April 27, 2025 • 31 mins
The cultural foundation of Australia is crumbling beneath our feet.
While other Finance Bible episodes focus on dollars and cents, today we’re tackling something far more valuable — our national identity and social cohesion.
Australia has transformed from the land of “have a go” to the land of “don’t offend.”
Our schools prioritise gender ideology over basic literacy, with one-third of Year 9 students failing to meet minimum reading benchmarks. Meanwhile, suicide has become the leading killer of men under 45, accounting for a staggering 75% of all Australian suicides.
These aren’t just statistics — they represent real lives being lost as our society loses its way.
The uncomfortable truths continue:
- 85% of youth inmates come from fatherless homes.
- Housing prices have surged over 30% while real wages have fallen by nearly 7%.
- Australia now leads OECD nations in antidepressant usage.
- Our birth rate has collapsed to just 1.5 babies per woman — far below the 2.1 needed for population replacement.
- Traditional celebrations are under attack, speech is censored, and success is demonised through our persistent tall poppy syndrome.
This episode isn’t offering immediate solutions — it’s holding up a mirror.
Because you can’t fix what you won’t admit is broken.
In subsequent episodes, we'll tackle each issue individually, exploring potential solutions and sparking necessary conversations about rebuilding Australia's cultural foundations.
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Share it with someone who’s ready for honest conversation. The longer we wait to address these fundamental issues, the harder they become to solve.
Australia’s identity crisis demands our attention now — before the qualities that made our nation great disappear entirely.
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The information in this podcast is general in nature and does not constitute personal advice. It does not take into account your individual objectives, situation, or needs. Always consider whether the information is appropriate for you and seek professional advice where necessary.
#CultureWar #AustraliaPodcast #Leadership #CommonSense #EducationReform #FatherhoodCrisis #MentalHealthCrisis #TraditionMatters #FreedomOfSpeech
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Zeke Guenthroth (00:01):
Welcome back to the Finance Bible Podcast.
But today we're not going to betalking about money.
We're talking about culture,australian culture, because none
of the economic systems,business strategies or political
plans mean anything if ourfoundation of our country is
rotten.
Today's episode is a realitycheck.
I'm not offering solutions, I'moffering a mirror.
We're going to unpack the realissues that no one wants to talk
(00:23):
about, because until we tellthe truth, we'll never get our
country back on track.
Welcome back to another episodeof the Finance Bible.
Podcast.
You're joined with myself, zeke, and your co-host, oscar.
But before we get into it,please note that nothing in this
(00:46):
podcast should ever beconsidered as personal financial
advice.
But if that is what you areseeking, get in touch, let us
know and we will hook you upwith the correct professionals.
Sit back, relax and enjoy theshow.
Let's get into it.
First of all, australia is in acultural decline and an identity
(01:06):
crisis.
We used to be the land of havea go and now it's the land of
don't offend.
We used to celebrate resilience, strength, grit, and now we
apologise for our past, censorour speech and we question our
identity.
We celebrate Australia Day onthe 26th of Jan, the day the
First Fleet raised the Britishflag in 1788, and it's
(01:27):
questioned.
It's controversial.
Previously, the Dutch and theBritish explorers.
They mapped out parts of thecontinent earlier, with the
Dutch landing in 1600 or 1606,and Cook charting the east in
1770.
On the 26th of Jan 1788,australia planted the flag and
the British colonised Australia.
(01:49):
We shifted from scatteredterritories and coastlines to
becoming part of a global systemof governance, law, trade,
migration, foundations.
That evolved into the nation welive in today.
But now the date's sort ofbecome a battleground, not a
moment of unity anymore.
Public figures are attacked forshowing pride in their country
for waving an Australian flag.
Meanwhile, on the other side ofthe world, in France, they
(02:12):
defend free speech at all costs,even after the Charlie Hebdo
terrorist attack, and Japan alsoproudly teaches its heritage
national values in schools.
Australia, we hand out triggerwarnings for Shakespeare.
Only 39% of Australians saythat they feel free to express
their political views withoutany backlash, and that says it
all.
What we're going to do here iswe're just going to lay out a
(02:33):
bunch of different issues.
We're going to talk throughthem and explain what all these
issues are to an extent, or atleast point them out, and then
in the coming episodes we'regoing to walk through each
individual issue with kind of aguide and a spin on it that just
gets you thinking about it anddifferent solutions and that
kind of thing.
For example, moving australiaday I think it's pretty
pointless.
As I said, australia wasdiscovered well before january
(02:57):
26, 1788.
It was explored, mapped out,pretty much claimed, but it was
26 january 1788 that we actuallyhad the british plant the flag,
captain cook, and identify itas its own country.
It was its own global system ofgovernance at that point and
without that day we wouldn't bewhere we are today.
(03:17):
So but it's not really the daythat australia was discovered.
It's not really the day that westarted coming here.
It had been done many timesbefore, for hundreds of years
before that, or over 150 yearsanyway, and there's not really a
need to move the date based onthat angle.
If you're having that argument,we'll get into it a bit further
(03:38):
in the next episode, but we'llleave it there for now.
Moving on to education andideological programming, another
big issue in today's society.
So our school system, forexample, is no longer about
excellence, it's about ideology.
It's pretty well pointless, inmy opinion.
School doesn't teach what itshould teach.
You know, kids are learningabout gender fluidity before
(04:01):
puberty, which is outrageous.
Pronouns are in primary schoolabout gender fluidity before
puberty, which is outrageous.
Pronouns are in primary school.
There's programs like SafeSchools, where they basically
tell boys that they can haveperiods and encourage secrecy
from parents.
Teachers are pushing ideas likewhite privilege and colonial
guilt under year five kids.
Year five in Australia is twoyears before high school.
(04:21):
So what are you there like?
10 years old and the actualoverall education standards are
failing.
They're falling very low andone in three so 33% of year nine
students so 15, can't meet theminimum reading benchmark.
One in three students can'treach the minimum reading
(04:44):
benchmark.
We've removed exams, so you'reno longer, for example, my
little sister for math, her oneof her um, what you would
normally do as a tester, an exam, but she was doing an
assignment.
I never in a thousand yearscould have imagined doing a
assignment instead of an exam inmathematics like what is, what
(05:08):
is the point?
How does that even work?
How are you going to take anequation of 16 plus 5 home and
do that when you can simply sitin a room with a famous
blackboard?
Keep the blackboards and do themath right there.
It should should be as simpleas that.
Exams are really good.
Exams test your memory.
They test your knowledge, theytest your recall and your
(05:30):
ability to convey it correctly.
They've made learning nownonlinear, so assignments and
more emotive, moreEnglish-dominant, like writing,
and there's strict allaccountability, whereas if you
go to you know, finland,singapore they're crushing it.
Their education system's doingreally well because they delay
(05:52):
the social ideology and focus onreal education.
If australia kept its focus oneducation as opposed to ideology
pronouns um, you know, lettingboys know that they're all
aggressive and criminals andstuff then it would be a much
better place.
