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Jun 2026

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Hey small business heroes, we’re John Saade & Jacob Fahmy from Latitude Accountants and we are the hosts of The Lat Chat, your go-to podcast for insightful discussions on the world of small business. Join us as we dive deep into the intricacies, challenges, and triumphs of entrepreneurship, offering practical advice and invaluable insights for aspiring and seasoned business owners alike. Each episode, we bring to the table a wealth of experience and expertise along with special guests ranging from successful entrepreneurs to industry leaders. Together, we explore a wide range of topics

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June 16, 20266 min

Payday Super Rant

Payday Super is coming, and small businesses are about to feel it.Need an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS 👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwThe Account Rant is a show where accountants vent on different business, tax and money topics. It is an honest and informal conversation intended for discussion and entertainment only. Views expressed are personal opinions and should not be taken as professional advice. Any examples, numbers or figures mentioned may be simplified and should not be relied on.In this episode of The Account Rant, Catarina and Michael break down Payday Super and what it could mean for Australian business owners.From 1 July, businesses will need to pay super much closer to the time they pay wages. That means the old system of paying super quarterly is changing, and for businesses already dealing with tight margins, delayed payments and cash flow pressure, this could be a major adjustment.This episode covers why Payday Super may be good for employees, why it could create cash flow problems for employers, how tradies and construction businesses could be hit, and whether this change will actually fix the issue of unpaid super.We cover:What Payday Super actually meansHow super payments worked beforeWhy this could create a cash flow hit for small businessesWhy tradies and construction businesses may feel it firstWhether Payday Super will actually stop unpaid superWhy slow paying customers could become an even bigger problemHow businesses may change pay cycles from weekly to fortnightly or monthlyWhy July could be a difficult transition period for employersWhy business owners should speak to their accountant before the change beginsChapters:0:00 Catarina returns to The Account Rant0:33 What is Payday Super?0:48 Super paid at the same time as wages1:05 How super payments worked before1:27 Why Payday Super could hurt business cash flow1:44 Will this actually stop unpaid super?2:12 The benefit for employees2:31 The problem for tradies and construction businesses3:08 Why compliant businesses may struggle3:26 Preparing clients before the deadline4:12 Payment terms and cash flow pressure4:36 The ripple effect across small business4:59 Will employers change pay cycles?5:18 Can staff be paid monthly?5:57 Why some employees may not like the change6:13 Why July could be the hardest month6:34 Talk to your accountant before Payday Super beginsIf you run a business, Payday Super is not something to ignore. It may affect your cash flow, payroll process, payment terms and how you plan for wages and super every pay cycle.Stop guessing with your numbers. Whether you are a sole trader, company, tradie, contractor or growing business, get your cash flow and payroll planning sorted before the change hits.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business inquiries, reach out to: Info@latitudeaccountants.com.auFollow usTikTokhttps://www.tiktok.com/@latitudeaccountantsInstagramhttps://www.instagram.com/latitudeaccountantsWebsitehttps://latitudeaccountants.com.au/Disclaimer: This video is for educational and entertainment purposes only and does not constitute formal financial, legal, tax or business advice.

June 11, 202654 min

What Smart Business Owners Are Doing Right Now

Welcome back to The CEO Breakdown with John Saade.In this episode, John breaks down the fallout from the Federal Budget, the panic online, and what he is actually doing as a CEO to prepare for the current economic environment.John covers cash flow, collecting debtors, cutting costs, staff productivity, work from home expectations, leadership planning, outsourcing, tax planning before 30 June, CGT changes, Australia’s tax system, ATO fines, property market fears, business exits, cafes under pressure, and whether Australians should really leave the country because of tax.He also responds to social media commentary and viewer questions around 47% CGT, negative gearing, property affordability, tax compliance, carried forward rental losses, foregone wages, Sydney property prices, and whether Australia is still worth betting on.If you have a question for John, leave it in the comments and we may answer it in the next episode.Need an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS 👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwStop guessing with your taxes. Whether you are a sole trader or a company, let’s get your strategy sorted before the ATO sends that scary letter.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business enquiries, reach out to:Info@latitudeaccountants.com.auFollow usTikTok: https://www.tiktok.com/@latitudeaccountantsInstagram: https://www.instagram.com/latitudeaccountantsWebsite: https://latitudeaccountants.com.au/Videos reviewed in this episode:Simon KennedyMaje SabaSimon BeardPivotal ConversationsMatt CameronDaily Telegraph article on ATO compliance activityProperty market correction articleOriginal audio and video content belongs to the respective creators. This episode includes commentary and discussion for educational and informational purposes.Disclaimer: This video is for general information and educational purposes only. It does not constitute formal accounting, tax, business or financial advice. The Budget measures discussed may be proposed, subject to change, or not yet law. Please speak to your accountant about your specific circumstances.

