The Problem With Housing Affordability: Ravi Sharma

Property expert and investment strategist Ravi Sharma joins James Smith to reveal the problem with the global housing market.

This is no longer just a hurdle for first time buyers; it is a systemic time bomb that is stripping away financial agency and threatening the future of social mobility. The quiet crisis of skyrocketing prices is not an accident of the market, but the result of a rigged system that prioritizes corporate incentives over human survival.

Ravi Sharma's YouTube Channel: https://www.youtube.com/c/PersonalFinancewithRaviSharma

We cover:

⬛ Why Housing Affordability is a Global Crisis

⬛ Property, Pensions and the Rigged System

⬛ The Truth About Mortgages and Wealth Building

⬛ Renting for Freedom vs Buying for Status

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0:00 Housing Market Reality Check

0:36 Housing Affordability: A Persistent Challenge

1:56 Personal Journey in Property and Renting

7:06 Landlord Perspectives and Property Investment

12:05 Mortgage Strategies and Wealth Building

19:16 Overcoming Financial Anxiety and Fear

23:11 Property vs. Other Investment Options

28:04 Challenging Traditional Financial Advice

34:01 Leveraging Offset Mortgages Strategically

40:24 Emotional vs. Rational Property Decisions

45:05 Property Investment Process Explained

49:52 Breaking Free from Emotional Financial Traps

54:35 Ethical Considerations of Property Investment

59:36 Advice for Younger Generations

1:02:24 Renting as a Path to Personal Freedom

1:07:54 Financial Decisions and Life Constraints

1:10:16 Investment Strategies for Different Scenarios

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