Published by Josh and Steph Borowski
Hard Ground is a podcast for farmers and rural operators willing to have the difficult conversations around succession, production, politics, all of it. Join us as we pursue honesty and find the common ground we can all stand on.
Listen on Apple Podcasts52 min
Farm succession planning is not simply about deciding who receives the land. It is about protecting the family farm, preserving relationships, managing debt, creating opportunities for every child, and helping the next generation build a future of their own. In this episode of Hard Ground, succession planner and farmer James Hamilton explains why equal inheritance is not always fair, and why dividing a farm equally can make it impossible for the business to survive. Drawing on professional experience and his own successful family succession, James reveals how farming families can discuss ownership, debt, off-farm siblings, retirement, management transfer, and intergenerational wealth without allowing resentment to control the outcome. This conversation is for farmers, parents, adult children, farming couples, and rural families who know succession needs to happen but are struggling to begin. You will hear why an independent facilitator can ask questions that family members cannot, how transferring debt can improve the succession outcome, why delaying the process often makes it harder, and how regular family stewardship meetings can normalise difficult conversations. A successful farm succession plan should give every family member a clear opportunity, not necessarily an equal collection of assets, and create a path that allows everyone to return to the family table with gratitude. What You’ll Learn: → Why financial, emotional, physical, and symbolic needs must all be considered during farm succession planning. → How an independent succession facilitator helps families reach an in-principle agreement before accountants, lawyers, and financial planners become involved. → Why transferring farm debt alongside land can create a fairer and more sustainable outcome for farming and off-farm children. → How family stewardship meetings, clear sale conditions, and early management transfer can protect both the farm business and long-term family relationships. Chapters 00:00 Introduction to James Hamilton01:05 What does a succession planner actually do?02:28 Understanding financial and emotional needs04:03 Holding up the metaphorical mirror06:49 Why families communicate differently with a facilitator08:05 Reaching an in-principle family agreement09:30 Creating an opportunity for every sibling12:05 Equal inheritance versus keeping the farm together13:35 Why time is one of your greatest succession assets16:09 James Hamilton’s family succession story19:05 Farm profitability, land values, and the need for scale21:20 The internal threats facing family farms23:47 Family stewardship meetings explained25:50 Helping the next generation make an informed choice27:15 Why fair does not always mean equal30:40 When a family therapist may be needed32:55 Managing conflict during a 13-hour family meeting34:40 What happens if the successor sells the farm?37:52 The cost of doing nothing41:34 Knowing when the older generation should step back43:50 How successful farming communities normalise succession45:36 Preparing your family before succession planning47:00 Building the right succession advisory team53:24 Red flags in the succession planning industry57:03 Trust, ethics, and avoiding profit-driven advice01:00:37 Final thoughts and closing
14 min
Why do so many farmers stay silent when they are struggling with depression, hopelessness, or suicidal thoughts? In this episode of Hard Ground , we examine the hidden mental health crisis affecting farmers, rural men, agricultural families, and multigenerational family farms. Farm succession is not simply a financial or legal process. When the future of a farm becomes uncertain, a farmer can feel trapped, powerless, ashamed, or unable to move the family business forward. That pressure can affect his identity, marriage, decision-making, self-worth, and belief that he is providing value to his family. In the darkest moments, he may begin to see himself as a burden and believe the people around him would be better off without him. This conversation explores why pride, public humiliation, family conflict, masculine expectations, and fear of judgment can stop farmers from asking for mental health support. It also examines a unique barrier in rural communities: some farmers fear that admitting they are experiencing suicidal thoughts could result in their firearms being removed. For people who use firearms as everyday farming tools, that fear can create another reason to remain silent. This episode is for farmers, farming families, rural communities, succession planners, agricultural professionals, and anyone concerned about farmer suicide prevention. You’ll learn how unresolved farm succession disputes can create hopelessness and emotional isolation, why some men connect their personal value to leadership and financial performance, how shame and fear of public humiliation discourage honest conversations, and why mental-health campaigns can fail when practical support does not reach people inside rural communities. The discussion also examines how family members absorb the pressure when a farmer is no longer coping, why women may feel forced to carry additional responsibility, how pride allows problems to fester behind closed doors, and why removing barriers to confidential support is essential for farmer mental health and suicide prevention. 