Cash Jobs, Tax Returns & Wealth Building | Accountant Yassar Hayat Explains Everything

In this episode, PJ sits down with Yassar Hayat, Chartered Accountant and Financial Adviser from JCA-BNH Accountants & Financial Advisers, for an important conversation about money, tax, business, and financial freedom in Australia. Originally from Faisalabad, Pakistan, Yassar shares his journey from a humble background to becoming a Chartered Accountant, working internationally across Pakistan, Dubai, and Australia. This episode is a must-watch for anyone trying to understand money better — whether you are a new migrant, student, employee, small business owner, or someone building your future in Australia. We discuss: 💰 What does an accountant actually do? 📊 Why accounting is the backbone of every business 🧾 Things to know before lodging your tax return 💼 TFN vs ABN — what’s the difference? ⚠️ The truth about cash jobs 🎓 Financial mistakes students should avoid 🏢 Small business mistakes & cash flow problems 💳 GST, tax planning & record keeping 🏠 Property investment vs starting a business 🚀 How financial freedom is really created 📈 Habits of financially successful people Yassar explains why an accountant is not only someone who completes your tax return — a great accountant becomes your financial business partner, helping you make smarter decisions before problems happen. A huge thank you to Yassar Hayat and the JCA-BNH Accountants & Financial Advisers team for welcoming SNS Diaries into their office and sharing valuable knowledge with our community. 🙏 Guest: Yassar Hayat Host: PJ Podcast: SNS Diaries Like 👍 Subscribe 🔔 and share this episode with someone who wants to understand money, tax, and business better. — Timestamps: 00:00 – Podcast Trailer / Coming Up 02:00 – Meet Yassar Hayat: Chartered Accountant’s Journey 05:20 – What Does an Accountant Actually Do? 10:00 – Biggest Money Mistakes Migrants Make in Australia 15:20 – Australian Tax System Explained (TFN, Tax & Residency) 17:20 – The Truth About Cash Jobs & Why They Can Cost You More 18:50 – Financial Advice Every International Student Should Know 24:20 – Before You Lodge Your Tax Return: What Can You Claim? 30:30 – TFN vs ABN Explained: Employee vs Business Owner 32:50 – Small Business Mistakes, GST & Cash Flow Management 38:45 – Why a Good Accountant Is Your Financial Partner 39:40 – Financial Freedom: Earn More or Save More? 45:00 – Business vs Property Investment & Final Advice from Yassar Hayat #SNSDiaries #YassarHayat #AustralianTax #TaxReturn #SmallBusinessAustralia #FinancialFreedom #ABN #TFN #GST #PunjabiPodcast #SouthAsianPodcast — Connect with Yassar Hayat : 📧 : [email protected] 📞 : 07 5473 5444 📍 : 1/31 Thomas Street, Noosaville, QLD Level 1/67 Springwood Rd, Springwood QLD 2/68 Kingsford Smith Parade, Maroochydore QLD — You can also connect with us: Website: https://thestandardbysha.com/ Email: [email protected] [email protected] [email protected] YouTube:    / @ttssdiaries   Insta:   / ipjsel   Insta:   / qlivfe   Insta:   / ttssdiaries   Insta:   / ssheissha   Tiktok:   / ipjsel   Tiktok:   / ttssdiaries   TikTok:   / ssheissha   Facebook:   / ipjsel   — This podcast is provided for general educational and informational purposes only and is based on the personal experiences, opinions and real-life perspectives of the hosts and guests. Nothing discussed in this episode constitutes financial, legal, tax, business or other professional advice. The content does not take into account your personal objectives, financial situation or needs, and should not be relied on as a substitute for advice tailored to your circumstances. We make no representations, warranties or guarantees regarding the accuracy, completeness or results of any information shared, and individual outcomes will vary. Before making any financial, business or legal decision, you should seek advice from an appropriately qualified and, where relevant, licensed professional in Australia.