What if the government’s proposed superannuation tax changes weren’t just targeting the ultra-wealthy, but could one day hit everyday farming families?

In this episode, Ben Law — The Financial Bloke — is joined again by leading agribusiness lawyer Kylie Wilson to cut through the political spin and lay out what these changes really mean for families on the land.

From the extra 15% tax on balances over $3 million, to the lack of indexation, and the controversial tax on unrealised gains — this conversation gets to the heart of how the rules could reshape retirement planning, succession, and the future of family farms.

You’ll hear why “don’t panic, but get advice” is the message for now, why off-farm assets are still the ultimate superpower in succession, and how failing to plan early could force families into selling the farm when it matters most.

If you’ve ever wondered how these changes could affect your super, your succession, or your kids’ ability to take over the farm, this episode is one you can’t afford to miss.

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Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.

If you want to learn the principles of how to grow your family’s wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.

Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.

https://thefinancialbloke.com.au/

What if the biggest risk you’ll ever take isn’t failing — but hesitating?

In this short, sharp mini episode, Ben Law unpacks the single piece of advice he’s heard most from the wisest minds he’s interviewed: back yourself.

Drawing on years of conversations and his own journey, Ben reveals why waiting until you “feel ready” is a trap, why action beats hesitation every time, and how regret creeps in when you let opportunities pass by.

Whether you’re leading a family farm, growing a business, or trying to make bolder moves in life, this episode will challenge you to stop waiting for permission and start acting now — before it’s too late.

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Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.

If you want to learn the principles of how to grow your family’s wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.

Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.

https://thefinancialbloke.com.au/

What keeps a fifth-generation family business alive for more than a century? In this episode, Ben Law sits down with Tom Morrissey of Morrissey & Co, the Darling Downs family behind Australia’s most trusted calf cradles and cattle equipment.

From humble blacksmith beginnings in 1910 to pioneering world-first solar-powered hydraulic crushes, the Morrisseys have always balanced tradition with innovation. Tom shares how his family works side by side — parents, siblings, and now the next generation — and the systems they’ve put in place to avoid the traps that sink most family businesses.

You’ll hear the secrets behind their longevity: putting customers first, making products that outlast decades of use, and doing the hard work of family alignment. Tom talks candidly about the breakthrough moments when the Morrisseys stopped bottling things up and learned to sit down, face the tough conversations, and back each other in.

This is more than a story about cattle gear. It’s about legacy, leadership, and the mindset required to carry a business — and a family name — across generations.

If you’re part of a family business, thinking about succession, or just curious about what it really takes to last 115 years in ag, this conversation is packed with lessons you won’t forget.

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Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.

If you want to learn the principles of how to grow your family’s wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.

Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.

https://thefinancialbloke.com.au/

"We should’ve started this 10 years ago."

Ben Law has heard that exact sentence more times than he can count — whispered by farming couples in their 60s and 70s, after the kids leave the room.

In this punchy and powerful mini episode, Ben dives into one of the most painful regrets he sees in agriculture: waiting too long to get started.

Waiting to have the hard conversations.
Waiting to plan the future.
Waiting for clarity. Permission. The ‘right time.’

You’ll discover:

• Why most families delay succession conversations — and what it costs them
• The invisible drift that slowly damages relationships and legacy
• How High Performing Families avoid the 10-year regret by starting early, even when it’s messy
• Why well-meaning advisers who say “wait” are often part of the problem

This episode is a wake-up call for the quietly frustrated mum, the cautious dad, or the next-gen leader ready to take action. Don’t wait for regret — lead now.

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Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.

If you want to learn the principles of how to grow your family’s wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.

Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.

https://thefinancialbloke.com.au/

If your kids are going to inherit the farm — or the family fortune — you’d better be sure they know how to manage it.

In this no-fluff, high-value episode, Ben is joined by long-time mate and mortgage strategist Ryan Baddock to explore what it really takes to get the next generation wealth-ready — long before succession.