June 9, 20269 min

Pay Your Debts Rant

People not paying their bills is becoming a serious problem for business owners.Need an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwThe Account Rant is a show where accountants vent on different topics. It is an honest and informal conversation intended for discussion and entertainment only. Views expressed are personal opinions and should not be taken as professional advice. Any examples, numbers, or figures mentioned may be inaccurate or simplified and should not be relied on.In this episode of The Account Rant, John and Toufic go hard on one of the biggest issues hitting Australian businesses right now, people taking longer to pay their bills.From unpaid invoices to ignored calls, stretched supplier relationships, bad cash flow habits, and businesses using others as interest free funding, this rant gets straight to the point.We cover:Why debtors are growing across Australian businessesWhy late payment can crush small operators and tradiesThe difference between genuine cash flow trouble and simply choosing not to payWhy using mates, family, or suppliers as unpaid finance is wrongHow poor payment habits expose weak business managementThe risk of liquidation being used to avoid paying trades, suppliers, and mums and dadsWhy good operators know their numbers and pay their bills on timeChapters:0:00 Cash flow is tight and debtors are growing0:20 The tradie example and why late payment is disrespectful1:24 When someone takes the work but ignores the bill2:29 Why refusing to pay is unAustralian3:24 Is not paying a bill basically stealing?4:10 Genuine cash flow issues versus bad payers4:29 Pay your bills, especially to the little guy4:43 The king of scums in business5:21 Good operators know their cash flow5:44 Paying staff late is not acceptable6:34 “He’s my mate, I’ll pay him later”6:48 Why “he’s good for it” can be dangerous7:16 Liquidation, phoenix behaviour, and ripping people off8:00 Should bad operators be banned from running businesses?8:51 Final message, pay your billsIf you run a business, cash flow matters. But if your whole strategy relies on delaying payments, ignoring suppliers, or hoping people do not chase you, that is not good business. That is a problem.Stop guessing with your numbers. Whether you’re a sole trader or a company, let’s get your cash flow and business structure sorted before things get messy.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business inquiries, reach out to: [Info@latitudeaccountants.com.au](mailto:Info@latitudeaccountants.com.au)Follow usTikTokhttps://www.tiktok.com/@latitudeaccountantsInstagramhttps://www.instagram.com/latitudeaccountantsWebsitehttps://latitudeaccountants.com.au/Disclaimer: This video is for educational and entertainment purposes only and does not constitute formal financial, legal, or tax advice.

June 5, 2026Episode 4128 min

We Found The Best Aussie Watch Brand

This week on #TheLatChat, we sit down with Tanner Blessington from Blessington Watches, an Australian watch company creating limited edition watches inspired by Australian places, people and wildlife.From selling over $1 million of a soccer product online, to learning that revenue does not mean profit, to selling his car and using the money to start a watch brand, Tanner’s story is about ecommerce, branding, margins, risk, product development, family, community and the brutal reality of building a business in Australia.In this episode, Jacob and Tanner unpack the real numbers behind ecommerce, why selling a million dollars worth of product does not make you a millionaire, the pressure of advertising costs, GST, discounting, pricing, cash flow, unit economics, trade shows, working with family, and how Blessington Watches built a loyal community around Australian inspired designs.Need an accountant?GET A FREE CONSULTATION FOR ALL ABN HOLDERShttps://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwFor business enquiriesInfo@latitudeaccountants.com.auFollow Latitude AccountantsTikTok https://www.tiktok.com/@latitudeaccountantsInstagram https://www.instagram.com/latitudeaccountantsWebsite https://latitudeaccountants.com.au/Connect with Blessington Watcheshttps://www.instagram.com/blessington.watches/https://blessington.co/Subscribe to The Lat Chat for real small business conversations, practical advice, and unfiltered founder stories.Chapters00:00 Intro00:05 Meet Tanner from Blessington Watches00:28 How Tanner first got into business01:28 The soccer product that sold over $1 million03:01 Why revenue does not mean profit03:35 The truth about ecommerce margins04:16 How Tanner got into watches05:48 The story behind Blessington Watches06:43 Australian cities, wildlife and limited edition designs07:50 Why Blessington does not try to be Rolex09:03 Opening the Great White watch09:24 Why packaging matters in ecommerce10:54 The Great White watch features11:27 Water resistance, tungsten and watch details12:38 How limited edition releases work13:02 Building a loyal customer community13:33 What Tanner has learned in ecommerce14:06 Why discretionary products need a strong brand15:24 Trade shows and meeting other watch brands16:33 Learning business from family17:27 Working with your brother19:58 The highest high and lowest low in business20:06 Turning over $112,000 in 24 hours20:36 The reality of BAS and tax bills21:00 How discounting affects ecommerce brands21:51 Why unit economics matter23:12 Being flat out going broke24:37 GST problems in ecommerce25:16 Why ecommerce businesses need the right accountant26:39 Why cafes and hospitality are so hard27:03 Should entertainment expenses be tax deductible?28:05 What is Blessington Watches?28:32 Outro

