Luke Kemeys

Can I maintain my lifestyle?

And will I be okay for retirement?

But hypothetically, if you don't have to worry as much about the size of the mortgage that you're taking on, Australia is probably a bad example there because their house prices are still overinflated as well.

But you don't have to worry about your retirement.

You've kind of removed two of the three issues, right?

Let's break that down a little bit more because the concept of why would I buy a house?

I think a lot of Kiwis would understand why wouldn't you buy a house?

So what makes the Swiss so different?

And actually probably a few countries within Europe where they're going, the math doesn't stack to buy a home.

Yeah, I think the point around house prices should only move if incomes moves makes a lot of sense, which comes back to why income's not moving.

Luke, we talk about a productivity problem that gets thrown around a lot.

Can you define for me, what does a productivity problem mean and why is it an issue?

I also think sometimes people get offended by the term going like productivity means you're not working hard enough, like the individual.

And people are like, what are you talking about, man?

I work really hard.

And it's like, no, no, no.

For the work that you put in, you're not getting appropriately compensated compared to if you're in another part of the world, which is why people move overseas.

It's quite interesting.

So Simon, you've sold two businesses for north of $10 million.

In terms of those circles of peers and those sort of things, how do those conversations go for you?