And if they brought backreading and really encouraged
students to actually read, thenmore than one in three students
(06:14):
in year nine or 15-year-oldscould actually meet the minimum
reading benchmark.
That brings me on tofatherlessness and family
breakdown.
That brings me on tofatherlessness and family
breakdown.
So Australia is pretty mucherased the role of fathers, as
have other countries, to be fair, and our kids are paying the
price.
So only 18% of early childeducators are male.
(06:37):
So young teachers, teachers ofyoung children, sorry.
And with that, family courtsaward over 70% of primary
custody to mothers.
The stats, well, they show theproblem.
85% of youth inmates inAustralia come from fatherless
homes.
Youth crime is exploding.
You know Queensland, forexample.
(06:59):
You probably see it on the newsevery day if you're in
Australia.
It's up 30%, which is a largeamount.
And it's not just a legal issue, it's cultural.
Again, there's boys growing upwithout men around them.
They grow up without models.
Then, obviously, on the counterside of that, if girls grow up
without fathers, they end upgrowing up with lower standards
or less standards or evencompletely without them.
The impact of a father on amale child specifically
(07:25):
decreases the chance of themending up in prison or ending up
committing any form of crime,because there's a disciplinary
role model there that comes inand sort of guides them through
life as a man and helps themmake the decisions that they
need to make.
As I said, 85 of youth inmatesin australia come from
fatherless homes.
Outrageous, it's a huge stat85% of them.
(07:47):
So having a father reduces yourchance by 85%.
The next one to talk about, then, is pretty well correlated to
that to an extent.
There's masculinity, andthere's also a bit of mental
health as well.
So there's a huge war on it atthe moment.
You've got your toxicmasculinity and all of this
stuff.
You see Andrew Tate's namegetting brought up all the time,
(08:07):
and a bunch of other names aswell and ultimately what we've
done as a nation, or even as aworld to an extent, aside from
the eastern side of the world iswe've completely demonized
masculinity.
And then what we've done iswe've acted completely shocked
when men start falling apart.
So toxic masculinity gets allthe airtime, but where's the
(08:31):
encouragement for healthymasculinity like?
Where's the recognition of menwho lead, protect, sacrifice and
just do their duties and choresas a man and commit what they
need to commit?
Schools, ban contact sport, adsshow dads as clueless Society
tells boys at a young age thatthey're aggressive just for
existing.
No wonder suicide's the numberone killer of men Under 45, that
(08:53):
is, 75% of suicides inAustralia are male 75%.
So for every four suicides,three of them are men and it's a
leading killer of under 45s.
Not accidents Under 45, thinkabout that age.
(09:14):
You should really be healthy atthat age.
There shouldn't be any majorthings going on, so it should
all be accidents.
Really.
Some people aren't blessed withable bodies and stuff and they
may deteriorate and pass awaybefore 45.
But for suicide to be thenumber one killer of men under
45 is actually a terriblestatistic.
(09:34):
It's completely outrageous.
And when we're in a point wherewe've got less, we've
ultimately got men and womenbeing born and it's pretty
similar the way that ratio works.
But when men are starting tokill themselves in bulk pre-45,
then we end up with acounterbalance and we think the
(09:55):
solution is just you know, menneed to talk about their
feelings and introducing, youknow, therapy and some
prescriptions and all of thesekinds of things and talking
about it.
It's not really the solution.
Men just need purpose, respect,strength, duty and that's
something that we really need tofocus on fixing up.
(10:15):
I think that the mental healthwar and masculinity and that is
shocking and there'll be more onmental health a bit later.
I'll go into a bit morestatistics on that.
But moving on to quotas,identity politics, reverse.
Discrimination is a huge one inthe world today, especially
within Australia.
So we do a lot of hiring basedon skin colour and gender, not
merit.
So what are some examples?
(10:37):
Abc, sbs, local councils theyall run Indigenous-only jobs and
tech companies out thereoffering women-only programs.
If you're male and white, thenyou'll get grants denied, for
example, going to universitiesand stuff you don't qualify for
certain things.
Imagine if we flipped that.
Imagine if we were just givingadvertising for jobs white, male
(11:00):
only, or non-Indigenous, or menonly, no women.
It would be absolute outrage.
I understand what they'retrying to do, but there is
better solutions to it andthat's just going to trigger
more discrimination and moreracism and more sexism as we go
on.
It doesn't matter what colour,what race, what sex you are or
anything like that.
I think everything should bebased on basically your ability.
(11:24):
It shouldn't be based onanything else.
Aside from that, 30% of thepublic sector jobs reference
race or gender.
30%, that's pretty well.
One in three jobs is for aspecific race or gender.
42% of ASX 200 companies thetop 200 companies in Australia
(11:44):
they're public have hiring kpisbased on sex.
It doesn't bring unity, itcreates resentment.
Real equality means equalopportunity, not guaranteed
outcomes and we've seen that inmany other countries, if you
look at, for example,scandinavian countries.
We'll go into that further inupcoming episodes.
But equal opportunity is theway to go.
(12:06):
Guaranteed outcomes does notwork.
So, moving on to a few otherissues, again, we've got the
housing crisis.
So the median house prices havegone up over 30% since 2020.
So within the last four and ahalf years, or five years, up
30% Migration added over half amillion people in 2023.
(12:28):
So again, you need half amillion people in that one year.
Finding housing Are we buildingthat many homes?
Vacancy rates in the capitalcities are under 1%, so there's
a real crunch.
There's not enough housing.
There's mass migration withoutintegration.
So there's no englishrequirements for migration.
(12:49):
There's no cultural adoption.
There's just pressure onhousing, schools, health care,
language barriers and a bunch ofother issues.
There's no, there's no adoptionof our culture or understanding
of of what needs to be achievedin austral.
It's just to let everyone inand hope for the best, which
then again attributes tohealthcare failure.
(13:11):
So public wait times are above40 days for surgeries now.
Emergency departments are atrecord overload.
It's pretty drastic and dire.
If you go to an emergencydepartment and it's not
life-threatening.
You're going to be waiting likesix, seven hours overnight and
meanwhile hospitals have beenworrying about gender-inclusive
language, you know, referring topregnant women as pregnant
(13:32):
people and stuff like this, asopposed to actually worrying
about issues that are impactingtheir services.
In the world at a whole, youthcrime is chaotic.
Over 50% of juvenile offendersre-offend within 12 months.
Social media is filled withviolent footage.
There's no consequences for it,really.
You see, if you go into localcourt, you just watch a Go, sit
(13:53):
there for a whole day, watch itunfold, and if you go week by
week or month by month, you'llnotice the same people coming in
and out, in and out, in and out, and they're getting a little
slap on the wrist and told notto repeat offend.
They do it again, they do itagain, they do it again, and
there's not any real punishmentand or consequences.
I should say not necessarilypunishment, but that's something
(14:15):
that we need to highlight aswell.
Which moves on to the prisonsystem 46 percent of released
prisoners in australia return tojail within two years, so it's
half of them.
They get out of jail, they'reback within two years.
So it's half of them.
They get out of jail, they'reback within two years.
