In this edition of the Ministry of Common Sense on 4BC Mornings, Gary Hardgrave and finance expert Noel Whittaker unpack the devastating fallout of the Reserve Bank’s latest cash rate hike on struggling mortgage holders and renters.

They dissect how surging government spending and crippling red tape are stifling construction, locking pensioners out of the workforce, and eroding the Australian dream despite families working harder than ever.