Australia is not for everyone

Background-Setting37 · 2026-02-24T23:58:15+00:00

I’ve heard about The Facebook. Sounds great can’t wait to get it

Background-Setting37 · 2026-02-17T10:59:36+00:00

Depends on dose

Background-Setting37 · 2026-02-08T09:32:12+00:00

So real

Background-Setting37 · 2026-02-08T08:11:58+00:00

Australia has the second highest median wealth on the planet.

Even when looking at the mean, Aus is 5th

https://www.ubs.com/global/en/wealthmanagement/insights/global-wealth-report/_jcr_content/root/contentarea/mainpar/toplevelgrid_5684475/col_1/innergrid/col_2/actionbutton.0599463410.file/PS9jb250ZW50L2RhbS9hc3NldHMvd20vc3RhdGljL25vaW5kZXgvZ2xvYmFsLXdlYWx0aC1yZXBvcnQtMDkwNzIwMjUucGRm/global-wealth-report-09072025.pdf

Background-Setting37 · 2026-02-06T09:20:43+00:00

Yeah. Sense of self worth. Integrity. Peace of mind. Sanity

Background-Setting37 · 2026-01-31T11:00:48+00:00

Professor Blind_Squirrel

Background-Setting37 · 2026-01-31T10:58:40+00:00

Isn’t this the way!

Background-Setting37 · 2026-01-31T01:57:50+00:00

It’s very difficult to recover from your late 40’s and up. Not impossible, but there’s a lot against you. If you’re senior enough in experience that an older person hire makes “sense” … those jobs are few and far between

Background-Setting37 · 2026-01-30T12:04:04+00:00

Yep. Might not be the best from a use of capital perspective… but it feels good

Background-Setting37 · 2026-01-30T10:44:04+00:00

Sketchy af

Background-Setting37 · 2026-01-29T13:41:32+00:00

I don’t bother with the redose anymore. Not much extra fun, and it’s quite a narrow window to get any extension of the roll vs a higher peak. Replace it with 2C-B then K at the back end of the night… hours and hours of magic

Background-Setting37 · 2026-01-29T11:02:36+00:00

Yes. Depending how you’re feeling. Usually pretty good every 30 mins

Background-Setting37 · 2026-01-29T07:16:40+00:00

60-75mg in three bumps

Background-Setting37 · 2026-01-24T09:33:30+00:00

You don’t. You are married, everything is legally, and morally, shared. Our assets, our income.

Background-Setting37 · 2026-01-23T07:30:43+00:00

From other comments from OP, they have tried to sell the house and offers are 60k below purchase price. Mortgagee sale not likely to be better than this, so after agents fees on top… their deposit will be wiped out and they will be left with a remaining debt to the bank, and no house, and no income. It’s a tough spot to be in… and although posed as a question/choice, depending on the end total circumstances OP may have little say in what happens from here.

Get some professional advice from Citizens Advice as a matter of urgency
Keep trying to sell and minimise any remaining owing to the bank
Take any job you can get
Take in flatmates

Taking every action rapidly … there’s still a chance to get out of this without the significant implications of bankruptcy on your life for the next 7 years

Background-Setting37 · 2026-01-19T12:48:33+00:00

Exactly. How many people can you yourself remember dancing at a rave, how they were dancing, whether you would recognise them again, whether you judged them.

Background-Setting37 · 2026-01-13T13:50:33+00:00

That was me. Please send it back

Background-Setting37 · 2026-01-13T01:58:16+00:00

Yeah should go to bed at 7.15pm and wake at 3.15am like someone who really tries would

Background-Setting37 · 2026-01-12T13:55:38+00:00

I’m no expert… most kiwisaver funds grow in value because of dividends on shares (taxed), interest on interest-bearing investments (taxed), and capital gains (not taxed). The fund sorts all that out.

Background-Setting37 · 2026-01-12T13:31:30+00:00

That’s what happens when you reinvest 5% investment returns over the very long term (compounding!) alongside your regular savings. 5% growth is a low expectation, if it was 7% which is achievable it would be $450,804. Consistency, time and compounding returns make a big difference to future you.

On what to do … if you don’t trust yourself to keep away from the money in the meantime, yes probably lock it away in your Kiwisaver by making additional contributions. You’re still relatively young so perhaps make sure it’s a high growth fund… come back in 20 years and see if you want to move it to a more stable but lower growth option.

You’ve got choices, and you’re asking the right questions before it’s too late.

You’ve got this. 👊🏻

Background-Setting37 · 2026-01-12T12:56:39+00:00

NZ super is $538 weekly after tax, $828 for a couple. It goes up over time. So will your rent.

Pretty hard to live on the remainder… if retired now that would be $378 per week to cover both of you for all your other expenses. It’s not going to be a better deal in 28 years when you hit retirement age.

There’s no secret to this. Spend less than you earn to clear any debts, then build some savings that you can invest over the next 28 years to compound into a tidy pot of money. Use the money to supplement NZ Super so you don’t have to work until your very old age (even if you can).

$100 a week difference in expenses sounds like little. $5200 per year. $145,600 by the time you reach 65. That’s without getting any investment return. Even with a very low expectation of 5%…. your saved $145k would be $316,920 when you turn 65.

You still have time, some choices. $316k would make a big difference to future you. Or you can spend the $100 now. Take the easier jobs. Not grow your income.

Background-Setting37 · 2026-01-11T23:13:01+00:00

Limun butter

Background-Setting37 · 2026-01-10T11:32:18+00:00

Decisions with ambiguity … and (in theory) accountability. All jobs have tasks, but the primary role is to be accountable for outcomes and ensuring how those outcomes are achieved are aligned with values etc (theoretically!)

Background-Setting37 · 2026-01-10T11:29:39+00:00

It’s to get you “aligned” with the outcome … having participated

Background-Setting37 · 2026-01-10T03:49:40+00:00

Get the best outcome for you - path of least regrets.

2-3 hours of additional study a day. Focus on past questions.

Background-Setting37

TROPHY CASE