June 2, 202610 min

Former Bulldog Reveals Why NRL Players Go Broke

Rugby league can make you rich fast, but according to former Bulldogs player Kerrod Holland, it can disappear just as quickly.In this episode of The Account Rant, John sits down with Kerrod Holland to unpack the financial reality behind professional rugby league. They discuss NRL salaries, gambling culture, player managers, tax, financial literacy, contracts, property investing, life after football, and why so many athletes struggle once the game ends.Kerrod shares firsthand stories from inside the NRL system, including how players spend their money, the pressure of supporting family, betting culture inside the sport, and the financial mistakes many young athletes make before they truly understand money.Guest: Kerrod Hollandhttps://tenexwealth.com.au/Instagram: https://www.instagram.com/kerrodholland/LinkedIn: https://au.linkedin.com/in/kerrod-holland-76696b133Need an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS 👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwCHAPTERS0:00 Are NRL players set up for life?0:50 The reality behind NRL contracts and tax1:13 Kerrod’s financial crash after football2:22 Why post career depression happens3:10 Why financial literacy programs fail players3:43 Sending money back home and family pressure4:18 The biggest financial mistakes players make4:50 Gambling culture inside rugby league6:06 Betting companies and the NRL ecosystem7:05 Can NRL players legally bet on games?8:13 What is the average NRL salary?8:43 The truth about player agent fees9:45 Players secretly reaching out for money help10:32 Kerrod’s simple advice for every athleteThe Account Rant is a show where accountants vent on different topics. It is an honest and informal conversation intended for discussion and entertainment only. Views expressed are personal opinions and should not be taken as professional advice. Any examples, numbers, or figures mentioned may be inaccurate or simplified and should not be relied on.Stop guessing with your taxes. Whether you are a sole trader or a company, let’s get your strategy sorted before the ATO sends that scary letter.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business enquiries, reach out to: [Info@latitudeaccountants.com.au](mailto:Info@latitudeaccountants.com.au)Follow usTikTok: https://www.tiktok.com/@latitudeaccountantsInstagram: https://www.instagram.com/latitudeaccountantsWebsite: https://latitudeaccountants.com.au/Disclaimer: This video is for educational and entertainment purposes only and does not constitute formal financial, business, or tax advice.

June 1, 202620 min

Lying In Business With Human Lie Detector Scott Taylor

In this episode of The Account Rant, John sits down with Scott Taylor, a behaviour profiling, security, safety and risk expert, to talk about lying in business.From client conversations and pricing discussions to interviews, sales meetings, body language, deception detection and trust, this episode breaks down how people reveal more than they realise.Scott explains why common body language myths are often wrong, what deceptive indicators can actually look like, why truth tellers convey while liars convince, and how business owners can become better at reading people without jumping to conclusions.They also discuss how trust is built, why reputation matters, how people use barriers in meetings, what business owners should look for in interviews, and why authentic communication is still the strongest long term strategy.Guest: Scott TaylorWebsite: https://praesidiumgroup.com.au/scott-taylor/Praesidium Risk and Resilience: https://praesidiumgroup.com.au/Instagram: https://www.instagram.com/itsscotttaylorofficial/LinkedIn: https://au.linkedin.com/in/scotttaylorcppNeed an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS 👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwThe Account Rant is a show where accountants and guests vent on different topics. It is an honest and informal conversation intended for discussion and entertainment only. Views expressed are personal opinions and should not be taken as professional advice.Stop guessing with your taxes. Whether you are a sole trader or a company, let’s get your strategy sorted before the ATO sends that scary letter.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business enquiries, reach out to: Info@latitudeaccountants.com.auFollow usTikTok: https://www.tiktok.com/@latitudeaccountantsInstagram: https://www.instagram.com/latitudeaccountantsWebsite: https://latitudeaccountants.com.au/Disclaimer: This video is for educational and entertainment purposes only and does not constitute formal business, legal, financial, tax, security or behavioural advice.

