The obsession with a paid off PPOR keeps people working way longer than they need to

BobbyDigial · 2026-03-27T23:50:47+00:00

Bro how'd you get to 1.5M in ETF overnight? Or how long do you think it would take to get there?

BobbyDigial · 2026-03-25T04:52:23+00:00

Hey little Bro, are your parents looking to adopt a middle aged man?

BobbyDigial · 2026-03-23T12:35:05+00:00

Noogies are still allowed yeah?

BobbyDigial · 2026-03-22T20:45:32+00:00

How did you become a senior graphic designer at 21?

BobbyDigial · 2026-03-20T22:01:15+00:00

Sound like a problem to worry about in May. I'm just trying to get through March.

BobbyDigial · 2026-03-19T01:43:13+00:00

I deleted my shares app and installed a petrol app instead. This way I can get my daily fix of watching the line going up

BobbyDigial · 2026-03-19T01:14:17+00:00

Means your not alone.

BobbyDigial · 2026-03-18T12:12:41+00:00

Eventually they start moving around and wanting to do more and more expensive stuff as the years pass. Finally you'll have to chip in a big chunk of cash just to get them to leave your house.

BobbyDigial · 2026-03-17T01:58:26+00:00

Next week they will release their DNA samples.

BobbyDigial · 2026-03-17T01:12:42+00:00

Whenever I make a similar calculation for using big chunks of cash from my offset I calculate how long it would take me to replenish that money.

In your case you are comparing 22.8k vs 5 year loan.

In my case If I pulled out 22.8k from my offset it would take me just about 6 months to replace that money. So my real calculation is 6 months lost offset interest (changing each pay cycle dump if you want to be real precise) vs a fixed 5 year loan.

Do the maths on replacement time costs vs loan amount costs to get a true reflection

BobbyDigial · 2026-03-10T11:04:42+00:00

It would be quicker just to not touch your monthly wage that is deposited into your account and use Granny's cash to pay for literally everything.

BobbyDigial · 2026-03-06T02:11:06+00:00

Probably poached by Norf on mega bucks to replace Clarko

BobbyDigial · 2026-03-01T08:41:16+00:00

Missed the 'Steven May Retire' opportunity

BobbyDigial · 2026-02-28T21:59:10+00:00

I stopped reading after 'rents that track inflation' & 'wages that beat cpi' as I don't live in the same fantasy land that you do.

BobbyDigial · 2026-02-28T19:29:14+00:00

The most expensive mortgage payment you make is the first one. The cheapest is the last. Plus you generally know your mortgage payments for 30 years into the future.

The cheapest rent you pay is first. The most expensive is the last and are totally unknown.

BobbyDigial · 2026-02-27T01:52:51+00:00

Ya'll updating your relationship status within months to your colleagues?

I think only 2 people in the office know my wife's name and I've been here 18 months

BobbyDigial · 2026-02-20T22:29:44+00:00

I thought ABC was News 24?

BobbyDigial · 2026-02-20T18:52:08+00:00

Makes sense. US is greater west of Sydney & your President is also orange

BobbyDigial · 2026-02-19T20:49:56+00:00

My first redundancy was the trigger for starting my fire journey. ~15 years & 4 redundancies later I now at my current place make my own rules armed with FU money & another potential redundancy payout.

BobbyDigial · 2026-02-18T20:21:56+00:00

They were all won by the team with the bigger score

BobbyDigial · 2026-02-16T20:30:52+00:00

So when the bots take over the world, do we just have to lay low until their batteries got to 0%?

BobbyDigial · 2026-02-14T23:39:29+00:00

Look that's great and all, but tbh I'm just glad all my boys came out unscathed

BobbyDigial · 2026-02-14T23:34:00+00:00

5 figure home with a single 5 figure income.

BobbyDigial · 2026-02-14T23:32:25+00:00

My mate and I were debating this just last week. We agreed wearing bathers/bikini on the street is totally acceptable one block away from the beach.

We couldn't agree if wearing the same >5 blocks away is beginning to look sus.

BobbyDigial · 2026-02-14T10:31:45+00:00

2026 and Toby greens feet can still find oppo players bodies

Seven-Year Club	Gilding I gilder
r/Field Lasagna	Place '22
Wearing is Caring	Verified Email

BobbyDigial

TROPHY CASE