Demographics Decoded - Unveiling the trends shaping your future

• The Retirement Wealth Divide: Winners and Losers in Old Age

  In this episode of Demographics Decoded, Simon Kuestenmacher and Michael Yardney discuss the changing landscape of retirement in Australia, focusing on the widening wealth gap between homeowners and renters.   For generations, Australians assumed they'd retire in their own home. It was the cornerstone of our national dream.   But new evidence from the HILDA survey shows that the dream is slipping away — and with it, the safety net for a secure retirement.   Today, two in three retirees who rent privately are living in poverty. And the wealth gap between homeowners and renters in retirement is only widening.     Takeaways    ·         Two in three retirees who rent privately are living in poverty. ·         The wealth gap between homeowners and renters is widening. ·         Homeownership is crucial for avoiding poverty in old age. ·         Superannuation alone is not enough for a secure retirement. ·         Government policies need to adapt to the changing demographics. ·         Intergenerational wealth transfer plays a significant role in homeownership. ·         Rent assistance is insufficient to cover rising housing costs. ·         The current housing market is increasingly unaffordable for younger generations. ·         Innovative ownership models could help address housing issues. ·         The government must increase social and affordable housing stock.   Chapters    01:47 - What the HILDA Survey Reveals About Retirement Inequality  04:33 - Why Owning a Home Is the Best Insurance Against Poverty  07:24 - How Migration and Intergenerational Wealth Shape Housing Gaps  10:42 - The Future of Homeownership and Government Policy Failures  15:37 - The Bank of Mum and Dad: Early Inheritance and the New Divide     About Simon Kuestenmacher   Simon Kuestenmacher  is co-founder and Director – The Demographics Group   Simon is a prolific media commentator on demographic and data matters and a columnist for The New Daily and The Australian newspapers.     He ranks as one of the world's Top 10 influencers in data visualisation. If you can't get enough of the kind of data that explains how the world works, make sure to follow Simon on Linked In or X (formerly Twitter) or any of his other social channels.   Click here for a media enquiry or if you would like to book Simon Kuestenmacher for a speaking engagement. His presentations and quirky observations are enjoyed by audiences from the financial services, property, government, education, technology, retail and professional services industries, among others.     About Michael Yardney   Michael Yardney - founder Metropole Property Strategists has been voted one of Australia's 50 most influential Thought Leaders     While he is best known as a property expert, Michael is also Australia's leading expert in the psychology of success and wealth creation.   Michael is a #1 best selling author of 9 books and frequently challenges traditional finance advice with innovative ideas on property investment, personal finance and wealth creation.   Follow Michael on Linked In or Instagram     Are you interested in property investment - let the team at Metropole build you a Strategic Property Plan to help give you clarity, direction and wealth - producing results.

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• The Everyday Things About to Disappear From Our Lives in the Next Few Decades

  Picture this: you take your kids to a museum in 2045, and instead of dinosaurs and ancient artefacts, they're staring at remote controls, plastic packaging, and wheelchairs.   They ask, 'Did you really use these every day?'   In this episode Simon Kuestenmacher and Michael Yardney explore the technologies, jobs, and habits that will vanish from our lives - sooner than you might think.   We delve into the implications of these changes on daily life, the economy, and the environment, providing insights into what the future may hold for generations to come.     Takeaways    ·         In 20 years, people may question our reliance on cars. ·         The traditional 9-to-5 workweek is likely to disappear. ·         Family structures will become smaller and more diverse. ·         Aged care will need to adapt to an aging population. ·         Self-driving cars will become the norm, reducing the need for ownership. ·         Retail will shift towards online and automated services. ·         Healthcare will leverage technology for better diagnostics and care. ·         Education systems will need to adapt to new learning methods. ·         Political structures may evolve towards more algorithmic governance. ·         The internet will require users to be more media savvy.   Chapters    01:44 - The Everyday Items Vanishing from Modern Life  04:25 - How Technology Quietly Replaces Old Habits  07:33 - The Disappearing Professions and What Comes Next  12:06 - Cash, Keys and the End of Tangible Convenience  17:58 - What Future Generations Will Never Experience      About Simon Kuestenmacher   Simon Kuestenmacher  is co-founder and Director – The Demographics Group   Simon is a prolific media commentator on demographic and data matters and a columnist for The New Daily and The Australian newspapers.     He ranks as one of the world's Top 10 influencers in data visualisation. If you can't get enough of the kind of data that explains how the world works, make sure to follow Simon on Linked In or X (formerly Twitter) or any of his other social channels.   Click here for a media enquiry or if you would like to book Simon Kuestenmacher for a speaking engagement. His presentations and quirky observations are enjoyed by audiences from the financial services, property, government, education, technology, retail and professional services industries, among others.     About Michael Yardney   Michael Yardney - founder Metropole Property Strategists has been voted one of Australia's 50 most influential Thought Leaders.     While he is best known as a property expert, Michael is also Australia's leading expert in the psychology of success and wealth creation.   Michael is a #1 best selling author of 9 books and frequently challenges traditional finance advice with innovative ideas on property investment, personal finance and wealth creation.   Follow Michael on Linked In or Instagram     Are you interested in property investment - let the team at Metropole build you a Strategic Property Plan to help give you clarity, direction and wealth - producing results.   Our discussion today was inspired by this blog by Steve Samartino https://stevesammartino.substack.com/p/whats-in-the-museum-of-the-future

