In this special early edition of the Money Café, Alan Kohler and James Thomson, Chanticleer columnist at the Australian Financial Review, take a clinical look at the first Albanese budget, what wasn’t really tackled, what needed to be and whether endless deficits might be the future. Also: are interest rates going higher? Another $20 bet is on. Questions coming in from the farm to Europe: Dawn on redemptions in super funds; Alex on Aussie ETFs vs international ETFs. And: switching and locking in losses, bank hybrids and US inflation.

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