00:00 The hidden cost of silence 00:49 Introducing the farmer suicide conversation 01:25 How farm succession creates hopelessness 02:18 Why suicide affects farming men differently 03:16 Masculinity, achievement and personal value 04:02 Feeling like a burden to your family 05:03 Why women step into the leadership gap 05:42 Victimhood, faith and emotional isolation 06:39 What happens when problems stay hidden 07:05 Fear of humiliation and exposure 08:09 Why farmers struggle to ask neighbours for help 09:14 Firearms and the fear of speaking honestly 10:37 Is talking about mental health enough? 11:30 Why awareness campaigns often go nowhere 12:07 Reaching the farmers who need support 12:28 Why pride can become a killer 13:22 Pushing through the fire as a family 14:01 Closing thoughts #FarmerMentalHealth #FarmSuccession #SuicidePrevention #RuralMentalHealth #FarmingFamilies 2. What You’ll Learn3. ChaptersHashtags
59 min
What would happen to your family’s income if illness, injury, or an unexpected crisis stopped you from working tomorrow?After being diagnosed with stage four endometriosis, Amy faced emergency surgery, weeks away from her literacy clinic, a major medical bill, and the frightening realization that no work meant no income. That moment pushed her to explore online income, affiliate marketing, digital marketing, investing, cryptocurrency, and multiple income streams. Later, while recovering in a hospital bed, one of those income streams generated $1,500 without her being physically present.In this conversation, Amy explains how income diversification transformed her family’s options in just three years. We discuss financial resilience, trading time for money, building backup income, overcoming fear and skepticism, understanding risk, and learning to think beyond traditional jobs and investments.The conversation also explores financial sovereignty, centralized and decentralized finance, alternative education, AI’s impact on future careers, raising entrepreneurial children, and creating a life with greater flexibility. This episode is for parents, business owners, farmers, sole traders, employees, and anyone who wants more control over how they earn, live, and prepare for an uncertain future.You’ll learn:→ Why depending on one income source can leave a family financially vulnerable when illness, injury, business disruption, or another unexpected event occurs.→ How Amy began building online income beside her existing clinic before eventually creating several different income streams.→ Why diversification is not only about earning more money—it can provide breathing room, flexibility, mobility, and the ability to make less emotional decisions during a crisis.→ How open-mindedness, calculated risk, failure, emerging technology, AI, financial education, and alternative ways of learning could shape the next generation.CHAPTERS00:00 Meet Amy02:15 From primary teacher to literacy clinic owner05:35 The health crisis that stopped Amy from working09:20 Making $1,500 while recovering in hospital12:05 Why one income stream is not enough15:30 Spending, investing, and understanding risk20:20 Dyslexia, confidence, and the education system25:25 Preparing children for an AI-powered future30:45 Where beginners can start exploring new options35:30 Skepticism, scams, and conditioned money beliefs41:40 Banks, restrictions, and control over your money48:10 Centralized versus decentralized finance54:15 Travel, alternative education, and family freedom01:01:15 Saying yes, failing, and learning as you go01:06:10 Amy’s final advice: start small and stay openThis conversation reflects personal experiences and opinions and is provided for educational purposes only. It is not financial, investment, tax, or legal advice. Conduct your own research and consult an appropriately licensed professional before making financial decisions.
1 hr 17 min
Family farm succession is not just about land, money, wills, or who gets what. It is about communication, trust, family dynamics, hard conversations, emotional safety, and whether the people around the table feel heard. In this episode of Hard Ground, we sit down with Katie Godden to talk about why farming families avoid the conversations that matter most, and what happens when those conversations are left too long. If you are part of a family farm, rural business, or agricultural family trying to navigate succession planning, conflict, resentment, generational pressure, or difficult family communication, this conversation is for you. Katie brings years of experience in communication, behavioural profiling, NLP, teaching, and family farm facilitation to help unpack why people shut down, blow up, avoid, defend, or misread each other when the stakes are high. This episode matters because the cost of silence is rarely immediate. It builds slowly. Trust erodes. Resentment grows. Families drift. And by the time succession arrives, the real issue is often not the farm plan, but the years of conversations nobody knew