In this episode James Kirby and adviser Stuart Wemyss take a break from reporting on what the ALP says it won't do and concentrate on what needs to be done - in a word they have to broaden the tax base by lifting GST. Also for discussion the problem with the FIRE-Early Retire movement, will gold ever come back as a hedge against trouble? Borrowing to buy shares and a second look at Cathie Wood and her ARK Fund.