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What makes a good retirement?

In this episode of The Winner’s Playbook, Josh and Billy unpack what retirement really looks like beyond the numbers.

They break down the four types of retirees, why a big super balance does not always equal a happy retirement, and how work, purpose, relationships, health and lifestyle all play a role.

They also discuss why the best retirement plans are flexible, how to avoid feeling lost once work slows down, and why building a life you actually enjoy matters just as much as building wealth.

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Want to find an 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 Fan Mail

Think the Federal Budget won’t affect you? This one might be worth paying attention to.

In this episode of The Winner's Playbook, Josh and Billy break down the biggest proposed changes from the latest Federal Budget, including negative gearing, capital gains tax, trusts and bucket companies. They explain what could change, who may be impacted, and why property investors, business owners and retirees should be watching closely.

They also talk through some of the smaller wins, like the instant asset write-off, tax loss carry-back rules and worker tax offsets, while giving their honest take on whether these measures really go far enough. You’ll hear why superannuation and investment bonds may become even more important, and why rushing into big changes before the dust settles could be a mistake.

Whether you own property, run a business, use a trust structure or simply want to understand what this Budget could mean for your money, this episode gives you a clear, no-nonsense breakdown without the political noise.

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Want to find an 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 Fan Mail

Are interest rates about to bite again?

In this episode of The Winner’s Playbook, Josh and Billy record from the new podcast studio for the first time and unpack some big money topics facing Australians right now.

They discuss inflation, the possibility of higher interest rates, what rising rates could mean for mortgages, bonds and cash, plus why investors may need to think carefully about buffers, debt and risk.

They also break down the latest on Division 296, possible Federal Budget changes around capital gains tax, trusts, negative gearing and EVs, and why it pays to build a plan that can adapt when the rules change.

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Want to find an 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 Fan Mail

How much is enough to retire and why the answer is never simple.

What if the real challenge isn’t how much you have, but how you define “enough”?

In this episode of The Winner’s Playbook, Josh and Billy unpack one of the biggest questions in personal finance: how much you actually need for retirement. They explain why there’s no universal number, and how your lifestyle, goals, and spending habits shape the answer.

They break it down practically, starting with your current expenses, future plans, and the income required to fund your retirement lifestyle. They also discuss common mistakes, including chasing a number too early and taking on the wrong level of risk as retirement approaches.

A grounded look at retirement planning focused on clarity, flexibility, and building a strategy that actually works in real life.

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Want to find an 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 Fan Mail

Your 40s are where money either starts working for you… or you start working harder just to stay afloat.

In this episode of The Winner’s Playbook, Josh and Billy break down the realities of this stage of life, where peak earning years meet peak expenses, from mortgages and family pressure to career demands and retirement planning.

They discuss the most common mistakes, including investing too late, overcommitting to the family home, and relying too heavily on a single asset. They also share smarter strategies for building long-term wealth, including diversifying income streams, using superannuation effectively, and avoiding the trap of focusing only on paying off the home loan.

This episode highlights why taking action and avoiding overthinking are key to building financial freedom in the long run.

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Want to find an 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 Fan Mail

In this episode of The Winner’s Playbook, Josh and Billy break down what’s really happening in global markets, from interest rates and inflation to oil, AI, Bitcoin, gold, and tech stocks.

They explain why short-term market moves are unpredictable and why trying to time them can cost investors.

They also explore how higher rates impact households and businesses differently, why oil price surges fuel inflation, and how small to medium businesses are feeling the pressure.

On investments, they cover gold as a safe haven, crypto struggles, and AI-driven opportunities in tech.

The key takeaway: you can’t control the noise, but you can control your strategy. Diversification, avoiding too much cash, and spotting opportunities when markets feel uncomfortable are more important than ever.

This episode shows you how to cut through the chaos and focus on what truly matters.

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Want to find an 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 Fan Mail

What’s really happening in the 2026 property market, and should you buy now?

In this episode of The Winner’s Playbook, Billy is joined by buyer’s agent Kev Tran to unpack what’s really happening, from rising interest rates and borrowing power cuts to inflation, construction costs, and policy conversations around capital gains tax and negative gearing.

They explain why the market isn’t moving evenly, with affordable areas in Perth, Brisbane, Adelaide and parts of Melbourne still seeing strong demand, while higher priced segments slow down.

More importantly, they break down what buyers should actually focus on, why trying to time the market can backfire, how to think about affordability and buffers, and what matters most for long term success.

They also cover the types of properties that still make sense in this environment, along with key risks to avoid, including high density apartments, rising body corporate costs, and emotionally driven decisions.

If you’re planning to buy in the next 6 to 12 months but feel stuck between fear and uncertainty, this episode gives you a clear, practical framework to move forward with confidence.

Get in touch with Kev Tran:
https://kevtran.com.au/

https://www.linkedin.com/in/kevtranbuyersagent/

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Want to find an 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 Fan Mail

What is a trust… and do you actually need one?

In this episode of The Winner's Playbook, Billy sits down with Adam from Link Wealth Accounting to break down trusts in plain English. They cover what a trust actually is, how it works, and why people use them beyond just “saving tax.”

The conversation dives into how trusts can create tax flexibility, protect assets, and help with long-term family planning. They also unpack different types of trusts, how distributions work, and some of the common mistakes people make, especially when things are not set up or managed properly.

If you have heard about trusts but never fully understood them, this episode will give you a clear, practical overview of when they might make sense and what to watch out for.

Get in touch with Adam:
https://www.linkwealthaccounting.com.au/adam-jacobson

Adam's TikTok: https://www.tiktok.com/@adam.jacobson.accounting

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Want to find an 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.