The Finance Show With Joe

Hosted by It's Simple Finance

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Latest episode

Jun 2026

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EN-AU

About the show

Why should finance be boring? Joseph and Michael cut through the jargon by talking property, money, and entrepreneurship with real stories, laughs, and special guests. New episodes released every fortnight! Follow us on our pages; www.itssimple.com.au Instagram: @itssimplefinance Instagram: @thefinanceshowwithjoe Linkedin: www.linkedin.com/company/itssimple

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54 recent

June 3, 2026Episode 4126 min

9-Step Guide to Buying Your First Home

You know what they never taught us in school? How to buy your first home. It’s not just about hidden fees, but the actual process from start to finish. What does that look like? Michael and Brian break it down in a 9-step guide that takes you through the typical process of buying your first home. The first step is speaking to a broker or your trusted financial professional to put your financial situation into context. How much can you borrow? How can we improve your chance of approval? From there the boys talk about actually ensuring the house you want, is the house you want via inspections and evaluations. When do you pay the deposit? Do I need a lawyer? All these questions and more are answered in this episode of the Finance Show With(out) Joe. Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

May 11, 2026Episode 3920 min

Is Australian Property Entering a Buyer's Market?

Is Australia entering a buyer's market? Dwelling values in both Sydney and Melbourne are slowly beginning to dip and sellers are having to adjust their expectations. This does mean that buyer's are in a better spot than they have for years, but supply remains constrained. Typical buyer's markets have supply outstripping demand, but that simply isn't the case in Australia, placing the market in a weird spot that's probably more correction than recession. Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

April 22, 2026Episode 3829 min

5 Moves to Recession-Proof Your Home Loan

The Australian economy is sending serious warning signs of an incoming recession. To prepare for this, Joe and Michael shared five home loan strategies that can help save you thousands of dollars each month. From stretching your home loan to utilising your offset account to its fullest, there’s something here for every homeowner and investor to help shield their assets. Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

April 9, 202628 min

The R-Word: Breaking Down Recessions

What is a recession? With the globe continuing its nosedive into chaos, economies around the world are suffering and Australia is no exception. As such, it’s important to understand what a recession is and how it affects you. In this episode, Joe and Michael break down everything you need to know about recessions and provide some tips to help you protect yourself financially during tough times. Despite the panic a possible recession might cause, Joe and Michael explain why staying calm and seeking advice from your financial professional is key because the wrong move at the wrong time can cost you more than you think. Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

March 26, 202645 min

Your Buyer's Agent Might Be Working Against You. Here's How to Know

The 5% deposit sounds like a win… until you realise a small mistake on suburb choice, timing, or holding costs can leave you owing more than the property is worth. We sit down with Nick Khzouz, a buyer’s agent (and former lawyer and banker) from B Money Property Group, to unpack the real-world risks behind low-deposit buying, refinancing, and trying to leapfrog into your next property. If you’ve been watching the Australian property market and wondering whether the First Home Guarantee is helping or hurting, this chat gets specific fast.We get practical on what to look for before you buy: stock on market trends, supply saturation, land constraints, and why days on market can be one of the simplest demand indicators to track. Nick also breaks down return on capital versus return on investment, why some investors grow faster with the same cash, and how strategies like interest-only lending and negative gearing (with proper accountant advice) fit into the bigger picture of serviceability and risk.Then we go straight into the messy stuff people whisper about: off the plan property deals, hidden incentives, “rebates”, and why conflict of interest is the line that separates an advocate from a salesperson. We share horror stories, talk transparency reforms like a conflict register, and run through how we assess a buyer’s budget, time horizon, goals, and when they want to extract equity. We also touch on areas we’re watching across Sydney, Newcastle, and parts of Victoria, plus why policy changes can push eager first home buyers into repayments they can’t comfortably carry.This episode is for informational purposes only and does not constitute financial, legal, or tax advice. Please consider your personal circumstances and consult a licensed professional before making any financial decisions.Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

