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The biggest downturn in 40 years has quietly begun - and 93% of Australian suburbs are already falling.

So I sat down with Tim Lawless, one of the most respected property analysts in the country, who's been reading the market day in, day out for over 20 years.

Here's what we uncovered:

→ 93% of capital city suburbs fell over winter - and we're only 5 months in. The market's already down ~5% in the capitals from its March peak.

→ It's not policy that pumped prices for decades. It's debt. Australians now hold most of their wealth - and most of their debt - in housing. That makes every rate move brutal.

→ First home buyers are already in negative equity. The 5% deposit guarantee pushed prices up at the cheap end of the market, then the market turned.

→ The policies "helping" you buy are making it worse. Deposit guarantees, first home buyer grants, stamp duty concessions - Tim calls them counterproductive.

→ Why your home may not double in 10 years anymore. The old rule of thumb is dead. With negative gearing changes, less investor money, and lower turnover, he breaks down why housing will likely still beat inflation - but the easy capital gains era is over.

→ The May 12th budget changed the game. Negative gearing and CGT reform pushed through. Investor applications already down ~30%.

Whether you own, rent, or are trying to break in - this is the clearest, most honest hour on Australian property you'll hear all year.

Sit back and enjoy.

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You're told to find the perfect plan, get qualified, wait until you're ready. Jodie Finnan has sat beside some of the most successful people alive - and says that advice is exactly backwards.

From Jamie Oliver's PA, to James Packer's chief of staff, to founder of her own consultancy - here's what 15 years at the top taught her:

→ "I don't have time" is a lie. It's fear. Winners act on the idea; everyone else explains why they can't.

→ Make your circle smaller, not bigger. Be the dumbest person in the room on purpose.

→ Mistakes aren't the risk - they're the tuition. The most successful people are simply the ones who've failed the most.

→ Australia is taxing and strangling its own founders. She's launching straight into the US and sourcing through Singapore, and she's not the only one.

→ The best brands are born from something true. Hers came from losing her dog, Harley - and became a mission to stop other owners feeling the same helplessness.

Honest, high-energy, and a little heartbreaking. Sit back and enjoy.

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They call her a bigot. Uneducated. Deplorable. Jaimie's heard all of it - and she keeps showing up anyway.

She was a die-hard Liberal volunteer. Then she quit the party and started saying what she really thinks.

Here's her charge sheet against the way Australia's being run:

→ The safety net is now a trap. Instead: intergenerational welfare, intergenerational housing, and dependency dressed up as compassion.

→ One budget can end a family's plans overnight. Government has its hand in your life whether you voted for it or not.

→ Leaders who own nothing. "I didn't lie, I changed my position." "That wasn't our modelling." She's had enough of the endless deflection and gaslighting - and says accountability is the one thing our politicians have completely lost.

→ A generation taught to take, not give. Kids at protests who couldn't explain why they were there beyond what they'd absorbed online. Her fix starts at home: teach your kids to actually think.

Her message: if you want freedom, you have to take responsibility - at home, in your wallet, and at the ballot box.

Watch before the next election.

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Follow Us On:

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