Indigenous Australians make up32% of the prison population,
but they're only 3% of ourpopulation and we keep recycling
(14:38):
people through the same brokensystem.
So we just keep putting peoplein there.
They are supposed to getrehabilitated.
Half of them end up back therewithin two years and we have a
huge gap where the indigenousare making up a very large
portion of the jail population.
Obviously, mayors make up amajority of it as well, so
(14:58):
there's a couple of differentthings in there to focus on, but
ultimately, another thing tohighlight we'll go into
solutions of that in furtherepisodes too climate overreach.
Simply put, australia isabsolutely crippling local
industries for a net zero goal.
I think it's 2050 that we'reaiming for.
Meanwhile, china's building twocoal plants a week.
(15:21):
Our sacrifice that Australiamakes as a country is not doing
anything on a global scale.
That Australia makes as acountry is not doing anything on
a global scale, like if we'reshutting down things or aiming
for net zero and we're doingthis, we're doing that.
Our overall economic impact orclimate impact globally is very
minimalistic compared to thoseof China and stuff that are
doing things.
So we need to find a balancethere.
(15:42):
What else have we got Genderclinics of balance there.
Uh, what else have we got?
Gender clinics?
So in 2014, 211 minors and Imean minors is m-i-n-o-i-s, not
um, car minors or whatever werereferred to gender clinics.
So only 211 in 2014 fastforward, 10 years later we're
(16:05):
averaging over 2 000 per year,so 10 times multiplier of minors
under 18s getting referred togender clinics.
Queensland alone has 547 activecases right now and over 490
waitlisted.
Which then takes me on to mentalhealth again.
We've had an absolute collapsein mental health.
(16:27):
One in five Aussies now are onantidepressants.
We actually have the highest inthe OECD.
Now you're probably wonderingwhat the heck is the OECD?
The OECD, simply put, is about36 countries in the world.
You've got Australia, austria,belgium, canada, chile, denmark,
germany, usa, greece, japan,mexico, new Zealand, a bunch of
(16:50):
other ones, but you've got about36 countries in it and we have
the highest antidepressant rateout of all of those countries.
Ssri in youth has doubled.
You're probably wondering whatis that?
As well, that's selectiveserotonin reuptake inhibitors.
They're ultimately probably oneof the most pointless
(17:13):
medications I've ever read about, seen, studied.
And while that's happened,while we've doubled that,
suicide is still on the rise.
As I said, 75% of suicides inAustralia are male, and suicide
is the number one death causefor men under 45.
So if all these medications aregetting more and they're doing
the right thing, then how issuicide on the rise?
(17:36):
There's a clear issue therethat needs to be tackled and
there's no point trying to offera little, you know, a Band-Aid
fix to a problem once it'salready there.
We're better off preventing theproblem.
Which brings me on to anothermajor issue, and this links
directly and correlates directlywith mental health, because it
(17:57):
actually has a directcorrelation to mental health,
and that's nutrient deficiency.
Now you're probably out therewondering yeah, there's nutrient
deficiencies and stuff likethat.
How does it correlate to mentalhealth?
There's a bunch of differentways.
For example, differentnutrients help create serotonin
and dopamine and you've got togo through all these processes
and methylation and so on.
(18:17):
And you've got to go throughall these processes and
methylation and so on, but we'lltackle that in a later episode
as well.
Ultimately, soil minerals aredown about 50% since 1950.
So in 1950, if you were eatingspinach, for example, then you
would be getting double thenutrients you're getting now
Vitamin D, magnesium, zinc onaverage, they're all below
(18:38):
recommended levels.
We're overfed, we'reundernourished and that needs to
change.
People need to get back onwhole food diets.
We need to get back into noteating as much processed things,
stripping out sugar, gettingrid of enriched foods good old
enrichment or fortified foods.
Decline of marriage is anotherone.
So marriage rates have droppedover 30% since 2000.
(19:00):
30% and now what we're doing iswe're glorifying hookup culture
and independence, but we hidethe actual cost of it, like
broken families and emotionalburnout.
Again, broken families withouta dad 85% of youth offenders
were raised in a fatherless home.
So if we're having a decline ofmarriage and men are stepping
out of relationships or womenare pushing men out of
(19:23):
relationships whichever of thetwo it is, I'm not saying which
one we're bringing up an issueand we'll discuss the issue
later, but that's contributingto the problem.
Now, when we're talking aboutglorifying hookup culture and
we're talking about a bunch ofdifferent things around that,
like, for example, instagram andTikTok and that, and
sexualization, onlyfans, thecreation of all of these
(19:47):
industries and ultimately, pornand that kind of thing, what
changes have we had on that inthe last few years?
So, porn, tiktok, dopamine,addiction they're higher than
ever and we'll go intostatistics and a breakdown later
on in another episode.
But there's no discipline beingtaught.
(20:07):
Boys are lost, girls areanxious.
Everything you see on theinternet now is sexualized, even
like Netflix shows and stuffthat are coming out.
They're bringing things in at avery young age where they're
giving some kind of sexualannotation on things.
Like you know that adolescenceshow for those of you who
(20:30):
watched it on Netflix, it was amajor debate sparker and it's
centered around a 13-year-oldwho kills a classmate female and
the reason he does it isbecause he's getting bullied and
called an incel because he'snot sexually active.
He's 13.
Why are we focusing it's?
It's not a documentary,contrary to popular belief.
Some people uh think it was adocumentary.
(20:51):
It's not, um, why, why are wemaking shows about 13 year olds
killing girls because they'renot having sexual intercourse
and they're getting bulliedabout it?
It's just absurd.
They're normalising that andsort of they're doing it too
young.
I don't know why there's asexual annotation around a
13-year-old and it's reallymind-boggling to me.
But we'll move on from that andtalk about that at a later
(21:14):
stage as well.
Parental rights stateintervention Schools can
encourage gender changes nowwithout parental involvement.
Hormonal treatment for minorsis approved faster than some
surgeries for cancer patientsand that's legitimate.
There's studies done into that,the specific case examples
which we can provide.
And yet we're actually testingpeople how to drive.
(21:35):
You've got to apply for alicense to drive a car, but you
don't have to do anything toraise kids.
I could rewind the clock 15years and go impregnate someone
and have a kid if I wanted to,and there's nothing to prevent
that.
I think there needs to be somekind of logic going on and we
need to find an equilibriumVictimhood culture.
(21:57):
We reward outrage and identityover logic and contribution.
Everyone wants to be offendedin today's world and no one
wants to be responsible.
Realistically is being offendeda huge issue.
Do we have the right to offend?
Demonization of wealth isoccurring.
Building success now is labeledhaving privilege, in Australia
(22:20):
especially.
I've traveled around the world afair bit.
I've met people and donebusiness with people all around
the world and the maindifference I noticed between
Australia and every othercountry, regardless of what
country it is, is people hatethe rich in Australia, they hate
people who have success andthey hate people who are doing
well.
There's a real negative tallpoppy syndrome in australia and
(22:43):
it should be the opposite.
