Lucinda Hartley

speaker

349 appearances 1 recordings 1 series first heard Apr 2026 last heard 27 Apr

Lucinda Hartley’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in Apr 2026 with 1.

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Australian Finance Podcast · Why buying your first home feels impossible (and what to do instead) with Lucinda Hartley · 27 Apr 2026 podcast

And so rather than thinking that you're buying your forever home, I like to see life as a series of chapters.

that will continue.

We have this idea that you need to trade up, trade up, trade up.

But because it takes so long to buy a place and then wait for it to increase in value and then buy another, by the time you've traded up to the family home, your kids are probably 17, 18.

They're probably ready to leave again.

And then you're left in the four-bedroom house and they're gone.

Yes.

And I just wonder, like, rather than having this ladder that we're looking towards trading up and trading up, maybe if we think, well, what does my lifestyle look like now?

Because your house is so much more than just your financial investment.

It impacts so many of other areas of your life, your time, your relationships, your work opportunities.

So if you're choosing a house that's right for this season –

where you're working, whether you're travelling, whether you have kids, what kind of work you're doing, choosing a house for that season might look really different than the next season, but that's okay because you can move.

Yes.

And you can look at housing as that series of chapters rather than a ladder where you always have to be bigger and better than the last one.

I would say that we need a totally different framework, which is why in the book I say that rather than focusing on affordable housing, we need to focus on affordable living.

And I would say the fuel crisis that we're in right now is a great example of that.

So you might have made a choice in order to get the sized home that you want, the freestanding house, you've decided to move an hour away, an hour's commute away.

But perhaps what you hadn't factored is that you need a second car that costs an average of $12,000 to $18,000 a year to have an extra car in and running costs, according to RACQ.

You've got extra fuel costs, which might have been manageable, but now you're vulnerable to a fuel price increase.

And so now, even though your house was cheaper with the sticker price, you've added all this other costs.

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