March 11, 202651 min

Most Small Business Owners Are Paying Too Much Tax

A single conversation at 15 changed everything. Davie Mach chose accounting to pull his family out of debt, started a firm at 26, and built it to 40 people by doing one thing most advisers avoid: telling small business owners the whole truth about money, structure, and risk. Davey breaks down the difference between reactive, textbook accounting and proactive, real-time advice powered by cloud tools and AI without losing the human touch. We map the structures that matter in Australia: when a company beats a trust, how a family trust can hold shares for asset protection, why SMSFs are for long-term assets, and where bucket companies and intercompany loans create tax efficiency without triggering Division 7A headaches. If you’ve ever wondered whether the CGT discount justifies holding assets in your own name, you’ll hear the long-game maths that many investors miss.With a wave of senior accountants retiring and government revenue pressure rising, small businesses face a tougher environment than ever. Enforcement is up, complexity is rising, and yet opportunities grow for owners who keep tight books, review quarterly, and structure for resilience. If you run a business, invest in property, or simply want to pay less for better decisions, this episode is for you. Follow and subscribe, share this with a mate who owns a business, and leave a review so more Australians find practical, plain-English finance advice.Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

February 6, 202638 min

First Home Guarantee 2026: Will It Help or Hurt First Home Buyers?

We’re back with more Finance Show with Joe in 2026! Now with our new co-host, Milad Amin!There’s a saying that to understand the future, you have to understand the past. We’re doing the same thing here, trying to predict 2026 by looking at what happened in the Australian property market in 2025.From expanded government schemes to rate cuts, we get into it all while cracking a few jokes along the way. Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

November 6, 2025Episode 3341 min

Australia’s Best Investment Suburbs For Every Budget In 2025

We map the best performing investment suburbs across Australia at three price points, from $500k to $1.5m, showing how leverage and tight supply can turn a modest deposit into meaningful equity. We provide three suburbs at each price point and measure their performance based on capital gain, rental yield, and potential future growth in the next 12 months. If you ever need any help with your mortgage or your property inquiries or anything along the lines of that, you can visit us at www.itsimple.com.au. If you are looking to invest in property, we also have a panel of buyers’ agents that we work with, and we can refer you several in the market that specialise in each particular location.Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

October 15, 2025Episode 3242 min

What They Aren't Telling You About the First Home Guarantee

Prices are climbing, tempers are flaring, and a simple promise—“buy with just a 5% deposit”—isn’t as simple as it sounds. Joe and Michael unpack the new rules around Australia’s First Home Guarantee and why it might not be the slam dunk the federal government believes. We draw a clean line between the federal guarantee and state‑based grants and stamp duty concessions, then walk through what that means in New South Wales, Victoria, and Queensland. The boys don't just complain, Joe provides practical solutions that might improve supply and demand. Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.

October 1, 2025Episode 3151 min

From Engineer to Advocate: Steve Palise on Building Wealth with Data, Not Hype

The biggest property gains often come from the most boring moves—and that’s exactly where Steve Palise thrives. We sit down with the engineer‑turned‑buyers’ advocate and author to dismantle catchy myths, unpack the fundamentals that actually drive returns, and show how to pick between residential, commercial, and development without getting lost in the hype. Steve shares how he scaled a buyers’ agency from overseas using deep-work blocks, SOPs, and a serious CRM, then channelled that structure into three practical books and a free 10‑hour course built to answer the questions everyone keeps asking.We dive into the numbers that matter: vacancy risk, lease quality, and realistic lender appetite. Steve explains why Perth and Brisbane have delivered strong net yields and tight industrial/retail vacancies while Sydney’s sub‑5% returns demand bigger cheques—and how those relative values shift as yields converge. We break down ROI vs return on capital, the role of leverage in the early years, and why a “cash flow positive” badge means little without a decade‑long view of demand and rental growth. On the development front, Steve doesn’t sugarcoat it: margins have been squeezed, holding costs hurt, approvals take time, and banks want 15%+ profit on cost before they even listen. Small infill projects can work for the right operators, but the horror stories are real and avoidable only with proper feasibility.If you’re tired of “one true strategy” gurus, you’ll appreciate Steve’s approach: define the goal, set the time frame, map finance constraints, then choose the least risky path that still hits the target. Expect candid talk on postcode restrictions, specialised assets, valuation traps, and the unglamorous diligence that protects your downside. Want more of the good stuff? Grab Steve’s free resources, then listen and tell us which market you’re eyeing next. If this helped, follow, share with a mate, and leave a quick review so more investors find facts over noise.Follow us for more property news and mortgage advice! ▸Website - https://itssimple.com.au▸Instagram - https://www.instagram.com/itssimplefinance/▸Facebook - https://www.facebook.com/itssimplefinance/▸LinkedIn - https://www.linkedin.com/company/itssimple/DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs before acting on it.