Um, and that's all until theywant handouts from those who are
doing well.
But ultimately you, if you goto america and you, you try to
start doing something, thegeneral sentiment around it is
very positive and it's like okay, yay, like congratulations,
well done, and you get support.
It might be a bit likeoutlandish and a bit extreme
(23:05):
support, but in Australia ifyou're doing something, it's
more I wouldn't say bullyingbecause personal opinion, but
it's more like a negativeannotation around them and you
might make jokes with them andbe like oh yeah, you know you're
going and doing this or you'redoing that.
Ha ha, ha, ha.
Um, but yeah, australia hasreally bad tall poppy syndrome
and I think we need to be awareof that as we move forward as
(23:26):
well, and we need to change thatculture.
There's war on traditions now,so christmas has been rebranded,
australia day is contested andthey're trying to change the
date every single year, andAnzac Day is censored now as
well.
What we're doing is we'reultimately erasing the roots
that held the country togetherfor so long and we need to find
(23:47):
a way to bring it all back andget everyone back in there, make
it inclusive.
None of these days are toexclude anyone.
None of these days are out hereto make people feel like
they're not involved in anything.
It's a day where we celebratethings and we bring everyone
together and it's just everyonecelebrating something Like Anzac
Day, celebrating the fact thatwe have a right to life now due
(24:11):
to those before us who madesacrifices that enable us to
ultimately be here today andhave the security and safety and
comfort that we have.
Why are we not celebrating thatmore?
You know, why do they get oneday and other things out?
There are getting a whole lotmore time for recognition.
You know we give Mother's Dayand Father's Day the same amount
(24:33):
of time as we give ANZACs, notsaying that mothers and fathers
don't deserve it, but that'sjust one example.
And then you've gotInternational Women's Day,
international Men's Day, againAnzac Day, I would argue, more
important than all four of them.
And then you've got Pride Monththe whole month.
Then you move on to freedom ofspeech, cancel culture.
So you say the wrong word, youlose your job.
(24:54):
You say the wrong thing, youlose your job.
You make the wrong joke, youlose your job.
Offence is now treated likeviolence.
In fact, it's arguably treatedworse than violence in a lot of
cases.
Australia is not as bad for itas other countries like the UK
yet, but we're headed there andit's not good.
(25:14):
Truth being censored is notpolitically safe and everyone
should have the right to maketheir own opinions and comments
and stuff like that.
I don't think that offendingsomeone is the worst thing in
the world and, ultimately, ifyou're going to have debates,
you're going to have discussionsabout things.
People will be offended eitherway, but it should just be about
talking through it and figuringout okay, well, this is your
(25:35):
opinion and here's why this ismine and here's why's right and
wrong.
Where's in between?
A health care system in terms oflike abuse and obesity is at an
extremely alarming level.
So two in three adults now inaustralia are overweight two in
(25:57):
three.
And we're out here instead ofsaying all right, well, you're
overweight, you know, let'slet's do something about it and
encouraging sports orencouraging diet or whatever.
Instead we're going just loveyourself, you know, your body is
your body, and we're avoidingthe hard truths about health.
Like I'm not out here sayingyou need to go and bully
everyone who's slightlyoverweight or anything, but
we're in a position now wherewe're completely aware of the
(26:20):
risk of cardiovascular diseaseand health issues from being
overweight and obese.
Why are we out here saying, oh,just love yourself and don't
worry about it, when you know ifit's my family, for example, or
my friends, I'm going to beletting them know and I actively
do it and I just say, look, youknow something needs to change.
(26:41):
You know, if you're going downthis path, you know let's go
kick a ball or something, let'sgo to the gym.
You know we'll cook up a feedtonight or something and get
some steak because it's theirhealth.
If I care about them, I'm goingto have that input in their
life and be that positiveinfluence.
We health.
(27:05):
If I care about them, I'm goingto have that input in their
life and be that positiveinfluence.
We'll circle back to that aswell in a future episode.
Um, welfare dependency.
So there's multi-generationalreliance and it's it's so
pointless.
Um, there's no incentive tobuild, improve or exit the
system.
Because if you're just sittingthere getting given stuff your
whole life, why are you going tobother improving?
There's no need youth detentioncenters.
They're soft kids.
Just keep re-offending.
Juvenile crimes going up.
They get caught, they getreleased, repeat and there's no
consequence.
(27:26):
School disciplines collapsed.
Teachers are quitting in droves, students are disrespectful,
parents are entitled andclassrooms are absolute chaos.
The part of that is to do withthe learning structure now, for
example, being now non-linear,and movement and sports and
stuff is being sort of phasedout of school.
(27:49):
So men or boys will naturallyfind it harder to sit still and
write things, emot, emotivepieces about you know someone
walking to the shop and the sunwas up and the grass was green
and it made them feel upsetabout this or that or the other.
Boys are going to struggle withthat 90% of the time and then
(28:09):
that's going to lead to morechaos.
For example, myself in school,anything like that I wouldn't
bother.
I was like no, boring, don'tcare, I'm going to have fun, and
I'd disrupt the class.
There's been a birth ratecollapse, so australia's birth
rate in 2023 hit a record low.
(28:29):
There's just 1.5 babies perwoman.
So if you've got a woman and aman, that's two people,
obviously, and they'rereproducing 1.5.
So for the two of them thatpass away, there's only 1.5.
So for the two of them thatpass away, there's only 1.5 to
replace them, which leads to thepopulation going down.
We need 2.1 as a birth rate toeven sustain the population, and
that's assuming that each womanis with one man.
In today's world, with marriagedeclining, you end up having
(28:53):
women having maybe two or threemarriages, or three or four
partners, and so on.
Maybe two or three marriages orthree or four partners, and so
on Not all the time, but quiteoften.
So if that woman is having twoor three different partners
long-term partners, I'm talkingand still only having 1.5 babies
, then that's per four men, forexample, which then showsa
(29:14):
massive decline in thepopulation, long-term without
immigration.
Decline of marriage, cost ofliving, cultural pessimism it's
all driving it.
Again, we're not here to tacklethe issues today.
We're here to raise them, getthings sparked, have a bit of a
think about it and then we'lltackle each issue as we go.
And the final issue that I wantto bring up is wage growth
(29:35):
versus cost of living.
So wages rose 5.7% in 2024, butthe real growth was about 0.3%.
After inflation, since 2020,real wages have actually fallen
close to 7%.
We're working hard.
Australians are working hardfor less.
In the last five years, yourwages have dropped 7%.
(29:56):
Meanwhile, property prices havegone up 30% or more.
So no wonder we're in such ahousing crisis.
No wonder everyone's struggling.
No wonder there's a cost ofliving issue, and financially
the impact is huge.
But as I said, guys, thisepisode is not about solutions.
It's about naming problems,because you can't fix what you
won't even admit is broken.
So in the next episode, whatwe're going to do is we're going
(30:19):
to start laying out realsolutions, one at a time.
We're just going to tackle oneissue, go through it.
Another issue, go through itand I'm going to raise what I
think are solutions.