how to have. You’ll learn why different people receive communication differently, and how understanding someone’s “map of the world” can change the way a conversation lands. You’ll hear why trust needs to be built before the hard conversation, not during the crisis, especially in family farm succession and rural family businesses. Katie explains how to prepare yourself before a difficult conversation by knowing the outcome you need, without trying to control the other person’s response. You’ll also learn practical ways to regulate your body, pause, listen, repair, and help others feel heard when emotions run high. -- As a former teacher with 16 years of classroom experience and someone living with Type 1 Diabetes for over three decades, l've experienced firsthand how words can either build trust or break it. I was also raised on a family farm, so I know what it's like to work alongside people you care about. When family and business overlap, communication takes on a different weight. You care deeply about getting it right; about being honest without hurting people, about protecting relationships while making big decisions, about keeping things moving forward without losing what matters most. Through my extensive research in communication, behavioral profiling, and NLP, l've dedicated myself to helping leaders, agribusiness families and professionals create meaningful conversations that truly land. I work with clients to refine their communication skills, overcome resistance, and create lasting transformation. Chapters 00:00 Intro 01:20 Welcome to Hard Ground 01:32 Why is communication so hard? 03:24 We are wired for connection 04:09 Everyone has a different map of the world 06:49 Conversational agility and personality styles 10:38 The consequences of not communicating 11:41 Filling the trust bucket 13:02 Why people need to feel heard 15:07 Preparing for hard conversations 16:23 Outcome vs expectation 18:21 What do I need to feel complete? 19:01 What if you are the only communicator? 20:34 Leading the way in hard conversations 21:53 The cost of silence in family farms 25:04 Katie’s background and why this matters 28:30 Can broken communication be repaired? 32:59 Willingness, patience, and acceptance 35:03 Why Katie works before succession 37:31 The Art of Hard Talk 40:02 How Katie helps families communicate 43:25 Creating safety before honesty 46:41 Moving through emotion in hard conversations 48:42 Simple body cues that calm conflict 51:20 Helping kids move through emotion 55:22 Why this matters in family farming 58:33 Farmers, resilience, and being heard 01:00:00 The biggest communication skill 01:03:07 Staying connected over a lifetime 01:06:13 Men, women, and feeling heard #FamilyFarm #FarmSuccession #HardConversations #RuralFamilies #AustralianAgriculture
1 hr 4 min
Farm succession can either protect your family legacy or tear it apart. In this episode, succession lawyer Theresa Dowling explains what really happens when farming families avoid the hard conversations about ownership, inheritance, wills, unpaid labour, in-laws, family trusts, debt, retirement, and who gets control of the farm. If you are part of a family farming business, planning to return to the farm, married into a farming family, or trying to work out what happens when Mum and Dad step back, this conversation is for you. Thersa shares real stories of farm succession disputes, court cases, broken family relationships, and the massive legal costs that can come when families do not put clear plans in place. We talk about why farms are not just normal businesses, why emotions run so high, how communication breaks down, and why promises like “this will all be yours” can become dangerous when nothing is written down. This episode is a must-watch for anyone wanting to avoid a family farm succession disaster, protect the next generation, and keep both the farm and the family intact. You’ll learn: → Why family farm succession disputes often start years before anyone goes to court. → How informal promises can create major legal and financial risk. → Why daughter-in-laws and son-in-laws should often be included in succession conversations. → How early planning with lawyers, accountants, financial planners, and mediators can help farming families avoid devastating conflict. → How succession disputes can cost hundreds of thousands of dollars. → Why communication breaks down between generations. → What proprietary estoppel means in plain English. → When legal action may become necessary. → How asking better questions can help families move from resentment and fear toward clarity, structure, and protection. 