Cash Flow Secrets Every Business Owner Must Know w. Ryan Gollan | Fine Answers Podcast | Episode 160

What's Driving Markets Right Now? | Fine Answers Podcast Episode 163

In this episode, we sit down with Mark for another market update to unpack what's really driving the global economy, from US politics and interest rates to AI investing, healthcare, uranium, and navigating market volatility. We discuss why headlines often distract investors from what actually matters: fundamentals, long-term thinking, and disciplined investing. Key Takeaways: • Why the US market still shapes global investing • Trump, tariffs, and how uncertainty impacts markets • Interest rates, inflation & what could happen next • Is AI overhyped, or just getting started? • Why healthcare and humanoid robotics could be major opportunities • The "picks and shovels" approach to AI investing • Uranium, energy demand & the future of nuclear • Market cycles, loss aversion & avoiding emotional decisions • Why consistency and compounding matter in long-term investing If markets feel uncertain right now, this episode is a reminder to zoom out, focus on fundamentals, and stay disciplined. If you'd like to get in touch with us: Facebook: https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp] Instagram: https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp] TikTok: https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp] Spotify: https://open.spotify.com/show/5k17gfi [https://open.spotify.com/show/5k17gfi]... If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au [admin@bbfp.com.au], visit our website at https://www.bbfp.com.au [https://www.bbfp.com.au] or book a 15min call to see how we can help you via https://outlook.office365.com/book/BB [https://outlook.office365.com/book/BB]... Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Buying Your First Home? Cindy Higgins Breaks Down the Property Market | Young Minds Ep 11

Thinking about buying your first home but feeling overwhelmed by the market? In this episode of the Young Minds Podcast, Cindy Higgins from Hayes Winkle joins us for an honest conversation about real estate, first-home buying, market trends, and the biggest mistakes young buyers make. Cindy breaks down what's happening in the current market, how agents actually assess campaigns, and why clarity — not timing — is the key to making smart property decisions. Key takeaways: • The biggest misconceptions about working in real estate • What first-home buyers should do before looking at properties • Current property market trends and what they mean for buyers • First-home buyer schemes and stamp duty concessions explained • How agents price and market homes for sale • What influences whether a property sells or sits on the market • Strategies to strengthen your offer as a buyer A valuable listen for first-home buyers, young professionals, and anyone wanting a clearer picture of the property market. If you'd like to get in touch with us: Facebook: https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp] Instagram: https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp] TikTok: https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp] Spotify: https://open.spotify.com/show/5k17gfi [https://open.spotify.com/show/5k17gfi] If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au, visit our website at https://www.bbfp.com.au or book a 15min call to see how we can help you via https://outlook.office365.com/book/BB... Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

First Home Buyer Tips, Refinancing & Interest Rates | Fine Answers Podcast Episode 162

In this episode of the Fine Answers Podcast, Ben is joined by mortgage broker Dylan O'Leary from Aussie Wide to discuss the current lending and property landscape, from rising interest rates to first-home buyer opportunities and refinancing strategies. Key takeaways: • How first-home buyers can enter the market with a 5% deposit • The difference between fixed and variable interest rates • Why cash flow matters more than borrowing capacity • How family guarantees can help buyers get started sooner • The importance of reviewing your home loan regularly • Why property should be viewed as a long-term strategy Whether you're buying your first home, refinancing, or considering an investment property, this episode offers practical insights to help you make informed financial decisions. If you'd like to get in touch with us: Facebook: https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/facebook_1x.png/burkebrittonfp] Instagram: https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/instagram_1x.png/burkebrittonfp] TikTok: https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp [https://www.gstatic.com/youtube/img/watch/social_media/tiktok_1x.png/burkebrittonfp] Spotify: https://open.spotify.com/show/5k17gfi [https://open.spotify.com/show/5k17gfi] If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au [admin@bbfp.com.au], visit our website at https://www.bbfp.com.au [https://www.bbfp.com.au] or book a 15min call to see how we can help you via https://outlook.office365.com/book/BB [https://outlook.office365.com/book/BB]... Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Aged Care Fees, Small Business Cash Flow & Market Volatility | Fine Answers Podcast Episode 161

