The Finance Bible

Hosted by Zeke Guenthroth and Oscar Don

Business Education

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Episodes

138

Latest episode

May 2026

Language

EN-US

About the show

The Finance Bible podcast is your ultimate resource for financial freedom, personal growth, and business success. Hosted by Zeke Guenthroth and Oscar Don, this podcast is designed to help you achieve your goals through actionable insights, expert advice, and practical strategies. Each week, we bring you fresh episodes packed with valuable tips on a wide range of topics, including investing, property investment, saving, budgeting, shares, cryptocurrency, inflation, interest rates, wealth building, and debt management. But that’s not all—we also dive deep into personal growth strategies and business success tips, helping you develop the mindset and skills needed to thrive in every area of your life. Whether you’re just starting your financial journey, working to grow your business, or striving to improve personally, The Finance Bible equips you with the tools to create lasting success. It’s more than a podcast—it’s your guide to building a better future. DISCLAIMER: The information provided in this podcast is general in nature and does not constitute personal financial advice. It does not take into account your individual objectives, financial situation, or needs. Always consider whether the information is appropriate to your circumstances and seek advice from a qualified professional if needed. 🔗 Visit us online for more resources and insights #FinancePodcast #MoneyMatters #PersonalGrowth #BusinessSuccess #InvestingTips #FinancialFreedom #WealthBuilding #FinancialLiteracy #BudgetingTips #StockMarketInsights #DebtFreeLiving #CryptoInvesting #PropertyInvestment #SmallBusinessAdvice #RetirementPlanning #SuccessMindset

Listen to episodes

60 recent

September 8, 202615 min

OD #- 22 How to Spot a Market Before It's a Story

Perth’s biggest property buying opportunity showed up when the headlines were the most negative and that’s not an accident. Oscar walks through the real numbers behind Perth’s slide after the mining boom, the long stretch of falling prices, and the quiet shift that set up one of Australia’s strongest housing market rebounds. The punchline is simple: the city didn’t suddenly change, the news cycle did, and if you rely on media coverage to time a market you’re often years late. We dig into why that lag happens, from property data being reported well after the deals are done, to the media needing big, emotional moves to earn clicks, to the way momentum typically runs for two to three years. Along the way we compare today’s capital city medians and talk about why Sydney and Melbourne can look terrible in press while other markets cool under the surface. The goal isn’t to “ignore the news,” but to treat headlines as a lagging indicator and build your own simple dashboard. To make that practical, we lay out five boring numbers that can actually make you money: the supply pipeline (approvals and construction), listings and vacancy rates, whether the local economy depends on one industry or many, net interstate migration, and funded infrastructure and government spending. We also cover the risks of one-industry towns, why cheap can stay cheap, and how being early can beat being “right” at the same time as everyone else. If you want a clearer way to analyze Australian real estate markets without hype, hit play, then subscribe, share, and leave a review with the city you think the media is getting wrong. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

September 7, 202613 min

OD #21 - What Everyone's Got Wrong About the 2026 Property Changes

Negative gearing is “gone” is the loudest headline, and it is also the fastest way to make a bad decision. We sit down and sort the facts from the noise around the 2026 property tax changes and what flows into 2027, including who is actually affected, which investors are grandfathered, and why the definition of a “new build” matters more than most people realize. We walk through the new negative gearing rules for residential property, how quarantining rental losses changes cash flow, and what kinds of developments may still qualify for full tax treatment. Then we unpack the capital gains tax shake-up: moving away from the 50% CGT discount toward cost base indexation plus a minimum tax rate, and why inflation and your holding period can flip the result from better to worse. If you are thinking about selling, holding, or buying again, the math has changed and timing now matters. We also cover the SMSF bombshell: self managed super funds can still own residential property, but new limited recourse borrowing arrangements for residential purchases are off the table. That pushes many investors toward paying cash inside super or considering commercial property, which remains borrowable but demands careful tenant and location due diligence. Our bottom line is simple: tax rules change, but great property investing still comes down to fundamentals, not chasing deductions. If this helped, follow the show, share it with a friend who is confused about the new rules, and leave a review so more investors can find clear guidance. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