00:00 Intro: Why succession plans need to handle things going wrong 00:45 Meet Theresa Dowling, succession lawyer 01:12 Why farming families end up in legal disputes 03:04 Informal farm arrangements and misaligned expectations 04:44 Why family farms are not like other businesses 06:12 Debt, trusts, unpaid labour, gender roles, and sibling rivalry 10:38 What happens when families avoid succession conversations 11:27 Lifetime disputes vs after-death disputes 12:23 The “this will all be yours” promise gone wrong 14:16 When farm succession ends up in the Supreme Court 17:43 The real legal cost of farm succession disputes 19:26 How court can freeze the whole farming enterprise 21:14 The mental health cost of family farm disputes 23:21 Proprietary estoppel explained in plain language 25:42 Why succession plans must prepare for accidents, illness, and death 27:35 When families usually call a succession lawyer 29:30 Why in-laws need a seat at the table 33:22 Teresa’s background in rural Australia and succession law 38:10 When the family hits a communication roadblock 40:31 How mediators help farming families talk again 43:12 How to start the conversation with a resistant parent 50:11 Ask Mum and Dad what they actually want 52:18 When going to court may be necessary 54:04 Elder abuse and inheritance impatience 56:01 What happens after 20 years of unpaid farm work 01:00:20 How families can avoid catastrophic outcomes 01:02:50 Teresa’s final advice for older and younger generations
40 min
Farm succession planning can feel impossible when family conflict, old wounds, fear, resentment, and unspoken expectations are sitting under the surface. In this conversation, Josh and Steph talk honestly about what happens when the family farm, marriage, parenting, in-laws, succession planners, and father-son relationships all collide. This episode is for farming families who know they need to talk about succession, farm transition, inheritance, business structure, communication, and the future of the farm, but feel stuck, overwhelmed, or afraid to rock the boat. If you have ever come home carrying the stress of the farm into your marriage, felt alone in the fight with your parents, or wondered whether outside help could actually make things worse or better, this conversation is for you. Josh and Steph unpack the emotional reality behind succession planning: why good intentions can still hurt, why the first attempt might not work, why a husband and wife need to become a team, and why healing the relationships often matters before solving the business structure. Why farm succession planning is rarely just about land, money, inheritance, or business structure, and why communication, fear, loyalty, and family history often drive the conflict. How unresolved farm stress can follow a farmer home and quietly affect marriage, parenting, emotional health, and the feeling of safety inside the family. Why bringing in a third party, succession planner, mediator, coach, or trusted outside voice can help families stop the cycle of frustration and start clearer conversations. How Josh’s journey from anger, resentment, and pressure toward faith, peace, and responsibility changed the way he carried the weight of the family farm. 00:00 Intro and why this conversation matters 01:40 Stories from farming families behind the scenes 02:16 Why succession planning can tear families apart 04:33 Reflecting on their own family farm situation 05:01 Values, communication, fear, and rocking the boat 07:10 The first step toward getting help 08:13 Seeing the farm stress from a spouse’s perspective 10:16 Carrying the pressure home into marriage 11:13 Finding outside help for the first time 12:42 Why succession can take many small steps 13:29 The tension between loyalty, change, and family pain 15:24 Why staying silent can do long-term damage 17:06 When your spouse feels scared to add more pressure 18:41 Realising the cost of being emotionally absent 20:00 Why husbands and wives need to become a team 22:03 Progress, not perfection 23:05 You are not alone in farm family conflict 24:33 Why we can get addicted to our own story 26:05 When it is time to look beyond the family 27:12 Why choosing the right succession help matters 28:31 How getting help changed their marriage 29:05 Healing the father-son relationship 29:43 The role faith played in Josh’s transformation 34:32 What Fireside is and who it is for 37:10 How to connect and share your story #FarmSuccession #FamilyFarm #SuccessionPlanning #FarmLife #FarmingFamilies
1 hr 20 min
Farm succession planning is one of the hardest conversations a farming family will ever have — but avoiding it can cost more than money. It can cost relationships, clarity, trust, and the future of the family farm. In this episode of Hard Ground, Jess Cavanagh from Proactive Succession joins the conversation to unpack why farm succession, family business transition, inheritance, estate planning, and generational change are so emotionally loaded in agriculture. This is for farming families, next-generation farmers, parents on the land, sons and daughters waiting for clarity, off-farm siblings, daughter-in-laws, son-in-laws, and anyone trying to protect both the farm business and the family table. Jess shares why many farmers see outside help as weakness, why “it’ll all be yours one day” is not a real plan, why starting early gives families more options, and why legacy is about more than who gets the land. If your family has avoided the succession conversation, struggled with control, fairness, entitlement, in-laws, or the fear of conflict, this episode gives language, perspective, and hope for a better way forward. You’ll learn why farming families often avoid succession planning, and how the culture of independence in agriculture can make asking for help feel like failure. Jess explains why the patriarch is often the hardest person to bring into the succession process, especially when control, vulnerability, retirement, and responsibility all feel tied together. The episode explores why “fair” and “equal” are not always the same thing when it comes to farm inheritance, off-farm children, business viability, and keeping the farm in the family. You’ll also hear why in-laws should not be shut out of succession conversations, and how including daughter-in-laws and son-in-laws can reveal either valuable insight or real risk early enough to plan properly. 