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Callum Rhodes funded over $1 billion in home loans as one of Australia's first fully online mortgage brokers - then he packed up, left Melbourne, and now helps other Australians escape the same system.

So I sat down with him in a studio in Bali, and he pulled no punches on why the old playbook is finished.

Here's what we uncovered:

→ The playbook your parents followed is dead. Buy in the suburbs, live off one and a half incomes, pay it off before retirement - Callum says none of it exists anymore. It's been dead since Covid.

→ The ATO and the RBA are a two-headed monster. Every time rates rise, the tax office quietly collects more - billions extra off the backs of business owners.

→ The CGT trap nobody's talking about. The new scheme indexes gains to CPI, and because real inflation runs closer to 15%, your capital gains discount gets quietly wiped out.

→ What "third world" actually means. Two hours in traffic, tall-poppy negativity, being told what to do. He flips the phrase on its head - and makes the case that people with "nothing" in Bali feel like they have everything.

→ The mortgage prison is really a life prison. Can't sell, can't move, stuck for 30 years - while Australians refinance their homes just to survive.

→ The West is crumbling - and the mobile will win. Crippling debt, a bloated public sector, a middle class sliding into the lower class. The ones who can pick up and move will thrive.

The real message underneath it all: you are both the problem and the solution. Take ultimate accountability, build the digital skills, and stop waiting for a government to save you - because no party is fixing this in a three-year term.

Sit back and enjoy.

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