Mailbag Extra: incl. The million-dollar question. December 26, 2021

-- Invest $1m now... or over time? -- A property warning from a listener -- What's going on with variable interest rates? -- I've lost a year's return in 3 weeks -- So. Much. Volatility. -- Cash? Or Shares? For a house deposit. -- What if I can use leverage safely? See omnystudio.com/listener for privacy information.