00:00 Legacy, transparency, and family decisions 00:18 Welcome to Hard Ground 00:35 Introducing Jess Cavanagh from Proactive Succession 01:30 Why succession is one of the hardest family conversations 02:07 Why farmers avoid working on the business 03:06 Why asking for help can feel like weakness 06:05 Control, exposure, and the realities of farming 08:17 Why succession requires business strategy 10:29 The family business puzzle 13:34 Why Jess works in farm succession 15:18 Choose the feast, not the fight 15:54 What happens when succession goes unresolved 17:38 The loneliness of being stuck in the family farm 22:11 Where succession resistance usually comes from 23:36 When Dad says he’ll die with his boots on 28:29 How long should the next generation wait? 33:41 Entitlement, humility, and changing perspective 36:26 Seeing the family business from another person’s shoes 39:38 Succession is training, not just handover 40:28 Why a clear plan helps during drought and crisis 44:32 Ask questions instead of forcing opinions 47:43 How young families can start succession early 52:18 When all the wealth is tied up in the farm 57:06 Why siblings are not really “paying out” siblings 59:07 Why 50% equity can be an uncreative solution 1:04:38 Early planning versus years of resentment 1:05:56 Are daughter-in-laws really the problem? 1:07:34 Why in-laws can be an asset to succession 1:12:45 Why Proactive includes in-laws in the process 1:17:40 Final reflections with Jess 1:18:29 Proactive Succession event in Tamworth 1:20:32 Closing thoughts #FarmSuccession #FamilyFarm #SuccessionPlanning #AustralianAgriculture #FarmBusiness
58 min
Mick is an accomplished poet, author and song writer. He writes for and has been published many times in National magazines including R M Williams “Outback” magazine. He frequently presents his poetry on ABC radio. His poem “Mates at the gate” has been picked up by Country singer, Ashley Cook and is looking like a good chance for a Golden Guitar in Tamworth. Mick has been either a compere or feature poet at Monagaribli Care flight charity show, Boondooma Spirit of the bush, The Queensland outback Golf spectacular in Winton, NQ’s Rockin Queensland in Mackay, a series of Brisbane shows with “The Vixens of Fall”, the RNA (Brisbane Ekka) as a judge and as a feature performer. Mick runs workshops for adults and students. He judges poetry competitions all around the Country. Mick is a harmonica player in a small musical group called “Three legged onion” He is a busy, busy chap and says “If you’re not living life on the edge you are probably taking up too much room” Mick started and runs a rural family support charity called Mates at the Gate Mick says “I have written and memorised many poems based on my time in the bush, on our farm as well as in fire service. He loves the dry humour and gutsy determination of people who work the land. Poems like “mates at the gate” and “All but Barton” come from real life experience. His shows are often described as comedy shows but they are much more than that. Chapters 00:00 Intro 00:42 Meet Mick Martin 01:03 What Is Mates at the Gate? 02:23 How the Charity Started During the Drought 04:39 The First Farmer Trip to Fraser Island 06:57 The Generosity of Everyday Australians 08:15 Volunteer Tradies Helping Rural Families 10:26 Why Retreats Matter for Farmers 12:14 Ladies Retreats and Mental Health Support 13:01 The Media, Hope, and Aussie Culture 16:45 Why People Still Want to Help 19:28 Community, Assimilation, and Australian Identity 25:16 One Flag, One Nation, One Direction 28:22 The Mission Statement for Mates at the Gate 31:01 How to Nominate or Contact Mates at the Gate 33:25 Why Farming Wives Carry So Much 37:19 Building Support After the Retreats 38:32 A Classic Bush Pub Story 40:01 What Happens on the Men’s Retreats 42:52 Are You Bogged Mate and Rural Mental Health 44:20 How Retreat Spots Are Chosen 47:10 On-Farm Projects and Rebuilding Homes 52:19 Mick’s Classic Toilet Story 54:15 Mates at the Gate Poem 58:08 Closing
30 min
Matt and Brad are brothers who farm in North West NSW with their brother Phil and father Peter. They run a YouTube channel “The Jackson Brothers” where they showcase day to day farming life as well as some earthmoving content with two D11 bulldozers. They recently worked through the hard task of succession planning and offer a different insight into how faith, family and farming all come together. -- This insightful interview explores the values of family, faith, and humility in farming life. The brothers share their journey, challenges, and the importance of a biblical worldview in maintaining unity and purpose. -- Key Topics * Family and faith in farming * Succession planning and family unity * The role of humility and biblical values in leadership
50 min