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• The Four-Day Workweek - Gen X's Dirty Little Fantasy?

  What if we could all work just four days a week with no pay cut  and still get the same results?   It sounds like a fantasy, but carefully monitored trials across the globe show that it's not only possible, but in many cases, productivity actually goes up. Stress levels fall, staff turnover drops, and companies become more efficient.   But is this a workplace revolution Australia can afford? Or just wishful thinking?   In this episode, Simon Kuestenmacher and Michael Yardney explore the concept of a four-day work week, discussing its feasibility, benefits, and challenges in the Australian context.     We delve into international data supporting the model, the innovative 180-100 approach, and the implications for various industries.     The conversation highlights the potential for improved productivity and employee well-being, while also addressing the scepticism surrounding its implementation in certain sectors.     Takeaways    ·         The four-day work week can lead to increased productivity and reduced stress levels. ·         International trials have shown overwhelmingly positive results for the four-day work week. ·         The 180-100 model offers a framework for balancing pay and productivity. ·         Certain industries may struggle to implement a four-day work week due to operational challenges. ·         The four-day work week can serve as a powerful retention tool for employers. ·         Leadership buy-in is crucial for the success of a four-day work week trial. ·         The model encourages businesses to optimize workflows and reduce waste. ·         Employee well-being is enhanced with a shorter work week, leading to fewer sick days. ·         The four-day work week may not be suitable for all job types, particularly in retail and healthcare. ·         The future of work may see more companies adopting flexible work arrangements.   Chapters    02:02 - Why the Four-Day Workweek Is Gaining Momentum  04:35 - Productivity Myths and the Science of Rest  07:18 - How Shorter Weeks Could Reshape Family and Leisure Time  11:03 - Generational Shifts: What Younger Workers Really Want  15:42 - Can Australia Afford a Four-Day Future?      About Simon Kuestenmacher   Simon Kuestenmacher  is co-founder and Director – The Demographics Group   Simon is a prolific media commentator on demographic and data matters and a columnist for The New Daily and The Australian newspapers.     He ranks as one of the world's Top 10 influencers in data visualisation. If you can't get enough of the kind of data that explains how the world works, make sure to follow Simon on Linked In or X (formerly Twitter) or any of his other social channels.   Click here for a media enquiry or if you would like to book Simon Kuestenmacher for a speaking engagement. His presentations and quirky observations are enjoyed by audiences from the financial services, property, government, education, technology, retail and professional services industries, among others.     About Michael Yardney   Michael Yardney - founder Metropole Property Strategists has been voted one of Australia's 50 most influential Thought Leaders     While he is best known as a property expert, Michael is also Australia's leading expert in the psychology of success and wealth creation.   Michael is a #1 best selling author of 9 books and frequently challenges traditional finance advice with innovative ideas on property investment, personal finance and wealth creation.   Follow Michael on Linked In or Instagram     Are you interested in property investment - let the team at Metropole build you a Strategic Property Plan to help give you clarity, direction and wealth - producing results.

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• Shrink or Surge? Australia's Future in a Demographically Contracting World

