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The cash rate's at 4.60% and your repayments just went up again. Most owners don't find out what that costs until the bank statement lands.   In this episode, Reuben breaks down what rising interest costs are really doing to your cash flow, and gives you a straightforward playbook to protect your business while rates stay high. No jargon, just the moves that actually work.   You'll learn: - Why interest is a "silent" line item that quietly eats your profit - The five step playbook for getting on top of rising debt costs - Why you should chase the rate, not the size, when paying down debt - How shortening your debtor days acts like a free cash boost - Why you shouldn't treat the ATO like an overdraft, now that Payday Super is here - The one thing to build this week to see trouble before it hits   For Australian business owners who are carrying debt and feeling rate rises squeeze their cash flow.   This episode is general information only and doesn't consider your personal circumstances. Speak to your accountant or adviser before acting.   Book a strategy call with New Wave. Follow Business Uncut on Spotify.

A proposed 30% minimum tax on family trust income could land from July 2028. Here's what actually changes, and what doesn't. In this episode, Reuben breaks down the draft law for the proposed 30% minimum tax on discretionary trusts, what it means for owners who run a business or hold investments through a family trust, and a five-step framework to work out your real exposure before the rules are final. You'll learn: Whether your trust is actually in the firing line, or barely affected Why a bucket company could now cost you more, not less Why paying working family members a proper wage matters Your three options: sit tight, restructure under the 2027 to 2030 rollover, or make the new one-off election The one document to pull out this week to measure your exposure in dollars For Australian business owners who run a family trust and want to plan early rather than react late. This episode is general information only and doesn't consider your personal circumstances. Speak to your accountant or adviser before acting. Book a strategy call with New Wave. Follow Business Uncut on Spotify.

Your P&L says you made a fortune. Your bank account disagrees. Here's where the gap between profit and cash is actually hiding. In this episode, Reuben breaks down why profitable businesses still run out of money, walking through the five places cash quietly disappears to before you ever see it as an expense, plus a new super change every employer needs to know about. You'll learn: Why profit and cash are two completely different stories The five leaks that drain cash out of a profitable business How stock, debtors and loan principal hide from your profit and loss What Payday Super changes about using super as a cash buffer Three common traps that make the problem worse One twenty minute action to start closing the gap this week For Australian business owners who are sick of being profitable on paper and broke in the bank. This episode is general information only and doesn't consider your personal circumstances. Speak to your accountant or adviser before acting. Book a strategy call with New Wave. Follow Business Uncut on Spotify.

In this short episode of Business Uncut, Reuben walks you through how New Wave Accounting helped an e-commerce business avoid over a million dollars in tax within just two months without increasing revenue or taking unnecessary risks. By reviewing their existing tax structure and identifying missed opportunities, we restructured their setup, recovered overpaid GST, and secured grants they weren’t aware of. If you’re scaling a business, this episode is packed with insights that could make a big difference to your bottom line.

In this episode of Business Uncut, Reuben dives into a crucial but often overlooked aspect of business planning: the director's succession plan. He shares real life examples of businesses that faced major challenges when disaster struck without a plan in place. From frozen bank accounts to family disputes, learn why having a clear succession plan can make all the difference in protecting your business, your assets, and your legacy. Tune in to discover a simple, three part framework that can safeguard your business and ensure it continues to thrive, no matter what life throws your way.

In this episode of Business Uncut Reuben and Anthony from New Wave Financial Planning explain how business owners can balance running and growing a business with building personal wealth. They cover when and how to extract surplus cash, tax-effective strategies including SMSFs, and options for short and long-term investments. The conversation also addresses risk management, insurance, succession planning, and the importance of cashflow awareness and advisor collaboration(accountant, financial planner, mortgage broker). Listeners will get practical steps to diversify, protect their income, and create a plan that aligns business goals with personal financial freedom.

Welcome to another episode of Business Uncut with Reuben. In this episode, we dive into essential strategies for starting the new financial year on the right foot. As the financial year begins, it’s crucial for business owners, whether solo operators or leaders of large teams, to set actionable goals, reflect on the past year's performance, and plan effectively for the future. Reuben shares his personal approach to planning, including the importance of taking time to reflect on the previous year’s successes and challenges. Discover how a one-page plan can serve as your North Star, aligning your team with your business objectives and values. From analysing past financial performance to setting new goals and embracing opportunities for growth, this episode provides practical insights and valuable tips on how to navigate the next 12 months with confidence.