Matt and Brad are brothers who farm in North West NSW with their brother Phil and father Peter. They run a YouTube channel “The Jackson Brothers” where they showcase day to day farming life as well as some earthmoving content with two D11 bulldozers. They recently worked through the hard task of succession planning and offer a different insight into how faith, family and farming all come together. -- This insightful interview explores the values of family, faith, and humility in farming life. The brothers share their journey, challenges, and the importance of a biblical worldview in maintaining unity and purpose. -- Key Topics * Family and faith in farming * Succession planning and family unity * The role of humility and biblical values in leadership -- Chapters 00:00 The Victim Mentality and Growth Mindset 02:30 The Jackson Family Journey in Farming 06:50 The Challenges of Organic Farming 10:52 Family Dynamics and Expectations 14:53 Faith and Family Values in Farming 19:44 Transitioning Leadership and Trust in Family Business 25:07 Navigating Life's Challenges 30:49 The Importance of Humility and Gratitude 35:29 Family Dynamics in Farming 40:57 Conflict Resolution and Communication 44:11 Mental Health and Emotional Burdens
1 hr 16 min
Rebecca Fing is the Founder and Managing Director of House Paddock Training and Consulting, based in Goondiwindi. A wife, mum, country girl and self-described "susie-homemaker-wanna-be-gardener," Bec has spent nearly two decades helping businesses and individuals better manage their people, projects, safety and operations through practical training, coaching and consulting. Known for her no-frills, down-to-earth approach, Bec specialises in WHS and HR management, focusing on real-world solutions, engagement and sustainable processes over paperwork. Farm safety, WHS, OH&S, contractor risk, fatigue management, farm inductions, and safety paperwork can feel overwhelming for family farms, but this conversation makes it practical. If you run a farm, employ staff, use contractors, have family helping, host visitors, or worry about what happens if something goes wrong, this episode is for you. In this Hard Ground conversation, Beck from House Paddock Consulting explains why farm safety is not just a compliance issue. It is a people issue, a family issue, and a business survival issue. She breaks down the difference between safety culture and paperwork, why “doing the right thing” matters more than ticking a box, and why simple steps like inductions, emergency plans, training evidence, and honest conversations can put your farm in a much stronger position. This episode is for farmers who feel frustrated by safety rules, scared of liability, or unsure where to start. You will hear practical examples around fatigue at harvest, contractors on farm, recreational use of farm vehicles, shooters, visitors, SOPs, high-risk machinery, and the grey areas that make WHS feel confusing. You’ll learn how to start with a simple farm induction, why emergency preparedness matters, what to ask your team when you want honest safety feedback, and why your documents must reflect what actually happens on your farm. You’ll also hear how contractor responsibility works, why shared responsibility matters, and why high-risk jobs deserve the most attention. Chapters 00:00 Intro 00:29 Welcome to Hard Ground 02:03 Meet Beck from House Paddock Consulting 05:04 Why farm safety matters 07:35 The human cost of farm incidents 10:11 Why farmers resist WHS and safety paperwork 14:14 Profit, pressure, and the cost of a life 18:51 Safety culture vs paperwork 21:38 Fatigue management during harvest 23:45 Why paperwork protects the business 26:47 Where farm safety resistance comes from 31:17 Farming freedom vs safety regulation 33:30 Why starting matters more than perfection 44:05 Risk, kids, quad bikes, and farm life 50:23 Employees living on farm and recreational risk 54:04 Shooters, visitors, and grey areas 55:44 Contractors and shared responsibility 56:49 Simple contractor inductions and annual emails 1:04:49 Where to start with WHS 1:06:35 The one question to ask your team 1:12:58 When someone says they feel unsafe 1:15:03 SOPs, insurance, and high-risk machinery 1:15:38 Contractor safety standards 1:16:19 Beck’s farm safety programs #FarmSafety #WHS #FamilyFarms #AgricultureAustralia #FarmBusiness
1 hr 2 min
The proposed Australian budget tax changes have left many farmers, landholders, and rural families asking the same question: what does this mean for our farm, our trust, our capital gains tax, and our succession plan? In this discussion, accountant George Morrice from Prime Partners Accounting breaks down the biggest proposed changes affecting Australian farmers, including CGT changes, family trusts, negative gearing, farm succession, company structures, SMSFs, fuel tax credits, biosecurity cuts, and off-farm investments. If you own farmland, operate through a trust, lease agricultural land, hold investment property, or are planning to transfer the farm to the next generation, this conversation will help you understand the risks, questions, and planning points you need to consider.This is especially important for rural families trying to protect intergenerational wealth, manage tax exposure, understand proposed trust rules, and avoid rushed financial decisions before legislation is finalised. The key message: these changes are not