The Finance Bible

The cash rate has hit 4.85% after the Melbourne Cup Day hike, the fifth rise of 2026 and the highest level since 2008. In this solo episode, Zeke breaks down what the hikes are costing mortgage holders and six practical moves to consider before Christmas. In this episode: The Melbourne Cup Day decision: a 25 basis point rise to 4.85%, and a split 6–3 board vote What the 2026 hikes cost: about $456...

Should you wait for prices to hit the bottom before you buy? In part 2 of their buyer's market series, Zeke and Oscar play devil's advocate on waiting for the trough, then walk through a seven-step playbook for negotiating in a slower market. In part 2, they cover: Why nobody rings a bell at the bottom, and what happened after values fell about 7.5% in 2022–23 Why time in the market with the right...

Homes are now taking 41 days to sell, up from 26 a year ago, and sellers are discounting more than at any time in five years. Zeke and Oscar are back together in the new studio for their first joint episode in months, asking the big question: is this the start of a buyer’s market, or is it time to wait? In part 1, they break down what’s actually happening: National values down six months in a row,...

From $200 in his pocket to $500 million in online sales. Greg Cassar has spent 22 years building and scaling businesses, helped more than 350 companies grow, and coached over 150 Australian business owners through his mastermind, The Collective. Today he runs travel brands in the US, an e-commerce import business, and a portfolio spanning property, Bitcoin, AI tech and robotics ETFs. Oscar and Gre...

The cash rate is sitting at 4.6%, the highest since 2011, and the RBA has already delivered four rate hikes this year. Now, with another decision landing on Melbourne Cup Day, the question everyone's asking is: are we about to get hit with a fifth? This episode cuts through the noise and breaks down what the data is actually saying, what the banks are predicting, and what it all means if you're ho...

Two investors, $1 million each. One buys a house, the other buys a small warehouse in an industrial estate. A year later the house has put about $24,000 in their pocket and the warehouse about $65,000. Same money in, nearly triple the income out. So what's going on? In this episode Oscar breaks down commercial vs residential property investing, starting with the yield trap most investors miss: com...

You can pool three incomes and get into the market faster, or you can pool three incomes and destroy a family. Buying property with parents, siblings, or multiple family members is one of the fastest-growing strategies in Australian real estate right now, and it makes sense when you look at the numbers. Prices have run away from what a single income can borrow, so families are doing the math and r...

Rates are at 4.6%, the highest since 2011, and there's another big decision coming on Melbourne Cup Day. If you told most people at the start of this year that we'd see four rate hikes instead of cuts, they'd have called you crazy. Yet here we are, with the cash rate climbing from 3.6% to 4.6% in under twelve months, and borrowing power shrinking across the board. This episode walks through how we...

You can scroll property listings for hours, read every article, and still ask the wrong questions. We pulled the best and worst questions from thousands of TikTok and Instagram comments over the last 12 months and ranked them from brilliant to baffling. If you're thinking about buying property, chances are your question is somewhere in this list, and the answer might change how you approach your n...

Your biggest raise this year might come from a 15-minute phone call. We’re talking about the “loyalty tax” banks quietly charge existing mortgage customers, and how a small rate drop can put real money back into your budget year after year. We walk through the exact approach: who to ask for (hint: retention), what to say in one sentence, and the two key decisions to make once the rate moves. From...

Put $100,000 into shares and an 8% rise gives you $8,000. Put that same $100,000 down on a $600,000 property and an 8% rise creates a $48,000 gain. That simple comparison explains why leverage is the most powerful wealth-building tool many everyday Australians ever touch, and also why it can get dangerous fast. We walk through the real mechanics of property leverage step by step: how a bank loan l...

You can save a deposit, scroll listings every weekend, and still be wildly unprepared to buy property. We get into the part nobody posts on Instagram: the planning that happens before you look at a single listing, and how that prep decides whether your first home purchase or investment property becomes a stepping stone or a decade-long regret. We start with the real first question: what are you ac...

