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Business owners often sit on big cash balances because it feels safe, but over time inflation quietly does the damage.

In this episode of The Winner’s Playbook, Josh and Billy unpack how to think about cash properly, how much the business actually needs as a buffer, and what to do with the rest so it is working towards your long-term goals instead of sitting there as lazy capital. They talk through paying yourself first, separating business money from personal wealth, and why smart investing is less about chasing the next hot thing and more about building a simple, low-maintenance strategy that fits your life stage and exit plan.

They also cover why super is still one of the most powerful tools for business owners, why ignoring it can backfire later, and how the right structure can help with both tax and asset protection. Along the way they touch on what is been happening across markets, from crypto swings to rate moves and policy noise, and bring it back to the fundamentals that keep you calm, consistent, and in control.

If you are a business owner with cash piling up in the company account and you are not sure what to do next, this episode will help you create a clearer plan, de-risk your family’s future, and make your money work harder without drowning in spreadsheets.

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Want to find a Adviser that suits your financial needs:
https://www.linkwealth.com.au/

Get in touch with Josh:
https://www.linkwealth.com.au/josh-lee-link
Get in touch with Billy:
https://www.linkwealth.com.au/billy-norman-link

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

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Thinking of selling your business? Start here

What actually makes a business sellable? In this episode of The Winner’s Playbook, Billy sits down with business mentor Baz Gardner to unpack the real reasons businesses sell (or don’t). They go beyond the surface-level advice and dive deep into the psychology of letting go, why so many owners sabotage their exit, and what buyers are actually looking for when it's time to pass the baton.

Baz shares what he’s seen work (and fail) after helping hundreds of businesses through succession and sale, including the mindset shifts needed, the danger of ego attachment, and why strong leadership teams matter more than just your bottom line. They also cover what buyers want to see, what multiples really mean, and how to reduce key person risk so you’re not the roadblock to your own payday.

If you’re building a business you want to eventually sell or hand over, this episode will save you years of pain. The best time to start planning is always earlier than you think.

Find Baz:

Baz Facebook: https://www.facebook.com/iambazgardner/
Baz LinkedIn: https://www.linkedin.com/in/bazgardner/
Baz YouTube: www.youtube.com/@TheSocialAdviser

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Want to find a Adviser that suits your financial needs:
https://www.linkwealth.com.au/

Get in touch with Josh:
https://www.linkwealth.com.au/josh-lee-link
Get in touch with Billy:
https://www.linkwealth.com.au/billy-norman-link

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.

Send us a text

Insurance isn't exciting. But losing everything is.

In this episode, Josh and Billy keep it real about personal insurance and why it’s one of the most important (and misunderstood) parts of your financial plan. They unpack the different types of cover including life, TPD, trauma and income protection, and explain what they actually do, who needs them, and how much is enough. They also break down how to structure policies inside or outside super, the real risks of default cover, and how to avoid getting caught with junk insurance that won’t pay when it matters.

They share personal stories and real client claims that show the power of getting this right. You’ll hear how a well-timed payout can save a family from financial ruin, how trauma cover works when you're still able to work, and why your income is your most valuable asset. Whether you're a parent, business owner, or just starting out, they explain the biggest traps to avoid, how to reduce costs over time, and what to expect if you ever need to claim.

If you’ve been putting off sorting your insurance, this is the episode that might change your mind. The best time to get covered is before you need it, and getting it right could be one of the smartest financial decisions you ever make.

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Want to find a Adviser that suits your financial needs:
https://www.linkwealth.com.au/

Get in touch with Josh:
https://www.linkwealth.com.au/josh-lee-link
Get in touch with Billy:
https://www.linkwealth.com.au/billy-norman-link

Josh's TikTok: https://www.tiktok.com/@joshleefinadv
Billy's TikTok: https://www.tiktok.com/@billynormanfp

Sign up to Link Wealth Group’s newsletter, Wealth Simplified: https://www.linkwealth.com.au/wealth-simplified

Our Financial Services + Credit Guide: https://www.linkwealth.com.au/financial-services-and-credit-guide

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General advice disclaimer: The information contained within this podcast is general in nature and does not take into account your personal circumstances. Please reach out if you wish to discuss your personal situation.