yet law, but they could have major consequences if passed.You’ll learn how proposed capital gains tax changes could affect farms, investment properties, and pre-CGT assets. George explains why trusts may face new tax pressure, how negative gearing may change for residential property, and why some farmers may need to reconsider company structures, SMSFs, succession planning, and off-farm income strategies. The discussion also covers fuel excise changes, farm management deposits, leasing income, biodiversity payments, and why farmers should avoid knee-jerk restructuring until the rules are clearer.Chapters00:00 Intro and welcome02:40 Meet George Morris from Prime Partners Accounting03:20 Why the budget has farmers worried04:20 Proposed changes are not law yet04:54 Leasing farmland, trusts, and CGT concerns06:00 Small business CGT concessions explained08:30 How capital gains tax could change after budget night09:40 Why the budget may create tax loopholes10:00 Pre-CGT farm assets entering the tax system11:10 Selling investment property to improve the farm13:17 Negative gearing and off-farm assets15:08 Fuel, fertiliser, and budget wins for farmers16:15 Loss carry-back rules for company structures17:30 Fuel excise and fuel tax credit changes20:30 Biosecurity cuts and rural impact23:22 What the budget means for sole traders and partnerships24:00 Trust distributions and the proposed 30% tax issue25:31 Transferring property between generations26:30 Testamentary trusts explained28:23 Companies, succession, and farm ownership structures30:46 SMSFs and farming land structures33:07 Possible inheritance tax concerns35:24 Election timing and whether changes can be reversed37:51 Commercial property vs residential property38:03 New builds and negative gearing40:23 Primary production income and trust rules42:45 Moving land into a trust for succession44:00 CGT rules before 199946:23 Passing farms to grandchildren48:59 Gifting, super funds, and asset transfers51:25 Passive income, leasing, and trust tax questions54:00 Should farmers move from trusts to companies?56:00 Lobbying and rural advocacy57:11 Existing negatively geared properties59:00 Biodiversity payments and tax treatment01:01:28 Intergenerational transfers and CGT concessions01:03:26 Closing comments and follow-up#AustralianFarmers#CapitalGainsTax#FarmSuccession#FamilyTrusts#RuralBusiness
44 min
When farming gets tough - financially, personally or strategically - the Rural Financial Counselling Service Northern Region is there to help producers work through what comes next. From drought and debt to succession planning and big business decisions, we walk alongside farmers and fishers with practical, free and impartial support. Trusted and experienced in holding the conversations to help navigate change with more clarity and confidence.Most farm families face their toughest challenges in silence—until now. Emma Wallace, a seasoned financial counsellor and community advocate, uncovers the essential messaging farming populations need to hear: timely, honest conversations about money and succession are the key to long-term sustainability.In this eye-opening episode, Emma shares how communication breakdowns in farming families lead to crises—whether it’s intergenerational conflicts, financial distress, or isolation—and why starting the conversation early can transform tension into teamwork. She reveals the red flags of financial abuse and family discord, including the danger of overlooked mental health triggers and the impact of taboo topics like debt and asset transfer. Emma emphasizes that, amidst the unpredictability of industry and nature, proactive dialogue and transparency are your best tools for resilience. You’ll discover: how to recognize the subtle signs of crisis before they escalate, why early planning can prevent costly conflicts, and practical tips for fostering honest family conversations—even in the most difficult moments. Emma also breaks down the invaluable free services available to farmers—like the Rural Financial Counselling Service—and explains how institutions are working to destigmatize tough topics such as succession, mental health, elder abuse, and financial literacy.Why does all this matter? Because farm success isn’t just about land or machinery—it’s about people. Ignoring the warning signs and delaying conversations can threaten family stability, mental health, and the future of your farm. Conversely, embracing open communication and seeking support early sets the stage for growth, legacy, and sustainability. It’s a hard truth but an empowering one: the best time to start is now.Perfect for farmers, family members, and industry advocates eager to break down barriers and build stronger, more resilient farm families. If you're ready to turn conversations that feel uncomfortable into opportunities for connection and success, this episode is your blueprint for lasting change.Emma Wallace is the communications officer at the Rural Financial Counselling Service, Northern Region, and a former small business financial counsellor. With deep roots in Australian agriculture and firsthand experience navigating floods and land management, she’s dedicated to supporting rural communities with compassionate, independent guidance.Start now—because the future of farming depends on it.
