! Important If you think landing one big national or multinational contract will change everything, this might change your mind. I have seen profitable Australian businesses nearly crippled because they chased size over stability. Small Fish Are Sweet: Why "The Big...
Strategy
Treat Your Customers Well, but Treat Your Staff Better | TCs Rule of Business
Mar 4, 2026 | Strategy, TCs 2 Cents, TCs Rules of Business
! Important Treat your customers well, but treat your staff better. After working with Australian SMEs over the years, I have seen firsthand how disengaged teams create service breakdowns, rising staff turnover, and hidden profit leaks. I first heard this quote on a...
ATO Overall Strategy
Feb 11, 2026 | ATO, Strategy, TCs 2 Cents
! Important Once you understand the ATO's overall strategy, the last 12 months of behaviour starts to make a lot more sense. If you have felt like they are moving faster and escalating harder — you are not imagining it. This week I want to step back and talk about the...
2026 NY Goals
Jan 21, 2026 | Strategy, TCs 2 Cents, TCs Rules of Business
! Important We have rolled into 2026, and it is that time of year where we all say we are going to get organised. The Christmas break gives you enough breathing room to reflect and ask: did you achieve what you wanted to? We have rolled into 2026, and it is that time...
2025 Christmas Message
Dec 17, 2025 | Strategy, TCs 2 Cents, TCs Rules of Business
! Important Another year is almost done. Before you shut the laptop and head off for a well-earned break, there is something worth doing that does not involve spreadsheets, strategy sessions or five-year forecasts. It is reflection. Another year is almost done. If you...
Housing Crisis: Get the Right Builders Building
Dec 3, 2025 | Small & Medium Business, Strategy, TCs 2 Cents
! Important Australia needs more homes. But the real risk is not only how many homes we build — it is who we let build them, and whether governments have the systems to separate quality operators from the cowboys. Every time you open the news, it is the same headline...
Divorce What You Need to Consider
Nov 26, 2025 | Family Business, Strategy, TCs 2 Cents
! Important Divorce is an unfortunate but very real part of life. The way you approach it will shape your life and your children's lives for years to come. This is not about winning — it is about getting to a fair, workable path forward. Divorce is an unfortunate but...
The Good, the Bad and the Ugly of Estate Planning
Nov 19, 2025 | Family Business, Strategy, TCs 2 Cents
! Important Tough topic, but one we all have to face — death. We see it often: family members coming in after someone passes with no idea where documents are, what assets there are, or how to start probate. Tough topic, but one we all have to face — death. We see it...
There Are No Shortcuts to Success in Business or Work
Nov 13, 2025 | Strategy, TCs 2 Cents, TCs Rules of Business
! Important Everyone says they want to get ahead. But do you want to talk about getting ahead, or do you actually want to get ahead? There are no shortcuts, no hacks, no magic bullet. Just work, repetition, mistakes, learning, and doing it again. Everyone says they...
Factors Impacting Property Prices
Nov 5, 2025 | Business Analysis, Strategy, TCs 2 Cents
! Important Property is expensive. But the conversation needs to be honest. Australia's population is heavily concentrated into a few major cities, lifestyle inflation is real, and compromise is not a failure — it is the entry fee. I have posted a fair bit lately...
Small Business Month
Oct 29, 2025 | Small & Medium Business, Strategy, TCs 2 Cents
! Important October is Small Business Month. There are just under 2.6 million small businesses in Australia — more than 97% of all businesses in the country. Together, they employ almost five and a half million Australians. October is Small Business Month. And before...
AI In Action
Oct 22, 2025 | Growth & Operations, Strategy, TCs 2 Cents
! Important AI will have a profound impact on almost every facet of our personal, employment and business lives. In my own business, we are not waiting for the wave to hit — we are already in the surf. There has been plenty of hype about artificial intelligence...
Business Succession Planning
Oct 8, 2025 | Small & Medium Business, Strategy, TCs 2 Cents
! Important We are about to see a significant wave of retiring baby boomers in Australia. Many of them are business owners. If you are even remotely considering exiting in the next three years, now is the time to start getting your house in order. We are about to see...
Structure to Scale Your Property Portfolio
Oct 1, 2025 | Growth & Operations, Strategy, TCs 2 Cents
! Important Scaling a property portfolio without the right structure is like building a house without foundations. Entity selection, loan structuring, and asset protection need to be addressed before you buy — not after. Australians of almost every background see...
The Sleep at Night Test
Sep 24, 2025 | Growth & Operations, Strategy, TCs 2 Cents
! Important Every major business or investment decision comes down to one question: can you sleep at night? If the answer is no, the numbers do not matter. Risk tolerance is personal — and ignoring it leads to bad outcomes. There is a moment that tells you more than...
Time to Review Your Accountant or Adviser
Sep 17, 2025 | Small & Medium Business, Strategy, TCs 2 Cents
! Important Your accountant should be more than a compliance machine. If they are not asking the right questions, challenging your structure, or helping you plan ahead, it might be time for a change. What got you here may not get you there. That applies to business...
Make Child Care Costs Tax Deductible
Aug 27, 2025 | Strategy, Tax, TCs 2 Cents
! Important We say we want more women back in the workforce. We talk about productivity, skills shortages and cost of living pressures. Yet one of the biggest barriers to working remains completely non-deductible from a tax perspective: childcare costs. Let's call it...
Construction Gap – Falling Short of Housing Targets
Aug 20, 2025 | Small & Medium Business, Strategy, TCs 2 Cents
! Important Australia is aiming for 1.2 million new homes over five years. Even with recent improvements, approvals remain more than 50,000 homes short of what is required each year. This structural supply gap has real consequences. For a while, the headlines were all...
Riding the Automation and AI Wave
Aug 13, 2025 | Growth & Operations, Strategy, TCs 2 Cents
! Important Whether you own a business or earn a salary, the takeaway is the same: start using automation and AI tools now, or risk falling behind. AI is already doing real work at a speed and accuracy humans cannot match. Not long ago, "being good with tech" meant...
Negative Gearing – Scrap, Adjust or Stay?
Aug 6, 2025 | Strategy, Tax, TCs 2 Cents
! Important Negative gearing is back in the headlines. Again. We have a housing shortage, a Federal target to build 1.2 million homes, and frustrated first-home buyers. Every time pressure builds, someone says scrap negative gearing. It is not that simple. Negative...
Debt Recycling Using Your Offset: A Worked Example
Jun 18, 2025 | Cash Flow, Strategy, TCs 2 Cents
! Important Offset accounts are brilliant for flexibility. They also create an opportunity to structure borrowings in a way that can improve your after-tax outcome over the long term. This article is a practical, plain-English worked example showing why the 'where the...
Offset vs Redraw: What’s the Difference and Which Loan Option is Better?
Jun 12, 2025 | Cash Flow, Strategy, TCs 2 Cents
! Important When setting up a home or investment loan, many borrowers are offered either an offset account or a redraw facility. While both can reduce the interest you pay, they are structured differently — and that structure can have long-term implications for...