May 29, 202658 min

CEO Explains What The New Tax Changes Mean

Welcome to Episode 3 of The CEO Breakdown with John Saade.In this episode, John breaks down the fallout from the Federal Budget and what the proposed tax changes could mean for everyday Australians, investors, small business owners and accountants.John covers ASIC style notices sent to business owners, negative gearing changes, CGT changes, pre 1985 assets, small business CGT concessions, the proposed $250 Working Australians Tax Offset, the proposed $1,000 standard deduction for work related expenses, and what the new Treasury bill may mean if it becomes law.He also responds to viewer comments and questions from the last episode, including family trusts, 47% tax concerns, property affordability, first home buyers, stamp duty, Australia’s complicated tax system, and whether these changes will really help everyday Australians.If you have a question for John, leave it in the comments and we may answer it in the next episode.Need an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS 👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwStop guessing with your taxes. Whether you are a sole trader or a company, let’s get your strategy sorted before the ATO sends that scary letter.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business enquiries, reach out to: [Info@latitudeaccountants.com.au](mailto:Info@latitudeaccountants.com.au)Follow usTikTok: https://www.tiktok.com/@latitudeaccountantsInstagram: https://www.instagram.com/latitudeaccountantsWebsite: https://latitudeaccountants.com.au/Videos reviewed in this episode:Sam Gordon Propertyhttps://www.instagram.com/reel/DYPI0RBJSiY/?igsh=aWxiZTExMXNqbXo1Brittney Saundershttps://www.instagram.com/reel/DYV6xgzP_IG/?igsh=djY4Y3RjcWZ4aWhtOriginal audio and video content belongs to the respective creators. This episode includes commentary and discussion for educational and informational purposes.Disclaimer: This video is for general information and educational purposes only. It does not constitute formal accounting, tax, business or financial advice. The Budget measures discussed may be proposed, subject to change, or not yet law. Please speak to your accountant about your specific circumstances.

May 28, 202619 min

Can You Claim This On Tax? Rolex, LV Bags, Lunches & More

Can you claim a Louis Vuitton bag on tax? What about a Rolex, client lunch, staff gift, RM Williams boots, or a new phone?Cat and Jacob unpack some of the most misunderstood tax deductions business owners and individuals ask about.They cover luxury items, entertainment, client gifts, staff gifts, work clothes, technology, ATO red flags, GST refund audits, payment plans, penalty remissions, and why clean records matter more than ever.The big question is simple, what can you actually claim, and what could get you flagged?Need an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS 👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwCHAPTERS0:00 Can you claim a Louis Vuitton bag?0:36 Is entertainment tax deductible?1:15 Business lunches and travel meals2:18 Why client lunches are usually not deductible3:37 Client gifts and tax deductions4:16 Staff gifts and the $300 rule5:08 Can you claim a Rolex?6:13 Are RM Williams boots tax deductible?7:21 Claiming phones, iPads and technology7:53 Will the ATO know what you claimed?8:48 GST refund audits and ATO scrutiny9:18 Why GST refunds are being reviewed closely10:09 What happens during an ATO audit?11:18 Refinancing ATO debt and payment plans12:54 When the ATO gets it wrong13:40 Primary production averaging issue14:30 ATO wait times and service standards15:26 Penalty and interest remission17:58 Why written ATO requests are frustratingStop guessing with your taxes. Whether you are a sole trader or a company, let’s get your strategy sorted before the ATO sends that scary letter.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business enquiries, reach out to: Info@latitudeaccountants.com.auFollow usTikTok: https://www.tiktok.com/@latitudeaccountantsInstagram: https://www.instagram.com/latitudeaccountantsWebsite: https://latitudeaccountants.com.au/Disclaimer: This video is for general information and entertainment purposes only. It does not constitute formal accounting, tax, business or financial advice. Please speak to your accountant about your specific circumstances.