May 19, 202613 min

#108 - Stop Buying Properties To Lose Money

*Please note, this episode was recorded before the 2026 Federal Budget. Negative gearing gets sold as a cheat code, but what if it’s just a fancy way to normalise losing money? Zeke and Oscar get real about the negative gearing vs positive gearing debate and why most people arguing online don’t understand what they’re actually signing up for. We talk cash flow, tax deductions, and the difference between a strategy that looks good “on paper” and a deal that feels good every week. We break down the basics in plain English: negative gearing means your rent is lower than your expenses, so you run at a loss that can reduce your taxable income. Positive gearing means your rent covers the costs and you keep profit, which can increase your taxable income. Then we dig into the nuance most investors miss, like how depreciation and other costs can still create tax advantages even when the property is neutral or cash flow positive. The goal isn’t to worship one label, it’s to buy a property that makes sense before tax and doesn’t wreck your budget. From there, we go deeper into real-world property investing strategy: serviceability, borrowing power, and why cash flow can help you scale from one investment property to the next faster. We also challenge the myth that high rental yield means you must give up capital growth, and we walk through the long-term view where retirement income from rent can matter just as much as the final sale price. We wrap with a reminder that location selection is everything, and that future policy changes could make “tax-first” plans riskier than people think. If you want a clear, practical take on building wealth through real estate investing without getting trapped by bad math, hit play. Subscribe to the Finance Bible Podcast, share this with someone debating gearing, and leave a review with your take: are you team cash flow, team growth, or both? Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

May 13, 202614 min

OD #20 - The budget that was supposed to save young Aussies .... but didn't

They called it the most ambitious budget in decades and framed it as a win for young Australians, but when we read the fine print, the housing story gets uncomfortable fast. Oscar goes solo to unpack the 2026 Australian federal budget and what it means for anyone under 35 trying to buy a first home, get financially stable, or even just keep up with rent. We walk through the two big levers: negative gearing being restricted to new homes and the capital gains tax shake-up that replaces the 50% CGT discount with a new approach to taxing real gains for newly purchased assets, with a minimum 30% rate. On paper, it sounds like it should cool investor demand and help first home buyers. In practice, the grandfathering rules mean existing investors keep many of the best benefits, while new buyers face the changed settings. We also talk through why many Australians are wary of new builds and off-the-plan purchases, which complicates the government’s push toward construction. Then we zoom out to the real-world pressure cooker: inflation running hot, repeated interest rate hikes, and how even a small rate move can wreck borrowing capacity for first-time buyers. Most importantly, we dig into the second-order effects people ignore, especially the risk that rents rise when established property becomes less attractive to investors and rental supply tightens. Finally, we call out what’s missing from the budget if the goal is true housing affordability: more housing supply, better zoning, faster approvals, and stamp duty reform. If you’re trying to make sense of the Australian property market right now, listen through, share it with a mate, and leave a review so more people can find the show. What do you think this budget changes for you? Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

April 19, 202614 min

#107 - The Hidden Costs of Buying an Investment Property (No One Talks About This)

Most people budget for a deposit and a loan, then act shocked when property investing gets expensive. We’ve just been traveling between markets and seeing the same pattern with buyers again and again: the purchase price is only the beginning, and the “small” line items are what break cash flow. So we lay out the true cost of buying an investment property in Australia in plain English, with real ranges and the exact categories you should be modelling before you sign a contract. We walk through the big upfront costs that first-time investors miss, starting with stamp duty and why the structure of the purchase can change what you pay. We also cover legal and conveyancing fees, plus why a strong contract review can protect you from nasty surprises. Then we get into one of the highest ROI steps you can take on an established home: the building and pest inspection, not just for risk reduction but also for negotiating the purchase price and getting repairs handled properly. From there we zoom into lending: application and valuation fees, and lender’s mortgage insurance (LMI) when you borrow above an 80% LVR. We explain why LMI isn’t automatically a dealbreaker, but why you have to stress test your numbers with buffers and higher rates. Finally, we detail ongoing holding costs like property management fees, council rates, strata or body corporate, water charges, insurance, maintenance, and vacancy, because long-term wealth comes from holding great assets, not from guessing. If you’re serious about building a sustainable portfolio, skip the hotspot hype and run the math. Subscribe to the Finance Bible Podcast, share this with someone planning to buy, and leave us a review with the one cost you’ve been underestimating. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

April 10, 202613 min

OD #19 - The Great Property Divide: Why Australia’s Market Is Splitting in Two

Australia’s property market is no longer moving as one. In this episode, we break down the growing divide between major cities—why some markets are surging while others are stalling, and what’s really driving the shift beneath the headlines. From Perth’s rapid growth to Melbourne’s reset and Sydney’s affordability ceiling, this is a city-by-city analysis of where the opportunities are forming… and where risk is quietly building. If you’re still thinking about property as one national market, you’re already behind. This episode will change how you see it—and how you move within it. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

