributions from 2026
• (08:50) Why Losses Hurt More Than Gains Feel Good
• (09:59) Marty’s Numbers - Why Consistency Beats Trying to Time the Market
• (11:40) The Risk of Picking Stocks vs. Market-Wide Funds
• (12:05) What Is Rebalancing and How Does It Work?
• (13:25) How to Stay Balanced When One Investment Outperforms
• (16:32) The Hidden Tax Impacts of ETFs and Managed Funds
• (17:23) Why Dollar Cost Averaging Is Perfect for Business Owners
• (18:03) Warren Buffett’s Take: Just Keep Investing
• (21:41) Supercharging Super: Using Salary Sacrifice to Build Wealth
• (22:48) Why 90% of Day Traders Lose - and How to Avoid It

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.