May 27, 20265 min

Federal Budget Explained, What It Means For Everyday Aussies

John Saade joined Arvos with Adam Peacock on SEN 1170 to break down the Federal Budget and what it could mean for everyday Australians, small business owners, investors and taxpayers.In this segment, John discusses the impact of the Budget on capital gains tax, family trusts, small business structures, tax planning, Payday Super, cash flow and why business owners should avoid making emotional decisions before the legislation is finalised.The key message is simple, do not panic, do not rush into selling assets or changing structures, and speak to your accountant before making any major financial decisions.Need an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS 👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwCHAPTERS0:00 What does the Federal Budget actually mean?0:24 Does the Budget help or hurt everyday Australians?0:35 Capital gains tax, small business and trusts0:50 Tax relief for everyday workers1:05 Why changes may not hit your pocket straight away1:13 Reviewing investment and business structures1:32 When could the Budget changes take effect?2:22 Biggest takeaway for small business owners2:30 Why you should not rush into changes2:38 Capital gains tax and investment property concerns2:49 Waiting for the final legislation2:57 Why trusts may start to fade away3:16 Holding companies explained3:28 The biggest mistake people make after a Budget3:52 Do not react emotionally4:00 Focus on the controllables4:28 Payday Super changes from 1 July4:42 Why cash flow planning matters4:51 Tax planning before 30 June5:07 Free consultations for ABN holdersStop guessing with your taxes. Whether you are a sole trader or a company, let’s get your strategy sorted before the ATO sends that scary letter.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business enquiries, reach out to: [Info@latitudeaccountants.com.au](mailto:Info@latitudeaccountants.com.au)Follow usTikTok: https://www.tiktok.com/@latitudeaccountantsInstagram: https://www.instagram.com/latitudeaccountantsWebsite: https://latitudeaccountants.com.au/Disclaimer: This video is for general information and educational purposes only. It does not constitute formal accounting, tax, business or financial advice. Please speak to your accountant about your specific circumstances.

May 26, 202611 min

Your Super Could Be Costing You Thousands | Superannuation Rant

Most Australians have superannuation, but how many actually know where their money is invested, what fees they are paying, or whether their super is working properly for their future?In this episode of The Account Rant, John sits down with Kerrod Holland to unpack superannuation, investment fees, insurance inside super, concessional contributions, SMSFs, property through super, market risk, adviser responsibility, and why super may be one of the most powerful tax environments in Australia.They also discuss the risks of poor advice, SMSF horror stories, and why business owners and high income earners need to understand how super fits into their broader tax and wealth strategy.Guest: Kerrod Hollandhttps://tenexwealth.com.au/Instagram: https://www.instagram.com/kerrodholland/LinkedIn: https://au.linkedin.com/in/kerrod-holland-76696b133Need an accountant or just want to chat about your business?GET A FREE CONSULTATION FOR ALL ABN HOLDERS 👉 https://forms.zohopublic.com/john205/form/GENERALENQUIRYFORM/formperma/VYEBrsCV_ompEVvnkA0eygWlJxXO5OajFsjjngf_jzwCHAPTERS0:00 Why superannuation matters right now0:08 Are Australians using their super properly?0:35 Fees, insurance and where your super is invested1:20 Why John loves superannuation1:40 The tax benefits of super2:32 Concessional contributions and reducing tax3:02 Super versus paying down the home loan3:25 Why super can be Australia’s best tax environment3:46 Should you self manage your super?4:06 When an SMSF actually makes sense4:27 Buying property through super4:42 The risks of managing your own super4:57 A shocking SMSF horror story6:33 Why you should never transfer money to an adviser6:53 Fraud, tax money and client trust7:24 Why one bad adviser should not ruin the industry7:41 What are you actually invested in?8:10 Do advisers stress over the markets?8:39 Australian market concerns and super portfolios9:21 Risk appetite and diversified investing10:30 Why advisers still carry responsibility11:00 Caring about client outcomes11:49 Managing volatility and downside riskThe Account Rant is a show where accountants vent on different topics. It is an honest and informal conversation intended for discussion and entertainment only. Views expressed are personal opinions and should not be taken as professional advice. Any examples, numbers, or figures mentioned may be inaccurate or simplified and should not be relied on.Stop guessing with your taxes. Whether you are a sole trader or a company, let’s get your strategy sorted before the ATO sends that scary letter.OUR SERVICES 👉 https://latitudeaccountants.com.au/accounting-services/For any business enquiries, reach out to: Info@latitudeaccountants.com.auFollow usTikTok: https://www.tiktok.com/@latitudeaccountantsInstagram: https://www.instagram.com/latitudeaccountantsWebsite: https://latitudeaccountants.com.au/Disclaimer: This video is for educational and entertainment purposes only and does not constitute formal financial, business, investment or tax advice.