Craig

And right now, the family home is exposed.

So we are going to look at that very question with Sam Saad, who has got some great legal advice for you and me to think about and act on.

And it's just...

So, so important because as hard as it is starting a business, it's a whole lot worse if that business fails and the bank swoops in to take you home.

Then you're left with no business and no roof over your family.

And then you know what the third domino effect is.

If you're married, probably divorce.

And that is why it's so important to get right.

Well, yesterday we were talking about the positivity there in Melbourne, but not just in Melbourne.

There have been some great prices paid for property above the reserve price.

Clearance rates are creeping up.

And then yesterday I see that Domain reported the pressure on sellers to drop their price expectation is taking its toll with new data revealing that Brisbane, Darwin, Perth, Melbourne and Sydney homeowners are starting to discount their asking prices at rates they say not seen since 2019.

Domain's data showed that Sydney is feeling it the most today

the average reduction in the asking price of a Sydney house is now at 7.8%.

Now that is higher than any other capital city and has been rising steadily since May.

A discount, now this is how they can do the maths, a discount of 7.8% on the city's median house price of just over $1.5 million would equate to

to just over $125,000 off the asking price.

And sellers are also dropping their prices in Brisbane, with the highest spikes in discounting occurring in areas like the inner city and Sherwood, while in Melbourne it's buyers in Stonington East that are most likely to get a discount.

That's according to yesterday's domain data.

So if you're celebrating your birthday for today, happy birthday.