Aged care confusion. Cash flow stress. Market volatility. Small business overwhelm. In this week's roundtable, the team breaks down the biggest financial conversations clients are having right now and why more Australians are realising they need a trusted "financial committee" around them. 🎙️ In this episode: • The biggest misconceptions around aged care costs • Why families often feel rushed into poor financial decisions • The growing number of 35 to 45 year olds seeking financial advice • Cash flow challenges for small business owners • Why your accountant, broker and adviser should actually work together • How to think about volatile markets without panicking • The danger of "tidying things up" before getting advice One of the biggest takeaways? You don't need to have everything sorted before speaking to a financial adviser. Often, the earlier the conversation happens, the better the outcome. If you've been feeling overwhelmed by financial decisions, this episode is packed with practical insights and real world examples to help you focus on what actually matters. If you'd like to get in touch with us: Facebook: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbldlSFFWX1NFcFl0OXAwNnhHeXNXRDMxMFFfZ3xBQ3Jtc0trSTRkQ0lYQnFDN0tZTG1oaWNTTXRDSDc3UVY1TlJqQi1jeE5WVHBoZG9iQ0NiLWV1WE4wMjZ0bW1VeERkZ0Z2T09IQ0Y4SHd6WXdUVFhwdG82c05HamxLczllUVhvNXJwR2pBRk1zR1NMbXpubF9sVQ&q=https%3A%2F%2Fwww.facebook.com%2Fburkebrittonfp&v=RJsl_vWfop0] Instagram: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbko5QW9jWnI2aUllQ0JVOC1CczlMZTY5WFA1QXxBQ3Jtc0tsMXFFb09Zc0duaGpLalNhOHZsdVU2NjJtVnBySDg0bS1HZnlHaWQ5S21nN2NUM1NrdDd5TVNpbVZJdXBVd0pHcjdSLTdiTE5ieTNJUEhFZ05jeWVMek5wVUJUa3gwbXJyeEpwMF9lRjF6SXBiM1liQQ&q=https%3A%2F%2Fwww.instagram.com%2Fburkebrittonfp&v=RJsl_vWfop0] TikTok: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGNtaFdpdWtZT1BCLWVYS2JtTjloaW81RF95d3xBQ3Jtc0ttOUlldWotbmZvUHNhMndxNGlGT1NxV1E3TEprZklxQlNpZWQ5VlQxN0pXX3BCT3FTMmRncm9IOGVBbndmYnJpbDR5VllzbWtSeWZzR3BUb3JPZGlrNll4dUlBN2RKak1xTkwwTFNDQ1A1ZDBjMVpvVQ&q=https%3A%2F%2Fwww.tiktok.com%2F%40burkebrittonfp&v=RJsl_vWfop0] Spotify: https://open.spotify.com/show/5k17gfi... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbDFJWmVoTHMtVHVqYVpPTmhZRTdLZWpQakdQQXxBQ3Jtc0tuS2xtZWQ0VjdZV0lqeWtwbi1VbXpyRmt3YklwRzlkRnJrNTEtMlpEUF9mWXQwdWdaVUd5ODVVV2VLTUN4TDZWV2pMMTRQSXdtMXpUWVp2RkdjemRLUXU4NUNPWDlZUmlGY2hsbHN0eTJUQXI2Ymo1aw&q=https%3A%2F%2Fopen.spotify.com%2Fshow%2F5k17gfi5Kw10osJmeONLoU%3Fsi%3Dcf8cd688f0bd4d6c&v=RJsl_vWfop0] If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au [admin@bbfp.com.au], visit our website at https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqazlSUzhfQ0Q3LXdXRklpZ2JpV1NzWS1FT3JRUXxBQ3Jtc0trNzU2NThZRllWLXJoYm1wMW5EcDV4NVRJTjNMS24zSkdkQ0NhNUFvbEpwcjJxUU84cmJielZXRTlVekRfMmkxVExPQW9jZXZWWnF3M3JDdnk0ZGFNakIxRHprdFM4dUthcjdEcnQ2dkRIdF9CMUl2VQ&q=https%3A%2F%2Fwww.bbfp.com.au%2F&v=RJsl_vWfop0 [https://www.bbfp.com.au] or book a 15min call to see how we can help you via https://outlook.office365.com/book/BB... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUNkSy1zT1FubTlBTnl5X1pQRmdveTkxWHFZd3xBQ3Jtc0ttc3p5YjNvLVc0LU93ZkUzYVV1NU0tSy1OQ05IaVJuQ0VHbDEwNDNKV0EwOUVhMExsbk1mX19BWm05UDBFYXpXUndLWTA3OXpMdmRkOU1kSjNVblBxcmZRQjRqMUNZTXV0cUhURkVrNUQ1eWIwNlhkZw&q=https%3A%2F%2Foutlook.office365.com%2Fbook%2FBBFP%40bbfp.com.au%2Fs%2FMch8gUZK6U2W9Lmg86-jmg2%3Fismsaljsauthenabled%3Dtrue&v=RJsl_vWfop0] Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.

Cash Flow Secrets Every Business Owner Must Know w. Ryan Gollan | Fine Answers Podcast | Episode 160

