Phil, Bloxy, and Jono discuss year-end planning for business owners and individuals in Australia.

They emphasize the importance of reviewing past goals, setting new goals, and creating a financial budget or forecast for the next 12 months.

They also highlight the need for accountability and tracking progress towards these goals.

Additionally, they discuss topics such as:
- documenting asset purchases and sales
- optimizing personal finances
- utilizing carry-forward super contributions
- managing direct loan balances
- reviewing capital expenditure before the end of the financial year, and considering tax implications for cryptocurrency investments.

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