You’ll discover:

• Why teaching your kids how to build wealth is more important than just handing it over
• The key steps young people should take before buying their first investment property
• How parents can support their kids without enabling them — including the right (and wrong) ways to help with deposits and guarantees
• What banks really look for when assessing young borrowers — and the hidden landmines that can derail your kids' financial future
• Why lending rules are not one-size-fits-all — and how a good broker can mean the difference between “no deal” and “you’re in!”

Whether your kids are headed back to the farm or off to forge their own path, this episode is packed with real-world advice on setting them up for wealth, wisdom and independence.

🛠 Practical. Strategic. Eye-opening.

This one’s a must-listen for every farming family that wants to break the three-generation curse.

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Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.

If you want to learn the principles of how to grow your family’s wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.

Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.

https://thefinancialbloke.com.au/

Think your farm is your retirement plan? Think again.

In this confronting MINI EPISODE, Ben Law — The Financial Bloke — takes aim at one of the most dangerous beliefs in family agriculture: “The farm is my super fund.”

That mindset has quietly blown up more successions than droughts or disputes ever have.

You’ll discover:

• Why relying solely on the farm for retirement is a recipe for regret
• How off-farm assets create options — and protect your family from debt and dysfunction
• A practical starting point for building retirement income without sacrificing the business
• Real-world examples of what happens when you plan ahead… and when you don’t

This episode is essential listening for anyone who wants to transition the farm without tearing the family apart — and leave a legacy with options, not obligations.

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Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.

If you want to learn the principles of how to grow your family’s wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.

Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.

https://thefinancialbloke.com.au/

What’s holding your family business back — being wrong, or being too slow to change?

In this energising conversation, Ben Law sits down with Dr. Mark Ferguson — sheep genetics expert, CEO of Next Gen Agri, and host of The Head Shepherd Podcast — to explore why the greatest risk in ag today isn’t failure... it’s inertia.

From the paddock to the boardroom, this episode cuts through the fluff and tackles the hard truth: the families that thrive are the ones who fail fast, think curiously, and adapt quicker than the rest. It’s not about having all the answers — it’s about asking better questions, challenging old assumptions, and staying ahead of the curve.

You’ll learn:

• Why “slow to act” is deadlier than “wrong to act”
• How a curious mindset can compound your results
• The role of confirmation bias and how it traps even good operators
• Why your next generation may be your best untapped asset
• The power of asking dumb questions and staying open — no matter your age or experience

Whether you're managing millions in livestock or just starting to hand over the reins to the next generation, this episode is a wake-up call to stop waiting — and start evolving.

Hit play. Then share it with someone who needs a nudge to think bigger, act sooner, and lead smarter.

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Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.

If you want to learn the principles of how to grow your family’s wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.

Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.

https://thefinancialbloke.com.au/

Ever found yourself snapping at the wrong person, avoiding the real issue, or feeling stuck but not sure why?

In this punchy mini episode, Ben Law — The Financial Bloke — unpacks the two emotional drivers that quietly derail farming families: fear and frustration. Left unchecked, these forces sabotage relationships, cloud decisions, and stall progress.

But here’s the good news: once you understand them, you can master them.

Ben reveals:

• Why even the most successful families are being silently shaped by these emotions
• How fear and frustration disguise themselves as busyness, anger or avoidance
• Four practical tools to help you respond like a leader instead of reacting like a victim
• The one question high performers ask when the pressure hits

If you want to build emotional fitness, lead your family better, and stay grounded in tough times — this episode delivers the goods.

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Ben spent over 20 years working with successful business owners and farming families which allowed him to unearth the timeless principles on how to successfully grow, protect and maintain wealth.

If you want to learn the principles of how to grow your family’s wealth throughout the generations, then you might consider joining The AgriCoach Podcast each fortnight for more Wealth & Wisdom.

Disclaimer: The information contained in this podcast is general in nature and for education purposes only. It is not financial advice. It is not legal advice. No one should act on the information without appropriate specific advice for your particular circumstances. Ben Law is a former financial advisor but is no longer licensed and cannot and will not give you specific or personal advice in this podcast. The Financial Bloke Group Pty Ltd accepts no responsibility for any loss or damage occasioned by any person acting or refraining from action as a result of reliance on the information in this podcast.

https://thefinancialbloke.com.au/