Mel and Hunter from The Brokerage join the show to unpack the current interest rate environment, why the cash rate and bank bill swap rate matter, and who is feeling the most pain from rising repayments right now. They walk through practical levers to pull with your existing lender, when to threaten to leave, and how refinancing and structuring your loans well can help you get ahead faster without sacrificing your broader financial goals.

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In this episode we peel back the curtain on what advice actually is. We break down how a good adviser becomes your planner, sounding board and accountability partner over decades, helping you tick off bucket‑list goals, navigate crises like redundancy or illness, and avoid the shiny traps you hear about at barbecues and on socials. If you’ve ever thought “I don’t have enough money for advice” or “I’ll sort it out later”, this episode will probably change your mind.

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This episode rips into the “smart” money moves Aussies swear by – credit cards, offsets, high income and tax hacks – and shows how they’re quietly keeping you broke. With real client stories and brutal honesty, we unpack how fear, FOMO and the wrong structures can cost you tens of thousands, and what to do instead before you blow it.

Calendly Link: https://calendly.com/dalbanes-selectadvicegroup/15-min-free-consultation

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