She really is pretty intelligent about this stuff... but also seems mentally ill. 

We’re intelligent people and I think we’re beginning to see what’s coming, and it’s not good.

By your late 40s you have built emotional intelligence, your income is ideally higher, and been through some difficult times.

We’re pharmacists and we consider ourselves an intelligent and book/research driven couple.

Analyze, use intelligence!

Prices kept rising because they thought there was an inflow of "rich, intelligent jet-setting banking wizards" in their city which made living their so desirable with huge migration inflows. 2 years later, they realized it was just speculation and you can google yourself real estate Sydney and London to see the 20% declines....

Look at your housing situation first, then your transportation, then go after low-hanging fruit like vampire-like outstanding personal credit, then think about how to change your food budget intelligently.

A combination of foreign cash investors and the growth of things like biggerpockets have increased the demand artificially.

Books that changed my life, AND applicable to businessThinking, Fast and SlowAntifragile - (The whole Incerto series is a staple for anyone who wants to understand risk)Books that are good to read and applicable to business, but not life changingPrinciplesEgo is the EnemyThe Intelligent Investor 

Intelligent.