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Rates are already near 7% for many borrowers, and with core inflation stuck at 3.6%, the RBA may have no choice but to push higher. In this episode, Lloyd breaks down the numbers behind rising mortgage rates, why inflation refuses to fall, and how Australia’s trillion‑dollar debt is making the problem worse.

◼️ Why inflation is stuck

◼️ How rates could reach 7%

◼️ Australia’s trillion‑dollar debt problem

◼️ How to prepare your finances now

Timestamps:

00:00:00 - Introduction

00:01:40 - Net yield and costs

00:02:37 - Franking credits overview

00:03:54 - US shares outperform

00:04:36 - Shares vs property over 30 years

00:05:19 - Where property wins: leverage

00:06:26 - Why leverage only works in rising markets

00:07:27 - Where shares win: lower costs

00:08:10 - Diversification advantage

00:09:51 - Tax changes and negative gearing

00:10:45 - Shares inside superannuation

00:11:19 - Future uncertainty in super rules

00:12:17 - Why shares align with his lifestyle

00:13:23 - Scaling money without scaling problems

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DISCLAIMER

This content is for educational and informational purposes only. This is not financial, investment, or legal advice. Investing carries inherent risks including potential loss of capital. Past performance does not guarantee future results. Always conduct thorough research and consult with qualified financial advisors before making investment decisions. Individual results vary based on market conditions, personal circumstances, and investment strategy.