But the whole point of it is toopen up a discussion, think
about things and just exposedifferent ideas that we might
not have thought of before.
And I'm obviously going to beopen to feedback.
I cop feedback all the time onInstagram, so feel free to let
me know.
I think this is going to be afun series.
(30:41):
It's going to be good to gothrough each issue and we'll
take it from there.
For now, share this around,send it to someone who's tired
of the lies, because silenceisn't neutral.
The longer we wait, the harderit gets to come back.
Share it around, get everyoneinvolved, spark up a bit of
discussion, and we'll tacklethese issues one by one over the
(31:03):
coming weeks or months, and Ilook forward to you guys tuning
in each time.
Ciao, darling.
As always, we hope you enjoyedthe episode and if you did, you
know exactly what needs to bedone.
hit that follow button,subscribe.
Share it to friends, family oreven your coworkers, as sharing
this podcast helps not just us,but everyone in the world to
(31:25):
learn about their finances.
Thank you, dale.
Welcome back to the Finance Bible Podcast.
But today we're not going to betalking about money.
We're talking about culture,australian culture, because none
of the economic systems,business strategies or political
plans mean anything if ourfoundation of our country is
rotten.
Today's episode is a realitycheck.
I'm not offering solutions, I'moffering a mirror.
We're going to unpack the realissues that no one wants to talk
(00:23):
about, because until we tellthe truth, we'll never get our
country back on track.
Welcome back to another episodeof the Finance Bible.
Podcast.
You're joined with myself, zeke, and your co-host, oscar.
But before we get into it,please note that nothing in this
(00:46):
podcast should ever beconsidered as personal financial
advice.
But if that is what you areseeking, get in touch, let us
know and we will hook you upwith the correct professionals.
Sit back, relax and enjoy theshow.
Let's get into it.
First of all, australia is in acultural decline and an identity
(01:06):
crisis.
We used to be the land of havea go and now it's the land of
don't offend.
We used to celebrate resilience, strength, grit, and now we
apologise for our past, censorour speech and we question our
identity.
We celebrate Australia Day onthe 26th of Jan, the day the
First Fleet raised the Britishflag in 1788, and it's
(01:27):
questioned.
It's controversial.
Previously, the Dutch and theBritish explorers.
They mapped out parts of thecontinent earlier, with the
Dutch landing in 1600 or 1606,and Cook charting the east in
1770.
On the 26th of Jan 1788,australia planted the flag and
the British colonised Australia.
(01:49):
We shifted from scatteredterritories and coastlines to
becoming part of a global systemof governance, law, trade,
migration, foundations.
That evolved into the nation welive in today.
But now the date's sort ofbecome a battleground, not a
moment of unity anymore.
Public figures are attacked forshowing pride in their country
for waving an Australian flag.
Meanwhile, on the other side ofthe world, in France, they
(02:12):
defend free speech at all costs,even after the Charlie Hebdo
terrorist attack, and Japan alsoproudly teaches its heritage
national values in schools.
Australia, we hand out triggerwarnings for Shakespeare.
Only 39% of Australians saythat they feel free to express
their political views withoutany backlash, and that says it
all.
What we're going to do here iswe're just going to lay out a
(02:33):
bunch of different issues.
We're going to talk throughthem and explain what all these
issues are to an extent, or atleast point them out, and then
in the coming episodes we'regoing to walk through each
individual issue with kind of aguide and a spin on it that just
gets you thinking about it anddifferent solutions and that
kind of thing.
For example, moving australiaday I think it's pretty
pointless.
As I said, australia wasdiscovered well before january
(02:57):
26, 1788.
It was explored, mapped out,pretty much claimed, but it was
26 january 1788 that we actuallyhad the british plant the flag,
captain cook, and identify itas its own country.
It was its own global system ofgovernance at that point and
without that day we wouldn't bewhere we are today.
(03:17):
So but it's not really the daythat australia was discovered.
It's not really the day that westarted coming here.
It had been done many timesbefore, for hundreds of years
before that, or over 150 yearsanyway, and there's not really a
need to move the date based onthat angle.
If you're having that argument,we'll get into it a bit further
(03:38):
in the next episode, but we'llleave it there for now.
Moving on to education andideological programming, another
big issue in today's society.
So our school system, forexample, is no longer about
excellence, it's about ideology.
It's pretty well pointless, inmy opinion.
School doesn't teach what itshould teach.
You know, kids are learningabout gender fluidity before
(04:01):
puberty, which is outrageous.
Pronouns are in primary schoolabout gender fluidity before
puberty, which is outrageous.
Pronouns are in primary school.
There's programs like SafeSchools, where they basically
tell boys that they can haveperiods and encourage secrecy
from parents.
Teachers are pushing ideas likewhite privilege and colonial
guilt under year five kids.
Year five in Australia is twoyears before high school.
(04:21):
So what are you there like?
10 years old and the actualoverall education standards are
failing.
They're falling very low andone in three so 33% of year nine
students so 15, can't meet theminimum reading benchmark.
One in three students can'treach the minimum reading
(04:44):
benchmark.
We've removed exams, so you'reno longer, for example, my
little sister for math, her oneof her um, what you would
normally do as a tester, an exam, but she was doing an
assignment.
I never in a thousand yearscould have imagined doing a
assignment instead of an exam inmathematics like what is, what
(05:08):
is the point?
How does that even work?
How are you going to take anequation of 16 plus 5 home and
do that when you can simply sitin a room with a famous
blackboard?
Keep the blackboards and do themath right there.
It should should be as simpleas that.
Exams are really good.
Exams test your memory.
They test your knowledge, theytest your recall and your
(05:30):
ability to convey it correctly.
They've made learning nownonlinear, so assignments and
more emotive, moreEnglish-dominant, like writing,
and there's strict allaccountability, whereas if you
go to you know, finland,singapore they're crushing it.
Their education system's doingreally well because they delay
(05:52):
the social ideology and focus onreal education.
If australia kept its focus oneducation as opposed to ideology
pronouns um, you know, lettingboys know that they're all
aggressive and criminals andstuff then it would be a much
better place.
And if they brought backreading and really encouraged
students to actually read, thenmore than one in three students
(06:14):
in year nine or 15-year-oldscould actually meet the minimum
reading benchmark.
That brings me on tofatherlessness and family
breakdown.
That brings me on tofatherlessness and family
breakdown.
So Australia is pretty mucherased the role of fathers, as
have other countries, to be fair, and our kids are paying the
price.
So only 18% of early childeducators are male.
(06:37):
So young teachers, teachers ofyoung children, sorry.
And with that, family courtsaward over 70% of primary
custody to mothers.
The stats, well, they show theproblem.
85% of youth inmates inAustralia come from fatherless
homes.
Youth crime is exploding.
You know Queensland, forexample.
(06:59):
You probably see it on the newsevery day if you're in
Australia.
It's up 30%, which is a largeamount.
And it's not just a legal issue, it's cultural.
Again, there's boys growing upwithout men around them.
They grow up without models.