  For years, we've worried about the world's population growing too fast, straining resources and cities. But what if I told you the real challenge of the future might not be too many people, but too few? While a lot has been written about Australia's massive population growth in the short term, today we explore what's going to happen to not only Australia's, but the world's population growth over the medium to long term—and unveil a surprising trend. Whether you're a property investor, a business owner, or just curious about what's ahead for  Australia, this should be a fascinating conversation about prosperity, perception, and our future.   Takeaways    ·         The global population is projected to peak and then decline. ·         Fertility rates are falling globally, impacting population growth. ·         Australia relies on migration to maintain its population levels. ·         High living costs and urbanization contribute to lower birth rates. ·         Regional areas face unique challenges due to population changes. ·         Changing family structures will affect social dynamics. ·         A shrinking population may lead to economic shifts. ·         Environmental concerns are tied to population growth and decline. ·         Attracting skilled migrants will be crucial for Australia's future. ·         Long-term planning is essential for adapting to demographic changes.   Chapters    02:15 - Global Population Peak and the Unstoppable Decline in Birth Rates  05:40 - Migration Age Cohorts and Australia's Future Competition for Workers  08:45 - Why Baby Bonuses Don't Work and What Really Drives Fertility  12:10 - Smaller Families, Weaker Kin Networks and the Rise of Friendship Circles  18:50 - AI, Automation and How Australia Can Prosper in a Shrinking World     About Simon Kuestenmacher   Simon Kuestenmacher  is co-founder and Director – The Demographics Group   Simon is a prolific media commentator on demographic and data matters and a columnist for The New Daily and The Australian newspapers.     He ranks as one of the world's Top 10 influencers in data visualisation. If you can't get enough of the kind of data that explains how the world works, make sure to follow Simon on Linked In or X (formerly Twitter) or any of his other social channels.   Click here for a media enquiry or if you would like to book Simon Kuestenmacher for a speaking engagement. His presentations and quirky observations are enjoyed by audiences from the financial services, property, government, education, technology, retail and professional services industries, among others. https://www.tdgp.com.au/enquire     About Michael Yardney   Michael Yardney - founder Metropole Property Strategists has been voted one of Australia's 50 most influential Thought Leaders.     While he is best known as a property expert, Michael is also Australia's leading expert in the psychology of success and wealth creation.   Michael is a #1 best selling author of 9 books and frequently challenges traditional finance advice with innovative ideas on property investment, personal finance and wealth creation.   Follow Michael on Linked In or Instagram Are you interested in property investment - let the team at Metropole build you a Strategic Property Plan to help give you clarity, direction and wealth - producing results.

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• Why Life in Australia Beats Almost Anywhere Else – Despite All Our Problems

  Let's be honest, we Aussies love a good whinge – about the cost of living, traffic, housing, politics, you name it.   But when you take a step back, we still live in one of the most enviable countries on earth. Safe cities, strong economy, stunning natural beauty, and a lifestyle that's the envy of the world.   But is it all sunshine and barbies, or are there cracks forming beneath the surface?   Today we explore what really makes life in Australia so good, how our society has changed, and whether we can keep this lifestyle advantage in the future.   Stick around, because by the end of this conversation you might appreciate Australia just that little bit more – or see it with completely fresh eyes.     So today's discussion will be useful for you as a business owner, an entrepreneur, if you're a property investor.     Takeaways    ·         Australia is often seen as the lucky country due to its safety and prosperity. ·         Critically assessing our society is a sign of a functioning country. ·         Immigration has played a crucial role in shaping Australia's lifestyle and economy. ·         Cultural diversity enriches Australian society, particularly through food. ·         The mining and education sectors are key pillars of Australia's economy. ·         Urbanization is leading to a shift towards a knowledge-based economy. ·         The wealth divide is a growing concern in Australia. ·         Demographic changes impact societal structures and opportunities. ·         A national demographic strategy could help address regional disparities. ·         Despite challenges, Australia remains one of the best places to live.   Chapters    02:26 - Australia's Business Model and Multicultural Success  07:20 - Post-War Migration and How It Shaped Our Lifestyle  13:15 - Mining, Agriculture, Education and Tourism as Pillars of Wealth  18:20 - The Hollowing of the Middle Class and Inequality Risks  27:13 - Housing Affordability, Regional Divide and Demographic Strategy     About Simon Kuestenmacher   Simon Kuestenmacher  is co-founder and Director – The Demographics Group   Simon is a prolific media commentator on demographic and data matters and a columnist for The New Daily and The Australian newspapers.     He ranks as one of the world's Top 10 influencers in data visualisation. If you can't get enough of the kind of data that explains how the world works, make sure to follow Simon on Linked In or X (formerly Twitter) or any of his other social channels.   Click here for a media enquiry or if you would like to book Simon Kuestenmacher for a speaking engagement. His presentations and quirky observations are enjoyed by audiences from the financial services, property, government, education, technology, retail and professional services industries, among others. https://www.tdgp.com.au/enquire     About Michael Yardney   Michael Yardney - founder Metropole Property Strategists has been voted one of Australia's 50 most influential Thought Leaders     While he is best known as a property expert, Michael is also Australia's leading expert in the psychology of success and wealth creation.   Michael is a #1 best selling author of 9 books and frequently challenges traditional finance advice with innovative ideas on property investment, personal finance and wealth creation.   Follow Michael on Linked In or Instagram Are you interested in property investment - let the team at Metropole build you a Strategic Property Plan to help give you clarity, direction and wealth - producing results  

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