rba warns fhb's this is not time to buy, page-79

Forged obviously it threatens your beliefs that property is key to wealth, it used to be and I was its biggest fan, but its now at a critical point where the returns are ordinary despite having everything, including emergency rates, thrown at it to keep it breathing.

You don't make money without reading the play, its too late once the penny drops. You have to be ahead of the game, and its over.