Let’s talk about the big news that just dropped — the inflation data for May. And guess what? It’s all good news. Inflation has come in at 2.1%, with underlying inflation at 2.4%. For those who don’t know, the Reserve Bank of Australia (RBA) targets inflation to stay between 2% and 3%. So that 2.1% figure? It puts us right at the bottom of the target range.

If this trend continues, inflation could fall below the range. And that’s why it’s all but guaranteed — interest rates are coming down in July. Lock it in. The RBA is set to make its announcement on July 8, and the only question left is how big the cut will be. Will it be a cautious 0.25%? Or a bold 0.5%? Either way, it’s a cut. And a cut means the property market is about to heat up.

Lower Rates = Higher Prices

At the Summit, we said it: when interest rates drop, property prices rise.

Why? Because borrowing becomes cheaper. Repayments go down. Buying power goes up. More people can afford to jump into the market — and they do. That rush drives prices higher. So if you’re sitting on the fence about buying, this is the sign you’ve been waiting for.

Protect or Prepare? A Real Talk for Parents

Post-Summit Reflections

In the days after the Summit, I’ve been having some powerful one-on-one sessions with students. One stood out. I was chatting with a mum, and she mentioned how her older kids are getting ready to move out. Naturally, she wanted to help — pay the bond, furnish the place, make it nice.

And look, that instinct is beautiful. Parents want to give their kids what they didn’t have. But here’s the real question I asked her:

Are you protecting your kids… or preparing them?

Struggle Builds Character

She paused. And I shared some of my own story. I moved out when I was 15 with my older brother. We had nothing. I mean nothing. We bought a sound system before a fridge. We forgot to buy cutlery. It was a mess — but those are some of the best stories I have.

When you go through hard times early, you build character. You learn. Grow. Make mistakes. Fix them. And those struggles? They become life lessons.

Too often, we try to manage the adversity out of our kids’ lives. But the struggle is where the appreciation is born. When your kid has to buy their own toothpaste for the first time, trust me — they start to appreciate how much you did for them.

Let Them Learn the Hard Way (For Now)

Couples go through this too. They start out broke, comparing their life to their parents’ — forgetting their parents went through the same struggles. The truth is, you’re meant to start broke. That’s part of the process. That’s how you learn the value of money, the power of saving, and the cost of life.

So to all the parents out there — let your kids feel the pinch. Don’t rob them of those early lessons. Help them build the foundation for a future where they make good financial decisions, not because you saved them from struggle, but because they grew through it.

Final Word: Let Struggle Do Its Work

Your kids won’t resent you for letting them struggle. In fact, they’ll thank you. They’ll talk to you differently. Act with more maturity. Carry gratitude in everything they do.

Struggle is the seed of strength. So don’t pull it up too early. Let it grow while inflation is low. Prepare them for life — don’t protect them from it.

Ready to start your child’s property journey early? Let’s talk.