If this won’t frighten you, I’m not sure what will.
Australian property prices and the M3 money supply are 100% correlated.
More money in circulation → Higher prices.
The alarming part? Wages.
A Snapshot Through Time: Property-to-Income Ratios
- 1970: 1.10×
- 1980: 2.23×
- 1990: 2.98×
- 2000: 3.35×
- 2010: 5.90×
- 2020: 9.89×
- 2025: 9.98×
That 2025 figure should ring alarm bells, we are now at the same level as Japan before its 1990 housing crash. Japan’s housing market started to crumbled at 10x, and evidence in some areas of 15x!
We are also above the U.S. Global Financial Crisis ratios (which were 6–10× in bubble markets), and far above the Great Depression’s 6–7×.
Historically, housing collapses happen when ratios push above 6–8×. Once they cross 9×, history shows it’s only a matter of when, not if, the market corrects.
1970: A Different World
A single-income family could buy a home and spend around 30% of income servicing the debt.
Mothers could stay home, raise children, and make a home of their house.
2025: The Debt Trap
👉 Both parents work, often with overtime.
👉 50–60% of income goes straight to debt.
👉 Grandparents are still working, holding two or three investment properties, often with outgoings bigger than their income.
👉 Kids spend their days in childcare, raised by strangers, subsidised by taxes.
👉 Families get home at 6PM exhausted, takeaway replaces cooking.
👉 Nutrition declines, health declines.
The Bigger System Problem
- 50% of the workforce is government-funded → printing money will continue. Read the AFR post here: https://www.afr.com/policy/economy/culture-of-dependency-lifts-spending-to-highest-level-since-wwii-20250722-p5mgu0
- 80-100+ taxes hammer small businesses. Here is a list
- Risk is pushed onto small operators, with little reward.
- The population flexes on property holdings but hides the crushing debt behind them.
(Chart: Australian Wage Growth vs Property vs M3 Money Supply Since 1970)
The Incentive Problem
There’s little real advice on Bitcoin in Australia. Instead, with over 20,000 “shitcoins” (altcoin cryptocurrencies) floating around, many Australians are getting burned by altcoins that leave them with a bad taste in their mouths. The lack of education means people are more likely to gamble on a coin that does absolutely nothing, just to try for a quick gain.
Why are those quick gains so tempting? Because we’re creatures of habit. In Australia, a culture of sports betting, casinos, and pokie machines is deeply ingrained in our communities. Add to that unaffordable housing, and the “Australian dream” is slipping out of reach. For many, chasing fast gains feels like the only way to catch up to the property market before it’s too late.
Australian Finance is highly regulated and many advisers either can’t advise on Bitcoin, or just want to stay away from it. Why would they anyway?
- Bitcoin means volatility calls every fortnight.
- Property doubles every 10 years as the money supply doubles.
- Once customers max their borrowing, the advisor’s job is done.
No ongoing headaches, no complex explanations.
It’s far easier to keep the dream alive.
But What If…
If advisors taught Bitcoin, people would start asking the real questions:
Why aren’t we holding a decentralized, incorruptible, portable, digital gold?
I’ve stopped orange-pilling verbally.
I post charts like this and wait for the questions to come in. We’re here to help—and many Bitcoiners are more than happy to assist if it feels daunting.
Above outlined a family where parents work overtime, don’t see their kids, pay for childcare, stop cooking fresh food. We were that family. We won’t be again thanks to Bitcoin.
Final Thoughts – A way forward
- Property prices have continued to soar because it’s seen as the safest way to store wealth.
- Historically, nothing besides gold and index funds has matched property’s consistent gains.
- Houses should be homes, not the nation’s primary investment vehicle.
- A prosperous country should invest in entrepreneurship, technology, innovation, small business, and education, not just property speculation.
- Bitcoin is money that grows in value over time due to its scarcity and real-world use case. By storing your wealth in Bitcoin and letting it grow, you can fund your dreams, start a business, back your ideas, or simply support your family.
- With a better store of wealth available, property prices could fall and become affordable. Why lock your money in bricks and mortar with high holding costs when Bitcoin is portable and recognised globally? One Bitcoin in Australia buys you the same as in the US, Canada, or Asia.
- On a Bitcoin standard, Australian property gets cheaper.
- Chasing fast “casino-style” gains? Just stick with Bitcoin. Over the last 1, 5, and 10 years, it has averaged a compound growth rate of over 60%. Isn’t that enough?
- The biggest rewards will go to those who are consistent, disciplined, live below their means, and save in Bitcoin.
- Give it 10 years, and if Bitcoin history repeats, you could live on a single wage, raise a family, and reclaim your role as the parent, guardian, and teacher.
Bitcoin is not just an investment, it’s a revolution so early in it’s timeline, that we are only 4 halving’s into a 32 halving schedule.
It’s permissionless, deflationary, borderless, and open 24/7.
If the dream is time freedom, debt freedom, and financial sovereignty,
Bitcoin is the vehicle with the highest historical probability of getting you there.
Start with 10%.
Stack consistently.
Watch the compound effect take over.
At BTCCLUB, we love questions like this, they push us to think deeper and create frameworks that help people see Bitcoin not just as a price, but as a protocol.
If you would like more information on how we dollar-cost averaging and which Bitcoin exchange we use, download this free one-page setup guide: Click Here to Download Free
Here are the Australian Bitcoin exchanges we use:
AmberApp – Join with code BTCCLUB to get $10 of free Bitcoin with your first $100 deposit.
Hardblock – https://www.hardblock.com.au/join/btcclub
Bitaroo – https://www.bitaroo.com.au/
Every blog we write is designed to be your Bitcoin arsenal. If a mate says Bitcoin is a Ponzi, or real estate is the only retirement plan, send them to our case studies covering real experiences in real estate, stocks, ETF, gold, business and more, about why Bitcoin is the true winner.
We do this because we believe in Bitcoin-only adoption for Australia. No crypto, no casino coins — just Bitcoin.
If this content helps you or you want to support our mission, here’s how:
- Share this blog. Spread the word.
- Support via Value4Value. If this helped you, support value4value by becoming a BTCCLUB member and donate what suits you, or join for free. santoshi@walletofsatoshi.com or become a member.
The Bitcoin future is earned block by block. Make yours count.
Peace and Love. Thank you, Satoshi Nakamoto.