Then, obviously, on the counterside of that, if girls grow up
without fathers, they end upgrowing up with lower standards
or less standards or evencompletely without them.
The impact of a father on amale child specifically
(07:25):
decreases the chance of themending up in prison or ending up
committing any form of crime,because there's a disciplinary
role model there that comes inand sort of guides them through
life as a man and helps themmake the decisions that they
need to make.
As I said, 85 of youth inmatesin australia come from
fatherless homes.
Outrageous, it's a huge stat85% of them.
(07:47):
So having a father reduces yourchance by 85%.
The next one to talk about, then, is pretty well correlated to
that to an extent.
There's masculinity, andthere's also a bit of mental
health as well.
So there's a huge war on it atthe moment.
You've got your toxicmasculinity and all of this
stuff.
You see Andrew Tate's namegetting brought up all the time,
(08:07):
and a bunch of other names aswell and ultimately what we've
done as a nation, or even as aworld to an extent, aside from
the eastern side of the world iswe've completely demonized
masculinity.
And then what we've done iswe've acted completely shocked
when men start falling apart.
So toxic masculinity gets allthe airtime, but where's the
(08:31):
encouragement for healthymasculinity like?
Where's the recognition of menwho lead, protect, sacrifice and
just do their duties and choresas a man and commit what they
need to commit?
Schools, ban contact sport, adsshow dads as clueless Society
tells boys at a young age thatthey're aggressive just for
existing.
No wonder suicide's the numberone killer of men Under 45, that
(08:53):
is, 75% of suicides inAustralia are male 75%.
So for every four suicides,three of them are men and it's a
leading killer of under 45s.
Not accidents Under 45, thinkabout that age.
(09:14):
You should really be healthy atthat age.
There shouldn't be any majorthings going on, so it should
all be accidents.
Really.
Some people aren't blessed withable bodies and stuff and they
may deteriorate and pass awaybefore 45.
But for suicide to be thenumber one killer of men under
45 is actually a terriblestatistic.
(09:34):
It's completely outrageous.
And when we're in a point wherewe've got less, we've
ultimately got men and womenbeing born and it's pretty
similar the way that ratio works.
But when men are starting tokill themselves in bulk pre-45,
then we end up with acounterbalance and we think the
(09:55):
solution is just you know, menneed to talk about their
feelings and introducing, youknow, therapy and some
prescriptions and all of thesekinds of things and talking
about it.
It's not really the solution.
Men just need purpose, respect,strength, duty and that's
something that we really need tofocus on fixing up.
(10:15):
I think that the mental healthwar and masculinity and that is
shocking and there'll be more onmental health a bit later.
I'll go into a bit morestatistics on that.
But moving on to quotas,identity politics, reverse.
Discrimination is a huge one inthe world today, especially
within Australia.
So we do a lot of hiring basedon skin colour and gender, not
merit.
So what are some examples?
(10:37):
Abc, sbs, local councils theyall run Indigenous-only jobs and
tech companies out thereoffering women-only programs.
If you're male and white, thenyou'll get grants denied, for
example, going to universitiesand stuff you don't qualify for
certain things.
Imagine if we flipped that.
Imagine if we were just givingadvertising for jobs white, male
(11:00):
only, or non-Indigenous, or menonly, no women.
It would be absolute outrage.
I understand what they'retrying to do, but there is
better solutions to it andthat's just going to trigger
more discrimination and moreracism and more sexism as we go
on.
It doesn't matter what colour,what race, what sex you are or
anything like that.
I think everything should bebased on basically your ability.
(11:24):
It shouldn't be based onanything else.
Aside from that, 30% of thepublic sector jobs reference
race or gender.
30%, that's pretty well.
One in three jobs is for aspecific race or gender.
42% of ASX 200 companies thetop 200 companies in Australia
(11:44):
they're public have hiring kpisbased on sex.
It doesn't bring unity, itcreates resentment.
Real equality means equalopportunity, not guaranteed
outcomes and we've seen that inmany other countries, if you
look at, for example,scandinavian countries.
We'll go into that further inupcoming episodes.
But equal opportunity is theway to go.
(12:06):
Guaranteed outcomes does notwork.
So, moving on to a few otherissues, again, we've got the
housing crisis.
So the median house prices havegone up over 30% since 2020.
So within the last four and ahalf years, or five years, up
30% Migration added over half amillion people in 2023.
(12:28):
So again, you need half amillion people in that one year.
Finding housing Are we buildingthat many homes?
Vacancy rates in the capitalcities are under 1%, so there's
a real crunch.
There's not enough housing.
There's mass migration withoutintegration.
So there's no englishrequirements for migration.
(12:49):
There's no cultural adoption.
There's just pressure onhousing, schools, health care,
language barriers and a bunch ofother issues.
There's no, there's no adoptionof our culture or understanding
of of what needs to be achievedin austral.
It's just to let everyone inand hope for the best, which
then again attributes tohealthcare failure.
(13:11):
So public wait times are above40 days for surgeries now.
Emergency departments are atrecord overload.
It's pretty drastic and dire.
If you go to an emergencydepartment and it's not
life-threatening.
You're going to be waiting likesix, seven hours overnight and
meanwhile hospitals have beenworrying about gender-inclusive
language, you know, referring topregnant women as pregnant
(13:32):
people and stuff like this, asopposed to actually worrying
about issues that are impactingtheir services.
In the world at a whole, youthcrime is chaotic.
Over 50% of juvenile offendersre-offend within 12 months.
Social media is filled withviolent footage.
There's no consequences for it,really.
You see, if you go into localcourt, you just watch a Go, sit
(13:53):
there for a whole day, watch itunfold, and if you go week by
week or month by month, you'llnotice the same people coming in
and out, in and out, in and out, and they're getting a little
slap on the wrist and told notto repeat offend.
They do it again, they do itagain, they do it again, and
there's not any real punishmentand or consequences.
I should say not necessarilypunishment, but that's something
(14:15):
that we need to highlight aswell.
Which moves on to the prisonsystem 46 percent of released
prisoners in australia return tojail within two years, so it's
half of them.
They get out of jail, they'reback within two years.
So it's half of them.
They get out of jail, they'reback within two years.
Indigenous Australians make up32% of the prison population,
but they're only 3% of ourpopulation and we keep recycling
(14:38):
people through the same brokensystem.
So we just keep putting peoplein there.
They are supposed to getrehabilitated.
Half of them end up back therewithin two years and we have a
huge gap where the indigenousare making up a very large
portion of the jail population.
Obviously, mayors make up amajority of it as well, so
(14:58):
there's a couple of differentthings in there to focus on, but
ultimately, another thing tohighlight we'll go into
solutions of that in furtherepisodes too climate overreach.
Simply put, australia isabsolutely crippling local
industries for a net zero goal.
I think it's 2050 that we'reaiming for.
Meanwhile, china's building twocoal plants a week.
(15:21):
Our sacrifice that Australiamakes as a country is not doing
anything on a global scale.
That Australia makes as acountry is not doing anything on
a global scale, like if we'reshutting down things or aiming
for net zero and we're doingthis, we're doing that.
