When people talk about inflation, they often focus on the official rate. But what matters more is how it affects your specific expenses and goals.

Take housing costs — they've risen faster than general inflation in most Australian cities. If you're saving for a house deposit, the official inflation rate doesn't tell you much about how your purchasing power is changing.

That's why we focus on practical impact rather than economic theory. Our approach looks at your actual expenses, your timeline, and realistic strategies that work with Australia's current economic environment.

The key insight from our research? People who understood their personal inflation rate — not the general rate — made better financial decisions and felt more confident about their choices.