Boomers Got Rich by Lucky Timing. What Happens to the Next Generation? | Ashley Owen
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
Did baby boomers become wealthy because they were better investors, or were they simply born at the right time? It is a confronting question, because millions of Australians who bought property, invested in shares and contributed to superannuation over the past 40 years enjoyed one of the strongest financial tailwinds in modern history. From the early 1980s, inflation and interest rates generally trended lower. As the cost of money fell, asset values rose, borrowing became progressively easier, and property, shares and bonds delivered unusually strong long-term returns. ...
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The 4 Decisions That Matter More Than Every Property You'll Ever Buy | Stuart Wemyss
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
What if I told you that almost none of the financial decisions you agonise over actually matter? Most investors worry about interest rates, the next hot suburb, tax changes, market timing, stock picking, and whether they should buy now or wait. But what if 95% of your financial future is shaped by just a handful of decisions - many of them made quietly, early, and often without enough thought? That’s the fascinating idea we’re unpacking today with Stuart Wemyss, founder of ProSolution Private Clients, who says there are really only a handful of decisions in your...
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Australian Property Prices Slide Again: How Far Will They Fall? | Dr. Andrew Wilson
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
Capital city home prices have continued to fall sharply over August with no sign yet of the usual pre-spring revival in activity. The national capital city median house price fell by 1.8% over the August quarter to $1,226,833 compared to the July quarter, according to the latest data from My Housing Market. In today’s show Dr. Andrew Wilson explains what’s really happening in Australia’s property markets as we head into Spring. We unpack why house prices have kept easing, why units are holding up better, and what the latest figures mean for buyers and...
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7 Poverty Mindset Traps Holding Property Investors Back | Tom Corley
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
Could you be earning a good income, owning property and still operating with a poverty mindset? Could beliefs you absorbed as a child be quietly limiting how much wealth you build today? And why do some people break free from financial hardship while others repeat the same patterns from one generation to the next? My guest today, Tom Corley, spent years studying the habits and thinking of wealthy and financially struggling people, and what he discovered may make you reconsider some of your own beliefs about money. Stay with us because, before we finish, Tom...
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The Biggest Wealth Mistakes Even Smart People Make - with Greg Hankinson
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
What if I told you that some of the worst financial decisions I've ever seen were made by some of the smartest people I know? Doctors. Lawyers. Business owners. Executives. People who are genuinely brilliant in their field, yet they're making wealth mistakes that are quietly costing them hundreds of thousands of dollars, sometimes more. And here's what's really interesting: their intelligence isn't protecting them. In some cases, it's actually making things worse. Because smart people are used to being right. They research more, they debate more, they over-think...
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The Retirement Time Bomb Property Investors Can’t Ignore | Simon Kuestenmacher
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
What if the greatest financial risk facing you isn’t the next property downturn, another interest rate rise or even a recession, but the possibility that you live much longer than your money does? Many Australians approaching retirement are planning around a model that belongs to another generation. They assume they’ll stop working somewhere around 65 and need enough money for perhaps 15 or 20 years. But if you live into your 90s or even reach 100, your retirement could last 30 or 35 years. That means decades of rising living costs, healthcare expenses and inflation...
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Property, Wealth and Happiness: Why Australians Feel Worse Despite Having More
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
What if rising property values are making Australians wealthier on paper, while leaving many of us feeling less secure, more stressed and less satisfied with life? Australia is a prosperous country, and millions of homeowners have built substantial wealth through property. Yet measures of happiness have remained flat or declined, while younger Australians increasingly feel locked out of the property market and excluded from the prosperity they see around them. In today’s show, I’m going to explore the growing divide between property wealth and personal wellbeing, and why...
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Commercial Property After the Budget: Smart Strategy or Expensive Trap? | Brett Warren
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
Commercial property is suddenly attracting a great deal more attention from investors. Following the recent Federal Budget changes, some residential property investors are looking at warehouses, offices and shops and wondering whether commercial property offers a safer tax environment, stronger cash flow and a better way forward. On the surface, the numbers can look very attractive, but by the end of this show, you're going to understand the real differences between commercial and residential property, the risks that most residential investors never see coming until it's too...
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The Biggest Mistake Property Investors Make with Joseph Ballota
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
Is now the right time to invest in property… or should you wait? Everyone wants to buy at the bottom and sell at the top. But what if trying to time the market is actually sabotaging your wealth? Today I’m joined by Joseph Ballota to discuss whether timing the property market is a good idea. And by the end of this episode, you’ll understand why long-term investors don’t try to pick the cycle… they build wealth across multiple cycles. Joseph and I discuss why trying to time property markets usually backfires, especially when headlines are loud and...