Our overall economic impact orclimate impact globally is very
minimalistic compared to thoseof China and stuff that are
doing things.
So we need to find a balancethere.
(15:42):
What else have we got Genderclinics of balance there.
Uh, what else have we got?
Gender clinics?
So in 2014, 211 minors and Imean minors is m-i-n-o-i-s, not
um, car minors or whatever werereferred to gender clinics.
So only 211 in 2014 fastforward, 10 years later we're
(16:05):
averaging over 2 000 per year,so 10 times multiplier of minors
under 18s getting referred togender clinics.
Queensland alone has 547 activecases right now and over 490
waitlisted.
Which then takes me on to mentalhealth again.
We've had an absolute collapsein mental health.
(16:27):
One in five Aussies now are onantidepressants.
We actually have the highest inthe OECD.
Now you're probably wonderingwhat the heck is the OECD?
The OECD, simply put, is about36 countries in the world.
You've got Australia, austria,belgium, canada, chile, denmark,
germany, usa, greece, japan,mexico, new Zealand, a bunch of
(16:50):
other ones, but you've got about36 countries in it and we have
the highest antidepressant rateout of all of those countries.
Ssri in youth has doubled.
You're probably wondering whatis that?
As well, that's selectiveserotonin reuptake inhibitors.
They're ultimately probably oneof the most pointless
(17:13):
medications I've ever read about, seen, studied.
And while that's happened,while we've doubled that,
suicide is still on the rise.
As I said, 75% of suicides inAustralia are male, and suicide
is the number one death causefor men under 45.
So if all these medications aregetting more and they're doing
the right thing, then how issuicide on the rise?
(17:36):
There's a clear issue therethat needs to be tackled and
there's no point trying to offera little, you know, a Band-Aid
fix to a problem once it'salready there.
We're better off preventing theproblem.
Which brings me on to anothermajor issue, and this links
directly and correlates directlywith mental health, because it
(17:57):
actually has a directcorrelation to mental health,
and that's nutrient deficiency.
Now you're probably out therewondering yeah, there's nutrient
deficiencies and stuff likethat.
How does it correlate to mentalhealth?
There's a bunch of differentways.
For example, differentnutrients help create serotonin
and dopamine and you've got togo through all these processes
and methylation and so on.
(18:17):
And you've got to go throughall these processes and
methylation and so on, but we'lltackle that in a later episode
as well.
Ultimately, soil minerals aredown about 50% since 1950.
So in 1950, if you were eatingspinach, for example, then you
would be getting double thenutrients you're getting now
Vitamin D, magnesium, zinc onaverage, they're all below
(18:38):
recommended levels.
We're overfed, we'reundernourished and that needs to
change.
People need to get back onwhole food diets.
We need to get back into noteating as much processed things,
stripping out sugar, gettingrid of enriched foods good old
enrichment or fortified foods.
Decline of marriage is anotherone.
So marriage rates have droppedover 30% since 2000.
(19:00):
30% and now what we're doing iswe're glorifying hookup culture
and independence, but we hidethe actual cost of it, like
broken families and emotionalburnout.
Again, broken families withouta dad 85% of youth offenders
were raised in a fatherless home.
So if we're having a decline ofmarriage and men are stepping
out of relationships or womenare pushing men out of
(19:23):
relationships whichever of thetwo it is, I'm not saying which
one we're bringing up an issueand we'll discuss the issue
later, but that's contributingto the problem.
Now, when we're talking aboutglorifying hookup culture and
we're talking about a bunch ofdifferent things around that,
like, for example, instagram andTikTok and that, and
sexualization, onlyfans, thecreation of all of these
(19:47):
industries and ultimately, pornand that kind of thing, what
changes have we had on that inthe last few years?
So, porn, tiktok, dopamine,addiction they're higher than
ever and we'll go intostatistics and a breakdown later
on in another episode.
But there's no discipline beingtaught.
(20:07):
Boys are lost, girls areanxious.
Everything you see on theinternet now is sexualized, even
like Netflix shows and stuffthat are coming out.
They're bringing things in at avery young age where they're
giving some kind of sexualannotation on things.
Like you know that adolescenceshow for those of you who
(20:30):
watched it on Netflix, it was amajor debate sparker and it's
centered around a 13-year-oldwho kills a classmate female and
the reason he does it isbecause he's getting bullied and
called an incel because he'snot sexually active.
He's 13.
Why are we focusing it's?
It's not a documentary,contrary to popular belief.
Some people uh think it was adocumentary.
(20:51):
It's not, um, why, why are wemaking shows about 13 year olds
killing girls because they'renot having sexual intercourse
and they're getting bulliedabout it?
It's just absurd.
They're normalising that andsort of they're doing it too
young.
I don't know why there's asexual annotation around a
13-year-old and it's reallymind-boggling to me.
But we'll move on from that andtalk about that at a later
(21:14):
stage as well.
Parental rights stateintervention Schools can
encourage gender changes nowwithout parental involvement.
Hormonal treatment for minorsis approved faster than some
surgeries for cancer patientsand that's legitimate.
There's studies done into that,the specific case examples
which we can provide.
And yet we're actually testingpeople how to drive.
(21:35):
You've got to apply for alicense to drive a car, but you
don't have to do anything toraise kids.
I could rewind the clock 15years and go impregnate someone
and have a kid if I wanted to,and there's nothing to prevent
that.
I think there needs to be somekind of logic going on and we
need to find an equilibriumVictimhood culture.
(21:57):
We reward outrage and identityover logic and contribution.
Everyone wants to be offendedin today's world and no one
wants to be responsible.
Realistically is being offendeda huge issue.
Do we have the right to offend?
Demonization of wealth isoccurring.
Building success now is labeledhaving privilege, in Australia
(22:20):
especially.
I've traveled around the world afair bit.
I've met people and donebusiness with people all around
the world and the maindifference I noticed between
Australia and every othercountry, regardless of what
country it is, is people hatethe rich in Australia, they hate
people who have success andthey hate people who are doing
well.
There's a real negative tallpoppy syndrome in australia and
(22:43):
it should be the opposite.
Um, and that's all until theywant handouts from those who are
doing well.
But ultimately you, if you goto america and you, you try to
start doing something, thegeneral sentiment around it is
very positive and it's like okay, yay, like congratulations,
well done, and you get support.
It might be a bit likeoutlandish and a bit extreme
(23:05):
support, but in Australia ifyou're doing something, it's
more I wouldn't say bullyingbecause personal opinion, but
it's more like a negativeannotation around them and you
might make jokes with them andbe like oh yeah, you know you're
going and doing this or you'redoing that.
Ha ha, ha, ha.
Um, but yeah, australia hasreally bad tall poppy syndrome
and I think we need to be awareof that as we move forward as
(23:26):
well, and we need to change thatculture.
There's war on traditions now,so christmas has been rebranded,
australia day is contested andthey're trying to change the
date every single year, andAnzac Day is censored now as
well.
What we're doing is we'reultimately erasing the roots
that held the country togetherfor so long and we need to find
(23:47):
a way to bring it all back andget everyone back in there, make
it inclusive.
