Sonia

They're going to continue to go up a lot.

We just had an interest rate rise.

So you can bet your ass it's about to go through the roof again.

Yes.

You can bet your ass.

David, let's talk about debt because a mortgage is essentially a debt.

Is it a good debt?

Australia has a terrible snow season.

It's so bad, our snow season.

New Zealand is great.

Australia sucks when it comes to snow, but we'll let you figure that one out.

David, I want to tell you about a friend of mine who is in a lot of debt.

She has been using Afterpay platforms quite significantly, and I was really shocked to find out how much debt she had.

She has multiple debts across different apps, Kalana, Afterpay.

All these apps are buy now, pay later style.

Obviously, she's putting those on her credit card.

She's getting a lot of interest.

She has an overwhelming amount of debt, and she does not know anything

how to get ahead of this, what advice would you give her?

Actually, a lot of people were happy because finally somebody was coming in that was praising