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. ------ 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  See omnystudio.com/listener for privacy information.