Welcome to Dollars in the Dirt with Brecken Curtis, the no-BS podcast for Australian farmers and graziers who want to grow their operations and build real wealth. Hosted by Brecken Curtis, Award Winning Agricultural Finance Broker, this podcast breaks down farm loans, property finance, and agribusiness lending strategies that actually work. From rural property loans to cattle station finance, you'll get straight answers on agricultural finance without the jargon. Each episode delivers practical insights on farm expansion, loan structuring, and navigating the finance challenges facing beef producers and graziers across regional Australia. If you're a rural grazier looking to secure more favourable loan conditions for your next expansion, this podcast is a game changer.
Dollars In The Dirt
Claim This Podcastby Seasoned Finance
Podcast Overview
Welcome to Dollars in the Dirt with Brecken Curtis, the no-BS podcast for Australian farmers and graziers who want to grow their operations and build real wealth. Hosted by Brecken Curtis, Award Winning Agricultural Finance Broker, this podcast breaks down farm loans, property finance, and agribusiness lending strategies that actually work. From rural property loans to cattle station finance, you'll get straight answers on agricultural finance without the jargon. Each episode delivers practical insights on farm expansion, loan structuring, and navigating the finance challenges facing beef producers and graziers across regional Australia. If you're a rural grazier looking to secure more favourable loan conditions for your next expansion, this podcast is a game changer.
Language
🇺🇲
Publishing Since
2/1/2026
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Recent Episodes
June 23, 2026
#031 - Why Graziers Need More Than The Banks Financial Advice
<p>Grow your agribusiness with expert finance strategies, book a free consultation 👉 <u><a href="https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled" rel="noopener noreferrer" target="_blank">https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled</a></u> </p><p>On a $15M cattle operation, the biggest risk is not the loan, it is taking strategy from someone paid to protect the bank. In this episode, Brecken breaks down the difference between bank advice and business advice, the hidden cost of rotating managers, and how to build a team that is actually accountable to your goals.</p><p>◼️ Why bank advice protects lenders, not producers</p><p>◼️ How rotating managers quietly derail long term strategies</p><p>◼️ What real business advice looks like for multi million dollar operations</p><p></p><p></p><p></p><p></p><p></p><p>Timestamps:</p><p>00:00:00 Introduction</p><p>00:00:21 - The Risk of Relying on Bank Managers for Strategy</p><p>00:00:42 - Difference Between Bank Advice and Business Advice</p><p>00:01:24 - The Limitations of Bank Managers in Strategic Decisions</p><p>00:02:05 - The Importance of a Strategic Business Advisor</p><p>00:02:26 - Aggressive Expansion and Risk Management</p><p>00:03:09 - Using Debt as a Tool for Growth</p><p>00:03:20 - The Issue of Continuity with Bank Managers</p><p>00:04:02 - The Hidden Costs of Rotating Bank Managers</p><p>00:05:06 - The Value of a Consistent Strategic Advisor</p><p>00:05:59 - The Role of a Broker in Agricultural Finance</p><p>00:06:30 - Translating Business Reality to Bank Compliance</p><p>00:07:02 - Negotiating Terms with Banks</p><p>00:07:24 - Building a Team of Aligned Advis</p><p></p><p></p><p></p><p></p><p>Follow Brecken Curtis: </p><p>Instagram: <u><a href="https://www.instagram.com/breckenfinancebroker/?hl=en" rel="noopener noreferrer" target="_blank">https://www.instagram.com/breckenfinancebroker/?hl=en</a></u></p><p>Facebook: <u><a href="https://www.facebook.com/people/Brecken-Curtis/61575665536876/" rel="noopener noreferrer" target="_blank">https://www.facebook.com/people/Brecken-Curtis/61575665536876/</a></u></p><p>TikTok: <u><a href="https://www.tiktok.com/@brecken_curtis" rel="noopener noreferrer" target="_blank">https://www.tiktok.com/@brecken_curtis</a></u></p><p>LinkedIn: <a href="https://www.linkedin.com/in/brecken-curtis-8716323aa/" rel="noopener noreferrer" target="_blank">https://www.linkedin.com/in/brecken-curtis-8716323aa/</a></p><p>Seasoned Finance: <u><a href="https://seasonedfinance.com.au/" rel="noopener noreferrer" target="_blank">https://seasonedfinance.com.au</a></u></p><p></p><p></p>
June 18, 2026
#030 - The Real Cost Behind Farming Decisions
