Rakesh Devadas

03/09/2026

Australia $1 Trillion കടം തിരിച്ചടയ്ക്കുന്നില്ല. എന്തുകൊണ്ട്?

Australia $1 trillion kadam thirichadaykkunnilla. Oru rupa pole.
Enthukondennu ariyamo? 👇

The number: $1.05 trillion. That's 34% of the whole economy. Interest alone is about $19.9 billion a year.

And there's no repayment plan. None.

Every bond gets paid on its due date — but a new one is issued to cover it. The debt gets rolled forward, never cleared. Athu failure alla. Athaanu strategy.

Ipppol ee randu number nokku:

2021 — $817 billion of debt. 37% of the economy.
2026 — $1.05 trillion of debt. 34% of the economy.

The debt grew by $234 billion. The burden got SMALLER.

Kadam koodi. Pakshe economy athinekkal vegam koodi. Athaanu game.

So if you're lying awake tonight thinking about your loan — you're worrying about the wrong number.

Balance ethra ennathalla chodyam. Aa paisa enthu vaangi ennathaanu.

Ithu onnu cheythu nokku. Ningalude ella loan-um edukku. Orennathinodum oru chodyam mathram chodikku:

"Ithu valarumo? Alle vellam vaangumo?"

Valarunna sadhanam — investment property, shares, business, education that raised your income.
Vellam vaangunna sadhanam — car loan, personal loan, credit card, buy now pay later.

Randu list aakku. Anchu minute mathi.

First list valuthaanenkil ningal kuzhappathilalla. Ningal leveraged aanu. Randum onnalla.

Second list valuthaanenkil — athu thanne ningalude first target. Puthiya onnum edukkunnathinu munp athu theerkkanam.

Pakshe njaan oru kaaryam sradhikkanam ennu parayum.

Government-inu sonthamayi currency undakkaam, tax koottaam, athu onnum retire aavunnilla. Ningalkku athonnum pattilla. Ningalude income ninnaal, alle rate koodiyaal, aarum ningalude loan roll cheyyilla. Bank paisa chodikkum.

So take the principle, not the leverage. "Buy things that grow" — not "borrow like a government."

Australia aa trillion-inte ella rupayum publish cheyyunnu, ella varshavum, Budget papers-il. Aarkkum nokkaam.

Ningalude kadam aara track cheyyunnathu?

Ee randu list ezhuthiyittu parayu — ethaanu valuthu? Comment-il 👇

(Loan tension-il irikkunna oru friend undengil ee post share cheyyu. Ithu avarude urakkam thirichu kodukkum.)

02/09/2026

01/09/2026

53% of your take-home. Every month. For 30 years. Still feels like a win?

$150,000 gross income.
Bank approves $800,000 at 6.2%.

Take-home: about $9,200/month.
Repayment: about $4,900/month.

That's 53% of everything you earn. Gone. Every month. For 30 years.

Ithu "tight" alla. Ithu mortgage stress aanu. And it means every other decision in your life gets made by the loan:

No buffer if the rate moves — three hikes this year already proved that's not theoretical.
No investing, so your only asset is the house you're struggling to hold.
No room if one income stops. A job change. A baby. A parent needing care back home.

You own the house. But the house owns your calendar.

So here's the split I use instead — 30/30/20/20:

30% Mortgage — $2,760/month, a loan closer to $450,000
30% Living — groceries, bills, childcare, school fees, and money sent home
20% Savings — the buffer you can reach tomorrow
20% Investing — the money you don't touch for ten years

Savings and investing are not the same bucket. One is for emergencies, one is for freedom. Randum venam.

And yes — borrowing $450k instead of $800k means a bigger deposit, a smaller place, or a longer wait. Njaan athu maraykkunnilla. That's a real cost.

But there's a difference between waiting two more years and being stuck for thirty.

This is a rule I use, not a law. A couple on two incomes sits differently to a single parent on the same $150k.

Ningalude mortgage take-home-inte ethra percentage aanu? Onnu kanakkakku nokku. Comment-il number ittal mathi 👇

(Ee post oru friend-inu upakaarapedum ennu thonnunnengil share cheyyu.)

28/08/2026

The property market isn’t “crashing” the same way everywhere — and the number that matters is the one attached to your name, not the headline. 📊

ANZ’s newest forecast, released 11 August 2026, has Sydney falling 14.5% peak-to-trough (about $236,000 off its January median), Melbourne down 12.8%, Adelaide 9.8%, Brisbane 7.9%, and Perth the most resilient at 5.2%. Every capital is forecast to fall — just by very different amounts, which the “market is crashing” headlines rarely mention.