In this episode of the Fine Answers Podcast, Jay Burke sits down with Ryan Gollan, Founder & Director of CFM Bookkeeping, to break down one of the most critical parts of running a business - cash flow management. Ryan shares his journey from studying commerce at Deakin University, working at Ernst & Young, and performing in Melbourne's music scene, through to building CFM after learning firsthand how quickly cash flow mistakes can derail a business. 💡 We cover: • Why most business owners struggle with cash flow • The biggest tax and spending mistake new businesses make • Why strong revenue doesn't always mean strong profit • Simple ways to understand your business numbers • Strategy vs financial reality in growing a business • Payday Super changes and what they mean for cash flow • How AI is changing bookkeeping (but not replacing it) 📊 Key takeaway: Cash flow clarity is the foundation of business success—without it, growth becomes risky and unpredictable. 📩 Connect with Ryan Gollan: LinkedIn: http://au.linkedin.com/in/rgollan [http://au.linkedin.com/in/rgollan] Website: https://www.cfmbookkeeping.com.au/about-bookkeeper/ [https://www.cfmbookkeeping.com.au/about-bookkeeper/] Facebook: https://www.facebook.com/CFMBookkeeping/ [https://www.facebook.com/CFMBookkeeping/] If you'd like to get in touch with us: Facebook: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbldlSFFWX1NFcFl0OXAwNnhHeXNXRDMxMFFfZ3xBQ3Jtc0trSTRkQ0lYQnFDN0tZTG1oaWNTTXRDSDc3UVY1TlJqQi1jeE5WVHBoZG9iQ0NiLWV1WE4wMjZ0bW1VeERkZ0Z2T09IQ0Y4SHd6WXdUVFhwdG82c05HamxLczllUVhvNXJwR2pBRk1zR1NMbXpubF9sVQ&q=https%3A%2F%2Fwww.facebook.com%2Fburkebrittonfp&v=RJsl_vWfop0] Instagram: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbko5QW9jWnI2aUllQ0JVOC1CczlMZTY5WFA1QXxBQ3Jtc0tsMXFFb09Zc0duaGpLalNhOHZsdVU2NjJtVnBySDg0bS1HZnlHaWQ5S21nN2NUM1NrdDd5TVNpbVZJdXBVd0pHcjdSLTdiTE5ieTNJUEhFZ05jeWVMek5wVUJUa3gwbXJyeEpwMF9lRjF6SXBiM1liQQ&q=https%3A%2F%2Fwww.instagram.com%2Fburkebrittonfp&v=RJsl_vWfop0] TikTok: / burkebrittonfp [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbGNtaFdpdWtZT1BCLWVYS2JtTjloaW81RF95d3xBQ3Jtc0ttOUlldWotbmZvUHNhMndxNGlGT1NxV1E3TEprZklxQlNpZWQ5VlQxN0pXX3BCT3FTMmRncm9IOGVBbndmYnJpbDR5VllzbWtSeWZzR3BUb3JPZGlrNll4dUlBN2RKak1xTkwwTFNDQ1A1ZDBjMVpvVQ&q=https%3A%2F%2Fwww.tiktok.com%2F%40burkebrittonfp&v=RJsl_vWfop0] Spotify: https://open.spotify.com/show/5k17gfi... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbDFJWmVoTHMtVHVqYVpPTmhZRTdLZWpQakdQQXxBQ3Jtc0tuS2xtZWQ0VjdZV0lqeWtwbi1VbXpyRmt3YklwRzlkRnJrNTEtMlpEUF9mWXQwdWdaVUd5ODVVV2VLTUN4TDZWV2pMMTRQSXdtMXpUWVp2RkdjemRLUXU4NUNPWDlZUmlGY2hsbHN0eTJUQXI2Ymo1aw&q=https%3A%2F%2Fopen.spotify.com%2Fshow%2F5k17gfi5Kw10osJmeONLoU%3Fsi%3Dcf8cd688f0bd4d6c&v=RJsl_vWfop0] If you are seeking personal financial advice specific to your circumstances you can contact the team at Burke Britton Financial Partners on 0352217700, admin@bbfp.com.au [admin@bbfp.com.au], visit our website at https://www.bbfp.com.au [https://www.bbfp.com.au] or book a 15min call to see how we can help you via https://outlook.office365.com/book/BB... [https://www.youtube.com/redirect?event=video_description&redir_token=QUFFLUhqbUNkSy1zT1FubTlBTnl5X1pQRmdveTkxWHFZd3xBQ3Jtc0ttc3p5YjNvLVc0LU93ZkUzYVV1NU0tSy1OQ05IaVJuQ0VHbDEwNDNKV0EwOUVhMExsbk1mX19BWm05UDBFYXpXUndLWTA3OXpMdmRkOU1kSjNVblBxcmZRQjRqMUNZTXV0cUhURkVrNUQ1eWIwNlhkZw&q=https%3A%2F%2Foutlook.office365.com%2Fbook%2FBBFP%40bbfp.com.au%2Fs%2FMch8gUZK6U2W9Lmg86-jmg2%3Fismsaljsauthenabled%3Dtrue&v=RJsl_vWfop0] Burke Britton Financial Partners. You can find us on Twitter, Instagram & Facebook @BurkeBrittonFP PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners ABN 67 097 381 523. PB Financial Solutions Pty Ltd trading as Burke Britton Financial Partners are Authorised Representatives of AMP Financial Planning Pty Limited, ABN 89 051 208 327, AFS Licence No: 232706. Any advice contained in this podcast is of general nature only and does not constitute personal financial product advice. In preparing this podcast, no account was taken as to the objectives, financial situation or needs of any particular person. Therefore, before making any decision, listeners should consider the appropriateness of the advice with regard to their particular objectives, financial situation and needs.