March 30, 202618 min

#106 - How First Home Buyer Grants Push Prices Higher

Property prices don’t just “go up” on their own, they respond to incentives, and right now Australia is drenched in them. We’re fired up about how first home buyer grants and 5% deposit schemes can look helpful on paper while quietly bidding up the same entry-level homes first home buyers are trying to afford. When you add 95% lending into a rising interest rate environment, the risk isn’t abstract anymore. It’s repayment stress, defaults, and a system that starts planning bailouts before the ink is dry. We also dig into the political heat on investors, especially talk of changing the capital gains tax discount. If a meaningful chunk of property investors sell or stop buying, the rental market doesn’t magically improve. Supply shrinks, vacancy tightens, and rents climb, which hits the exact people policy claims to protect. We talk through why this matters for retirement planning too, because many Australians are trying to build long-term wealth outside the age pension by creating a property investment portfolio they can actually control. Then we shift to what we’re seeing on the ground: real growth numbers, including big monthly gains and why markets like regional Queensland surged so hard. We zoom out on how to think about “the next affordable market” without chasing yesterday’s winners, using fundamentals like infrastructure spending, employer demand, and risk checks like insurance costs and vacancy rates. If you want clearer thinking on the Australian property market, interest rates, inflation, and smart property investing strategy, hit play and tell us what you think. Subscribe, share the show, and leave a review so more people can find it. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

March 26, 20269 min

#105 - Higher Petrol Prices Quietly Raise The Price Of Everything

Fuel prices don’t just change what you pay at the pump. They quietly rewrite the price of almost everything you touch: groceries, building materials, deliveries, flights, and even that “quick” Uber ride that suddenly comes with a surcharge. We zoom out from the headlines and talk through why petrol and diesel increases can hit Australia hard, especially when global conflict and uncertainty keep energy markets on edge. We break down the biggest ripple paths in plain English: freight and logistics costs that push supplier pricing higher, farming expenses tied to diesel-powered machinery and petroleum-based inputs, and construction costs driven by heavy equipment, material transport, and worker travel. We also connect the dots to the property market by explaining how higher build costs can affect feasibility, margins, and what buyers end up paying. If you’ve been wondering why everyday spending feels tighter even when you haven’t changed your habits, this is the chain reaction. We also touch mining and resources, where remote operations burn huge amounts of fuel and higher extraction costs can lead to tougher business decisions, plus aviation and tourism, where airfares can move fast when fuel spikes. The takeaway is simple: you can’t control oil prices, but you can control your plan. Subscribe, share this with someone who’s feeling the squeeze, and leave a review with the one cost increase you’ve noticed most lately. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

March 16, 202611 min

OD #18 - Why Petrol Prices Are Spiking Again

Why is petrol suddenly so expensive? In this episode of The Finance Bible, Oscar breaks down the rising fuel prices and explains how conflicts halfway across the world can hit your wallet at the pump. From Middle East tensions and shipping chokepoints to global oil markets and inflation, we uncover the hidden forces behind petrol price spikes. Whether you’re a commuter, a business owner, or just curious about the economy, this 15-minute episode makes sense of the numbers and helps you understand why the world’s oil markets matter to you Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.

March 1, 202612 min

OD #17 - Inflation Is Destroying the Middle Class (Unless You Do This)

Inflation isn’t just making groceries more expensive — it’s quietly reshaping the middle class. While wages struggle to keep up, assets continue to rise. The gap between those who own and those who wait is widening. In this episode, we break down what’s really happening behind the rising cost of living, why inflation acts as a wealth transfer, and the strategic mindset shift required if you want to get into the housing market during uncertain times. This isn’t about panic. It’s about positioning. If you’re feeling stuck, squeezed, or unsure whether now is the right time to move — this conversation is for you. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @assetroad for daily insights, property breakdowns, and behind-the-scenes updates. Explore more at www.assetroad.com.au Top 10 Finance Podcasts in Australia on Feedspots ranking- https://podcast.feedspot.com/australian_personal_finance_podcasts/ Disclaimer: The information provided in this podcast is general in nature and does not constitute personal financial advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. Asset Road Pty Ltd recommends you seek independent financial, legal, taxation or other advice as required. All investments carry risk. Past performance is not indicative of future results.