In this short episode of Business Uncut, Reuben dives into a crucial mindset shift for business owners: how to stop letting the fear of taxes hold you back from growing your business. He breaks down the common limiting belief that more profit equals more tax and explains why putting tax first can stunt your business’s growth. Instead, Reuben encourages business owners to focus on profitability, cash flow, and scalability, with tax being a natural by-product of a healthy, successful business. Reuben shares practical insights on how to drive profitability, manage tax planning, and create a business that works for you, not the other way around. If you’re ready to shift your focus and build a more profitable, scalable business, this episode is for you.

In this episode of Business Uncut, Reuben teams up with digital marketing expert Sam Barnes from Fourth Wave Digital to unpack how businesses can scale faster and smarter using paid ads, AI, and data-driven strategies. From cost-per-lead to automation and lifetime value, they dive into the real levers that drive sustainable growth — not guesswork. Whether you're starting from scratch or stuck on referrals, this episode is your roadmap to building a scalable, profitable, and modern business.

In this episode of Business Uncut, Reuben dives into the impact of Trump’s tariffs on Australian businesses, especially eCommerce owners and exporters. He breaks down how these tariffs can squeeze margins and expose weaknesses in operations, offering actionable strategies to adapt. From renegotiating with suppliers to pivoting your pricing model, Reuben shares crucial advice for navigating the challenges ahead. With a looming trade war, it’s time to make changes now to protect your business long-term. Tune in for expert insights on how to thrive in an uncertain global economy.

In this episode of Business Uncut, Reuben sits down with Jameson Smith, Director of New Wave Law, to discuss the critical legal agreements every business owner should have in place. Whether you’re a startup or an established entrepreneur, Jameson explains the importance of foundational legal agreements like shareholder agreements, intellectual property protection, and contracts with suppliers or clients. Tune in for invaluable insights into how these agreements help safeguard your business and ensure long-term success.

After a break, Business Uncut is back! Join Reuben who is diving into the most crucial steps for business owners who are struggling and want to get back on track. In this episode, Reuben will walk you through the key strategies he has used with some of his clients to turn around their businesses, focusing on increasing profitability and improving cash flow. If you're feeling stuck and overwhelmed, this episode is for you. Whether it’s refining your financial strategy, streamlining operations, or implementing growth tactics, Reuben will share actionable steps to help you build a strong foundation for success. Tune in for no-nonsense, practical advice that can set you on the path to a more profitable and healthy business. Let’s make 2025 the year of your business turnaround!

Join hosts Ana Lukac and Callum Farrugia from New Wave Accountants as they sit down with esteemed lawyer Jameson Smith to unravel the critical importance of shareholder agreements in small businesses. In this insightful episode, you'll learn the basics of legal protections, how to safeguard your business interests, and why a robust shareholder agreement is a must-have for any small business owner. Don't miss this essential discussion packed with actionable advice and expert insights that can help you secure the future of your business. Tune in now and elevate your business knowledge! **Topics Covered:** - Importance of shareholder agreements - Key legal protections for small businesses - Steps to secure your business interests - Expert tips from lawyer Jameson Smith Subscribe to our channel for more expert business advice and insights! www.new-wave.com.au

Reuben and Callum delve into crucial updates and strategies for 2024 tax planning in Australia. They uncover the secrets to minimizing taxes, explain recent changes in ATO debt management, and demystify anti-avoidance measures. If you're a small business owner seeking clarity and a way to stay ahead in the ever-evolving tax landscape, this episode of *Business Uncut* provides actionable insights and expert advice tailored for your success.

In this revealing episode of Business Uncut, Shaneel, CFO and Partner of New Ways Accounting, and Ana, the Practice Manager, unravel the intriguing concept of a 30-hour work week strategy they have successfully adopted. They discuss how this unprecedented initiative boosts productivity, improves employee quality of life, and results in a happier and healthier workforce. This insightful conversation shines a light on the obstacles faced in implementing this strategy, the positives that came out of it, and the long-term benefits it holds for businesses and employees alike. This episode provides details about a Swedish study on work cycle productivity that inspired the concept. Anna explains how this study, coupled with her own observations on her productivity levels, led to the groundbreaking decision for New Ways Accounting. She discloses the unexpected benefits such as improved staff retention and reduction of sick leaves, which, in their view, outweigh the potential decrease in profits. Shaneel and Ana also delve into the surprising experience of implementing this strategy with their offshore team in the Philippines. They reveal how the employees showed no notable decrease in output or budget management despite the reduction in working hours, resulting in an overall improvement in work efficiency and satisfaction. An exploration into the cultural and organizational factors influencing their offshore team, as well as the potential role of AI and automation in facilitating similar strategies in the future, adds to the intrigue of this conversation. This unique episode, indispensable for business leaders and managers, presents a clear picture of the benefits of workplace change and offers insightful tips for accomplishing it.