<p>Grow your agribusiness with expert finance strategies, book a free consultation 👉 <u><a href="https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled" rel="noopener noreferrer" target="_blank">https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled</a></u> </p><p>In this reaction episode, Brecken breaks down the real issues behind rising production costs, equipment debt traps, net worth tracking, succession pressure and why operators get squeezed when they’re not across their numbers. These clips might be funny, blunt or uncomfortable, but every one of them shows what’s actually happening inside Australian farm businesses right now.</p><p>◼️ Why rising costs and depreciation are hitting operators harder than they realise</p><p>◼️ How equipment finance decisions quietly reduce borrowing capacity</p><p>◼️ Why net worth tracking and early succession planning matter more than ever</p><p></p><p></p><p></p><p></p><p></p><p>Timestamps:</p><p>00:00:00 Introduction</p><p>00:00:20 - Legacy and Generational Differences in Farming</p><p>00:00:34 - Importance of Net Worth Statements</p><p>00:00:49 - Challenges in Saving Money in Farming</p><p>00:01:02 - Adapting to Rising Production Costs</p><p>00:01:43 - Understanding Expenses and Budgeting</p><p>00:02:09 - Equipment Costs and Depreciation</p><p>00:02:34 - Financing Equipment and Its Impact</p><p>00:03:41 - Generational Succession Planning</p><p>00:04:45 - Importance of Early Succession Planning</p><p>00:05:05 - Season Finance Advertisement</p><p>00:05:25 - Interest Rate Hikes and Their Impact</p><p>00:06:40 - Economic Pressures and Business Resilience</p><p>00:07:30 - Equipment Debt and Land Financing</p><p>00:08:42 - Monitoring Net Worth Annually</p><p>00:09:10 - Asset and Liability Management</p><p></p><p></p><p></p><p></p><p>Follow Brecken Curtis: </p><p>Instagram: <u><a href="https://www.instagram.com/breckenfinancebroker/?hl=en" rel="noopener noreferrer" target="_blank">https://www.instagram.com/breckenfinancebroker/?hl=en</a></u></p><p>Facebook: <u><a href="https://www.facebook.com/people/Brecken-Curtis/61575665536876/" rel="noopener noreferrer" target="_blank">https://www.facebook.com/people/Brecken-Curtis/61575665536876/</a></u></p><p>TikTok: <u><a href="https://www.tiktok.com/@brecken_curtis" rel="noopener noreferrer" target="_blank">https://www.tiktok.com/@brecken_curtis</a></u></p><p>LinkedIn: <a href="https://www.linkedin.com/in/brecken-curtis-8716323aa/" rel="noopener noreferrer" target="_blank">https://www.linkedin.com/in/brecken-curtis-8716323aa/</a></p><p>Seasoned Finance: <u><a href="https://seasonedfinance.com.au/" rel="noopener noreferrer" target="_blank">https://seasonedfinance.com.au</a></u></p><p></p><p></p>
June 11, 2026
#029 - 900 Rural Bank Branches Gone (Regional Banking Crisis)
<p>Grow your agribusiness with expert finance strategies, book a free consultation 👉 <u><a href="https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled" rel="noopener noreferrer" target="_blank">https://outlook.office.com/book/SeasonedFinance@seasonedfinance.com.au/?ismsaljsauthenabled</a></u> </p><p>Regional Australia has lost nearly 900 bank branches in nine years, and the impact on agricultural lending is far bigger than most producers realise. In this episode, Brecken breaks down what the closures mean for complex finance, why the new Regional Banking Investment Alliance matters, and how farmers can protect their banking relationships before the next branch disappears.</p><p>◼️ How branch closures weaken access to decision makers for ag lending</p><p>◼️ Why the pass‑through banking model is failing regional communities</p><p>◼️ How brokers provide stability when banks abandon the bush</p><p></p><p></p><p></p><p></p><p>Timestamps:</p><p>00:00:00 Introduction</p><p>00:00:56 - The Scale of Regional Bank Closures</p><p>00:01:29 - The Loss of Local Knowledge</p><p>00:02:32 - The Pass-Through Banking Model</p><p>00:03:34 - Vulnerabilities of Relying on Major Banks</p><p>00:03:55 - Building Relationships Without Physical Branches</p><p>00:04:58 - The Role of Brokers in Financial Stability</p><p></p><p></p><p></p><p></p><p></p><p>Follow Brecken Curtis: </p><p>Instagram: <u><a href="https://www.instagram.com/breckenfinancebroker/?hl=en" rel="noopener noreferrer" target="_blank">https://www.instagram.com/breckenfinancebroker/?hl=en</a></u></p><p>Facebook: <u><a href="https://www.facebook.com/people/Brecken-Curtis/61575665536876/" rel="noopener noreferrer" target="_blank">https://www.facebook.com/people/Brecken-Curtis/61575665536876/</a></u></p><p>TikTok: <u><a href="https://www.tiktok.com/@brecken_curtis" rel="noopener noreferrer" target="_blank">https://www.tiktok.com/@brecken_curtis</a></u></p><p>LinkedIn: <a href="https://www.linkedin.com/in/brecken-curtis-8716323aa/" rel="noopener noreferrer" target="_blank">https://www.linkedin.com/in/brecken-curtis-8716323aa/</a></p><p>Seasoned Finance: <u><a href="https://seasonedfinance.com.au/" rel="noopener noreferrer" target="_blank">https://seasonedfinance.com.au</a></u></p><p></p><p></p>
31 total episodes available
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