The number that should actually get your attention: Canstar’s modelling shows a Sydney buyer who purchased at January’s peak with a 5% deposit could be sitting in negative equity by mid-2027 — owing an estimated $128,000 more than their home is worth, even after 17 months of standard repayments. A 20% deposit buyer comes through the same scenario still in positive equity.

This isn’t about panic — ANZ expects a recovery once the RBA starts cutting rates in late 2027. It’s about knowing where you actually stand.

Sources: ANZ Research (11 Aug 2026), Canstar.com.au, Cotality Home Value Index, RBA.

Know your numbers. Let’s learn and grow, together. Happy Investing 🏡

FirstHomeBuyer AustralianEconomy BuyersAgent

28/08/2026

Drive With Us on the Roads and Invest in Australian Real Estate

Exploring Australian real estate one LGA at a time

Episode 2: So… what even is an LGA? And what is Casey?

Every property conversation in Australia eventually lands on this word. Here’s the plain version 👇

🏛️ LGA = Local Government Area. Australia has three tiers of government — federal, state, and local. The local tier is your council, and the patch of land it governs is an LGA. Victoria has 79 of them.

🧭 Why investors care: the council sets rates, approves permits, zones the land, and decides where new housing can and can’t go. Two suburbs five minutes apart can behave completely differently because of what their council allows. Suburb names tell you the postcode. The LGA tells you the rules.

📍 So what is Casey? The City of Casey is Victoria’s most populous council — around 429,000 people, forecast to reach roughly 614,000 by 2046. That’s another 185,000 residents arriving.

📐 409 sqkm, sitting 28–60km south-east of the CBD. Council seat: Narre Warren.

👶 Median age 34, against 37 for Greater Melbourne. A young family corridor, not a downsizer market.

🏘️ Inside one LGA you’ll find Berwick, Narre Warren South, Cranbourne East, Clyde North, Botanic Ridge, Hampton Park, Endeavour Hills and more — established pockets with no land left sitting next to estates still releasing stages.

That last point is the whole game. One council, very different outcomes. We get into which is which as the series goes on.

Which LGA should we drive next? 👇

Book a discovery call if you’d like to chat about investment property or property finance — link’s in the profile.

Direction & Camera:

Cranbourne NarreWarren MelbourneProperty

28/08/2026

A Prime Minister posts “the housing crisis has improved.” As a property guy, that timing didn’t sit right with me — so I looked into it. 👇

This isn’t about left vs right. It’s about learning to read why you’re being told something, and when.

Don’t consume content because of who posted it. Consume it because it’s genuine, transparent, and credible. Otherwise, you’re not the audience — you’re the product.

Happy investing. 🏡

28/08/2026

Nobody is looking at you in that car. They’re imagining themselves in it.

Morgan Housel called it the Man in the Car Paradox. You buy the watch, the car, the labels — hoping for respect. But the person who sees you doesn’t admire you. They picture themselves in your place. You paid for the admiration. They kept it.

Most migrants follow the same script: job, house, car, brands. Chasing proof we made it.

The stuff that actually earns respect can’t be bought — skills, clear thinking, solving real problems for real people. Nobody daydreams about borrowing those.

Buy nice things. Just buy them because you want them, not because you’re renting approval from people who aren’t watching.

Happy growing.

28/08/2026

I usually wait until something’s actually working before I say anything about it publicly. Not really one for announcements before there’s substance behind them.

But I wanted to share something anyway!

I recently took on the Directorship at KBPCA.

— a non for profit Chamber built to connect Kerala and Australia, for businesses and professionals on both sides. A small group of us, all pulled in by the same thing: we think this connection deserves a real platform, and right now it doesn’t have one.

People currently connect through community groups, cultural circles, WhatsApp threads — and that works, a little. But it’s not built for business. It was never meant to carry that weight, and it shows.

We’re trying to build something for that gap. It’s early.

The foundation is in place and there’s real work happening behind the scenes, but I’m not going to oversell what isn’t built yet.

This is an attempt, not a guarantee — we might get it right, we might not. It just felt like something worth attempting properly, and worth saying out loud.

If you’re a business or professional with any connection to Kerala or Australia — wherever you’re based — reach out. Let’s keep the conversation going while we build this.

More soon!