None of these days are toexclude anyone.
None of these days are out hereto make people feel like
they're not involved in anything.
It's a day where we celebratethings and we bring everyone
together and it's just everyonecelebrating something Like Anzac
Day, celebrating the fact thatwe have a right to life now due
(24:11):
to those before us who madesacrifices that enable us to
ultimately be here today andhave the security and safety and
comfort that we have.
Why are we not celebrating thatmore?
You know, why do they get oneday and other things out?
There are getting a whole lotmore time for recognition.
You know we give Mother's Dayand Father's Day the same amount
(24:33):
of time as we give ANZACs, notsaying that mothers and fathers
don't deserve it, but that'sjust one example.
And then you've gotInternational Women's Day,
international Men's Day, againAnzac Day, I would argue, more
important than all four of them.
And then you've got Pride Monththe whole month.
Then you move on to freedom ofspeech, cancel culture.
So you say the wrong word, youlose your job.
(24:54):
You say the wrong thing, youlose your job.
You make the wrong joke, youlose your job.
Offence is now treated likeviolence.
In fact, it's arguably treatedworse than violence in a lot of
cases.
Australia is not as bad for itas other countries like the UK
yet, but we're headed there andit's not good.
(25:14):
Truth being censored is notpolitically safe and everyone
should have the right to maketheir own opinions and comments
and stuff like that.
I don't think that offendingsomeone is the worst thing in
the world and, ultimately, ifyou're going to have debates,
you're going to have discussionsabout things.
People will be offended eitherway, but it should just be about
talking through it and figuringout okay, well, this is your
(25:35):
opinion and here's why this ismine and here's why's right and
wrong.
Where's in between?
A health care system in terms oflike abuse and obesity is at an
extremely alarming level.
So two in three adults now inaustralia are overweight two in
(25:57):
three.
And we're out here instead ofsaying all right, well, you're
overweight, you know, let'slet's do something about it and
encouraging sports orencouraging diet or whatever.
Instead we're going just loveyourself, you know, your body is
your body, and we're avoidingthe hard truths about health.
Like I'm not out here sayingyou need to go and bully
everyone who's slightlyoverweight or anything, but
we're in a position now wherewe're completely aware of the
(26:20):
risk of cardiovascular diseaseand health issues from being
overweight and obese.
Why are we out here saying, oh,just love yourself and don't
worry about it, when you know ifit's my family, for example, or
my friends, I'm going to beletting them know and I actively
do it and I just say, look, youknow something needs to change.
(26:41):
You know, if you're going downthis path, you know let's go
kick a ball or something, let'sgo to the gym.
You know we'll cook up a feedtonight or something and get
some steak because it's theirhealth.
If I care about them, I'm goingto have that input in their
life and be that positiveinfluence.
We health.
(27:05):
If I care about them, I'm goingto have that input in their
life and be that positiveinfluence.
We'll circle back to that aswell in a future episode.
Um, welfare dependency.
So there's multi-generationalreliance and it's it's so
pointless.
Um, there's no incentive tobuild, improve or exit the
system.
Because if you're just sittingthere getting given stuff your
whole life, why are you going tobother improving?
There's no need youth detentioncenters.
They're soft kids.
Just keep re-offending.
Juvenile crimes going up.
They get caught, they getreleased, repeat and there's no
consequence.
(27:26):
School disciplines collapsed.
Teachers are quitting in droves, students are disrespectful,
parents are entitled andclassrooms are absolute chaos.
The part of that is to do withthe learning structure now, for
example, being now non-linear,and movement and sports and
stuff is being sort of phasedout of school.
(27:49):
So men or boys will naturallyfind it harder to sit still and
write things, emot, emotivepieces about you know someone
walking to the shop and the sunwas up and the grass was green
and it made them feel upsetabout this or that or the other.
Boys are going to struggle withthat 90% of the time and then
(28:09):
that's going to lead to morechaos.
For example, myself in school,anything like that I wouldn't
bother.
I was like no, boring, don'tcare, I'm going to have fun, and
I'd disrupt the class.
There's been a birth ratecollapse, so australia's birth
rate in 2023 hit a record low.
(28:29):
There's just 1.5 babies perwoman.
So if you've got a woman and aman, that's two people,
obviously, and they'rereproducing 1.5.
So for the two of them thatpass away, there's only 1.5.
So for the two of them thatpass away, there's only 1.5 to
replace them, which leads to thepopulation going down.
We need 2.1 as a birth rate toeven sustain the population, and
that's assuming that each womanis with one man.
In today's world, with marriagedeclining, you end up having
(28:53):
women having maybe two or threemarriages, or three or four
partners, and so on.
Maybe two or three marriages orthree or four partners, and so
on Not all the time, but quiteoften.
So if that woman is having twoor three different partners
long-term partners, I'm talkingand still only having 1.5 babies
, then that's per four men, forexample, which then showsa
(29:14):
massive decline in thepopulation, long-term without
immigration.
Decline of marriage, cost ofliving, cultural pessimism it's
all driving it.
Again, we're not here to tacklethe issues today.
We're here to raise them, getthings sparked, have a bit of a
think about it and then we'lltackle each issue as we go.
And the final issue that I wantto bring up is wage growth
(29:35):
versus cost of living.
So wages rose 5.7% in 2024, butthe real growth was about 0.3%.
After inflation, since 2020,real wages have actually fallen
close to 7%.
We're working hard.
Australians are working hardfor less.
In the last five years, yourwages have dropped 7%.
(29:56):
Meanwhile, property prices havegone up 30% or more.
So no wonder we're in such ahousing crisis.
No wonder everyone's struggling.
No wonder there's a cost ofliving issue, and financially
the impact is huge.
But as I said, guys, thisepisode is not about solutions.
It's about naming problems,because you can't fix what you
won't even admit is broken.
So in the next episode, whatwe're going to do is we're going
(30:19):
to start laying out realsolutions, one at a time.
We're just going to tackle oneissue, go through it.
Another issue, go through itand I'm going to raise what I
think are solutions.
But the whole point of it is toopen up a discussion, think
about things and just exposedifferent ideas that we might
not have thought of before.
And I'm obviously going to beopen to feedback.
I cop feedback all the time onInstagram, so feel free to let
me know.
I think this is going to be afun series.
(30:41):
It's going to be good to gothrough each issue and we'll
take it from there.
For now, share this around,send it to someone who's tired
of the lies, because silenceisn't neutral.
The longer we wait, the harderit gets to come back.
Share it around, get everyoneinvolved, spark up a bit of
discussion, and we'll tacklethese issues one by one over the
(31:03):
coming weeks or months, and Ilook forward to you guys tuning
in each time.
Ciao, darling.
As always, we hope you enjoyedthe episode and if you did, you
know exactly what needs to bedone.
hit that follow button,subscribe.
Share it to friends, family oreven your coworkers, as sharing
this podcast helps not just us,but everyone in the world to
(31:25):
learn about their finances.
Thank you, dale.
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