Perth’s biggest property buying opportunity showed up when the headlines were the most negative and that’s not an accident. Oscar walks through the real numbers behind Perth’s slide after the mining boom, the long stretch of falling prices, and the quiet shift that set up one of Australia’s strongest housing market rebounds. The punchline is simple: the city didn’t suddenly change, the news cycle...

Negative gearing is “gone” is the loudest headline, and it is also the fastest way to make a bad decision. We sit down and sort the facts from the noise around the 2026 property tax changes and what flows into 2027, including who is actually affected, which investors are grandfathered, and why the definition of a “new build” matters more than most people realize. We walk through the new negative g...

*Please note, this episode was recorded before the 2026 Federal Budget. Negative gearing gets sold as a cheat code, but what if it’s just a fancy way to normalise losing money? Zeke and Oscar get real about the negative gearing vs positive gearing debate and why most people arguing online don’t understand what they’re actually signing up for. We talk cash flow, tax deductions, and the difference b...

They called it the most ambitious budget in decades and framed it as a win for young Australians, but when we read the fine print, the housing story gets uncomfortable fast. Oscar goes solo to unpack the 2026 Australian federal budget and what it means for anyone under 35 trying to buy a first home, get financially stable, or even just keep up with rent.  We walk through the two big levers: negati...

Most people budget for a deposit and a loan, then act shocked when property investing gets expensive. We’ve just been traveling between markets and seeing the same pattern with buyers again and again: the purchase price is only the beginning, and the “small” line items are what break cash flow. So we lay out the true cost of buying an investment property in Australia in plain English, with real ra...

Australia’s property market is no longer moving as one. In this episode, we break down the growing divide between major cities—why some markets are surging while others are stalling, and what’s really driving the shift beneath the headlines. From Perth’s rapid growth to Melbourne’s reset and Sydney’s affordability ceiling, this is a city-by-city analysis of where the opportunities are forming… and...

Property prices don’t just “go up” on their own, they respond to incentives, and right now Australia is drenched in them. We’re fired up about how first home buyer grants and 5% deposit schemes can look helpful on paper while quietly bidding up the same entry-level homes first home buyers are trying to afford. When you add 95% lending into a rising interest rate environment, the risk isn’t abstrac...

Fuel prices don’t just change what you pay at the pump. They quietly rewrite the price of almost everything you touch: groceries, building materials, deliveries, flights, and even that “quick” Uber ride that suddenly comes with a surcharge. We zoom out from the headlines and talk through why petrol and diesel increases can hit Australia hard, especially when global conflict and uncertainty keep en...

Why is petrol suddenly so expensive? In this episode of The Finance Bible, Oscar breaks down the rising fuel prices and explains how conflicts halfway across the world can hit your wallet at the pump. From Middle East tensions and shipping chokepoints to global oil markets and inflation, we uncover the hidden forces behind petrol price spikes. Whether you’re a commuter, a business owner, or just c...

Inflation isn’t just making groceries more expensive — it’s quietly reshaping the middle class. While wages struggle to keep up, assets continue to rise. The gap between those who own and those who wait is widening. In this episode, we break down what’s really happening behind the rising cost of living, why inflation acts as a wealth transfer, and the strategic mindset shift required if you want t...

Australia’s housing crisis didn’t happen in a vacuum. Since borders reopened after COVID, Australia has added nearly one million net migrants in just two years . At the same time, housing construction has failed to keep pace with demand. In this episode, we break down the hard numbers: Post-COVID net overseas migration levels How many dwellings those arrivals actually require The National Housing...

This is the final episode of the Exposing Australia’s Collapse series. Over the past five episodes, we’ve unpacked the rise of fatherless homes, the housing affordability crisis, collapsing birth rates, the education system’s decline, and Australia’s growing physical and mental health crisis. In this finale, we connect the dots. These aren’t isolated issues. They’re systemic.  Education shapes beh...

Christmas Eve has a way of slowing everything down and bringing perspective into focus. In this special episode, we talk about money, clarity, and what it really means to feel “behind” financially, plus how to reset your thinking before the new year begins. Did you like this episode? Support the show 🎧 Enjoyed this episode? Follow us on Instagram @z ekeguenthrothofficial @oscardonproperty and @as...