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Shadow Treasurer Tim Wilson on Housing, Property Markets, Tax, Debt and Australia’s Economic Future
Property Investment & Wealth Creation Australia | The Michael Yardney Podcast
Negative gearing on established homes has just been abolished. The capital gains tax discount you've relied on for twenty years has been rewritten. And somewhere between the government's press conference and the Treasury modelling, a trillion dollars in debt got added to the tab for a generation that hasn't even been asked if they're willing to pay it. So here's the question I want to answer for you today. If you're a property investor, a business owner, or someone who just wants a comfortable retirement, what do the next three years actually look like for you? By...
info_outlineDid baby boomers become wealthy because they were better investors, or were they simply born at the right time?
It is a confronting question, because millions of Australians who bought property, invested in shares and contributed to superannuation over the past 40 years enjoyed one of the strongest financial tailwinds in modern history.
From the early 1980s, inflation and interest rates generally trended lower. As the cost of money fell, asset values rose, borrowing became progressively easier, and property, shares and bonds delivered unusually strong long-term returns.
Of course, plenty of boomers worked hard, saved carefully and made sensible decisions. Yet effort alone does not explain the extraordinary increase in household wealth. Timing played a much larger role than many people are comfortable admitting.
My guest today, Ashley Owen, believes that this golden era has ended. He argues that younger Australians are entering a very different world, with persistent inflationary pressures, higher average interest rates and potentially lower real returns across property, shares and bonds.
If Ashley is right, investors can’t simply extrapolate the returns of the last 30 or 40 years into the future. Retirement calculations may be too optimistic, traditional asset allocations may be less reliable, and the next generation may need to save more, invest differently and remain invested for longer.
In this episode I’m speaking with Ashley Owen about how Australia’s investment environment has changed across generations.
Join me as we unpack what this means for investors, retirees, and the next generation.
Takeaways
• Inflation is global, so Western economies tend to rise and fall together.
• Long periods of falling inflation create unusually strong returns across most asset classes.
• Government borrowing and loose fiscal policy can keep inflation pressures elevated.
• Military spending has repeatedly triggered major inflation spikes throughout history.
• The best recent investing decade was boosted by declining inflation and interest rates.
• Shares generally outperform bonds and cash during most long-term market cycles.
• Bonds can deliver weak or negative real returns during high inflation periods.
• Australian housing holds up better because debt is eroded by inflation over time.
• Rising protectionism and re-shoring increase costs across goods, wages, and supply chains.
• Starting early and avoiding crowd behaviour matter more than chasing short-term trends.
Chapters
• 05:08 - Why investors need a 150-year view of inflation
• 08:54 - Three lessons from 150 years of global inflation
• 22:26 - Every driver of the golden era has now reversed
• 29:38 - What returns look like in high-inflation decades
• 37:29 - Why Australian housing is the standout asset class
Links and Resources:
Answer this week’s trivia question here - https://www.propertytrivia.com.au/
• Win a copy of How To Grow A Multi-Million Dollar Property Portfolio In Your Spare Time.
• Every entry receives a copy of a fully updated Michael Yardney Property Report.
Michael Yardney – Subscribe to my Property Update newsletter here
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Ashley Owen, Director of Owen Analytics https://www.owenanalytics.com.au/
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Also, please subscribe to my other podcast Demographics Decoded with Simon Kuestenmacher – just look for Demographics Decoded wherever you are listening to this podcast and subscribe so each week we can unveil the trends shaping your future.
About The Michael Yardney Podcast | Property Investment And Wealth Creation Australia
The Michael Yardney Podcast is one of Australia’s leading property investment podcasts, helping investors understand the Australian property market and build long-term wealth through strategic property investing.
Each week we explore:
• Australian property market updates
• Property investment strategies in Australia
• Melbourne property market trends
• Sydney property market forecasts
• Brisbane property investment opportunities
• Capital growth property strategies
• Property cycles in Australia
• Negative gearing and tax strategy
• Interest rates and their impact on property
• Buyer’s agent insights and investment planning
If you’re serious about building a high-performance property portfolio and creating financial freedom through real estate, this podcast will give you the clarity and strategy you need.
Learn more at:
https://propertyupdate.com.au
https://metropole.com.au