The big banks have jumped the gun, putting through hefty cuts on deposit rates before the RBA has even conceded that official rates can move lower.Money markets dictate money prices: If they are right, the rate cut you have been expecting is just around the corner.

AMP economist Diana Mousina joins wealth editor James Kirby.

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In today's show, we cover 

• Rates finally drop - but not for borrowers
• * Why are my council rates rising if prices are flat? 
• * Can childcare stocks ever be viable for retail investors? 
• * The FIRE movement returns fire