1 hr 6 min
Farm succession planning is one of the hardest conversations a farming family can have — but avoiding it can cost far more than money. In this episode, accountant George Morris unpacks why family farms fall apart when succession, inheritance, ownership, debt, and family expectations are left unclear.--George grew up on a cattle farm near Coolah, NSW, and was appointed CFO of an Australian premium meat company at just 21. He went on to work in procurement and logistics for a global shipping company, based in Dubai with responsibilities extending into Africa, before transitioning into public practice with what was then the seventh-largest accounting firm in the world. Fourteen years ago, George moved to Sydney to build his own accounting firm, Prime Partners, from the ground up. Today, Prime Partners is recognized as one of the highest-quality advisory businesses in NSW and has since opened a second office in Orange, allowing George to divide his time between Sydney and his farm nearby.George is focused on helping business owners maximize their returns, plan for retirement, and ensure wealth transitions smoothly and thoughtfully across generations--If you are part of a family farm, married into a farming family, working in an agricultural business, or wondering how to protect the farm without losing the family, this conversation is for you. George explains why succession planning is not a one-time meeting, why fear often drives the older generation’s decisions, and why the next generation must approach the conversation with humility instead of entitlement. We talk about farm inheritance, family conflict, asset protection, fair versus equal succession, the role of accountants and succession planners, and how professional support can keep hard conversations from becoming lifelong damage.This episode matters because the cost of poor succession planning can be devastating: broken relationships, legal battles, lost farmland, damaged mental health, and the collapse of a family legacy that took generations to build.You’ll learn why farm succession should begin before the crisis point, how regular family meetings can reduce fear and confusion, what “fair versus equal” really means when one child stays on the farm, and why bringing in a professional can help every voice be heard before conflict takes over.You’ll also hear how business control, land ownership, debt, off-farm assets, wills, trusts, and family expectations all need to be handled separately instead of being treated as one big emotional issue.Chapters00:00 Intro01:26 Meet George Morris04:30 Why family business is so hard06:16 The three pillars: business, ownership, and family08:37 Why succession problems last for generations10:58 Fear, control, and the older generation13:07 What an accountant does in succession planning15:25 Transferring business control before land ownership17:46 Why succession planning is not one meeting20:10 The mental health cost of family farm conflict22:32 Fair vs equal in farm inheritance24:00 The real cost of going to court27:22 How daughters-in-law can raise succession concerns32:12 Why professionals change the room35:10 What successful farming families do differently37:04 Debt, off-farm assets, and inheritance options39:13 Ruling from the grave41:13 Why forcing family members into business together fails43:36 Advice for the younger generation46:00 Documenting wages, work, and expectations47:00 How accountants help farming families50:49 What accountants can and cannot solve53:13 The biggest F word: festering55:39 How to start the succession conversation
1 hr 14 min
1. Ben’s podcast link https://thefinancialbloke.com.au/podcast/ 2. Link for roadmap workshop https://agricoach.com.au/takeaction-2/ — Ben works with ambitious multigenerational farming families across Australia to make sure they don’t lose the farm or each other, when succession comes around. Most families spend a lifetime building something incredible, only to watch it slowly unravel in the years before transition. Not because they didn’t work hard enough, but because nobody prepared the family for how to do it together. Ben works with both generations, the ones handing over and the ones stepping up, getting them aligned, running like a business, and making sure the next generation has actually earned the keys. By the time the lawyers and financial advisers arrive for the handover, the hard work is already done. — Farm succession can either protect a family’s future or tear the whole family apart. In this episode, Ben Law, also known as The Financial Bloke, explains why succession planning on family farms often goes wrong, why waiting until retirement is too late, and how rural families can start building clarity, trust, leadership, and alignment years before assets ever change hands.If you are part of a family farming business, working on the land, married into a farming family, or wondering how to pass down the family farm without destroying relationships, this conversation is for you. Ben shares practical insight on farm succession planning, fair versus equal inheritance, preparing the next generation, involving daughters and daughters-in-law, managing family meetings, and avoiding the resentment that can build when no one knows what the future looks like. This is a must-listen for Australian farming families, rural business owners, parents, sons, daughters, and anyone trying to protect both the farm and the family behind it.You’ll learn why succession should start long before transition, how clarity and alignment can reduce family conflict, why the next generation must build skill and capacity instead of waiting for control, and how families can begin hard conversations before resentment turns into disaster.Chapters00:00 Intro00:52 Meet Ben Law, The Financial Bloke03:10 Why Ben Started Helping Farming Families07:45 Why Money Does Not Fix Family Problems10:06 Clarity and Alignment in Farm Succession11:50 Why Succession Starts at Birth14:54 Daughters, Women, and Taking Over the Farm21:55 Get It, Want It, Capacity Explained26:41 Father-Daughter vs Father-Son Farm Dynamics29:05 Why Family Relationships Matter as Much as Wealth31:29 The Role of Daughters-in-Law in Succession36:16 Choosing the Right Spouse in Farming Families41:04 How Off-Farm Siblings Can Be Included45:49 Why Starting Early Makes Succession Easier50:34 When the Older Generation Won’t Let Go55:05 When Succession Conflict Turns Dangerous57:26 Victim Mentality vs Taking Responsibility01:02:08 How Many Times Should You Try Succession?01:06:32 Choosing Your Hard and Building a New Future01:11:09 Ben’s Advice for Younger and Older Generations01:13:36 The 4 Phases of Farm Succession
1 min
We welcome you to Hard Ground, a podcast dedicated to people who live and work on the land. We discuss how farming extends beyond just stock and crops to encompass people, families, and the partnerships that are built on the land. We invite you to listen, laugh, and share in the emotional journey as we explore ways to build stronger families, better businesses, and find common ground together.