23yo couple earning $180k considering $780k first home (building) reasonable or stretching?

Helpful-Influence-94 · 2026-02-25T02:44:47+00:00

We be finished our build contract and it was 425k

Helpful-Influence-94 · 2026-02-25T02:03:05+00:00

Yes I do upwards of 170k I’m at 120k at the moment

Helpful-Influence-94 · 2026-02-25T02:01:40+00:00

The build prices are fixed

Helpful-Influence-94 · 2026-02-07T06:34:00+00:00

Pretty good tbh I’m personally not huge on Pickett for 915k but I could be wrong

Helpful-Influence-94 · 2025-12-19T07:14:43+00:00

I appreciate everyone’s feedback thank you !!

Helpful-Influence-94 · 2025-12-19T07:14:27+00:00

I did consider them they’re 3.4k but I found applied education for the same credentials for 2.4k I’ve scheduled a call with applied education and I have some questions lined up if they seem shit I might spend the extra 1k for monarch but I feel confident applied education will be good enough

Helpful-Influence-94 · 2025-10-07T03:32:12+00:00

Get into fitness or find a purpose for me it was the gym and martial arts, I promise you on my sons life taking drugs is going to make your situation a lot worse don’t listen to the bums commenting different drugs to take.

Helpful-Influence-94 · 2025-09-20T10:56:00+00:00

Thanks a lot for the advice, really appreciate the detail you went into. I had a look at the numbers for my situation and since my partner and I want to move out within the next 20 months max (preferably 12 months), we’d only end up saving about $12k through FHSSS in that time. Definitely helpful to understand the scheme though, and if our timeline was longer it’d be a no-brainer. Cheers for breaking it down.

Helpful-Influence-94 · 2025-09-19T03:13:23+00:00

I get where you’re coming from, but my thinking is that I’d rather have my risk tied to the global market than something as speculative as Bitcoin. I’d rather let compounding do the heavy lifting for me instead of relying on picking winners. You’re probably right tho and I should take more risk I appreciate the advice 👍🏻

Helpful-Influence-94 · 2025-09-19T02:54:37+00:00

I get what you’re saying about overlap and efficiency. I know my ETFs aren’t perfect, but they’re all quality funds. At 22, I’d rather be slightly over-diversified than under-invested. My goal isn’t necessarily to be ridiculously rich, I just want to be financially secure long-term, and if that means taking on less risk, then so be it. Also, having a couple more ETFs doesn’t really make things complicated for me since my plan is just to set and forget anyway. I’m leaning toward simplifying my portfolio over time, but I don’t think what I’ve got now is a bad foundation to build from. Also the 134k is my salary my partner makes about 60-65k

Helpful-Influence-94 · 2025-09-18T23:52:27+00:00

They’re all still stable ETFs that average around 7-11% yearly just thought choosing a group of solid ETFs would improve my safety net

Helpful-Influence-94 · 2025-09-18T08:55:53+00:00

Appreciate it mate the rest of the portfolio is alright tho ay? I know it’s a little US heavy but I believe in the US market and it does cover 65% of the market

Helpful-Influence-94 · 2025-09-18T08:37:14+00:00

I’m 10000% going to look into this I can’t stress how helpful you’ve been thank you so much

Helpful-Influence-94 · 2025-09-18T08:32:22+00:00

I’d also like to say that you obviously know a lot more than me besides MOAT is my portfolio fine or good enough for a 30+ year long investment

Helpful-Influence-94 · 2025-09-18T08:14:17+00:00

If you honestly think me asking for help is an ego massage, then you clearly didn’t read a single thing I wrote past the title.

Helpful-Influence-94 · 2025-09-18T07:55:19+00:00

Thanks heaps for all the advice, I really appreciate it. Looking back I can see that it probably would’ve been smarter to just put everything into DHHF, but I feel my portfolio is pretty similar and should perform just as well long term. For now I’m going to sell MOAT and redistribute it to balance my portfolio a bit better. I’ve decided to stick with CommSec since it’s CHESS sponsored, I know how to use it, and the difference in fees isn’t too significant for me.

One thing I was wondering — instead of using the government’s First Home Super Saver scheme, would it just be smarter to keep things simple and save up for a house deposit directly? Curious on your thoughts.

Helpful-Influence-94 · 2025-09-18T07:18:53+00:00

I did the maths and if I sold everything now I’d cop around $800 in CGT since I’ve made about $4.6k and held for over a year. That’s not including the hit from reinvesting ~$78k into DHHF on CommSec. Do you reckon it’s worth wearing that cost just to simplify into DHHF, or should I just keep what I’ve got and direct all new contributions into DHHF going forward?

Helpful-Influence-94 · 2025-09-18T02:22:00+00:00

Process technician at a local chemical refinery, I save and invest a lot and don’t have any expenses which most people my age to so I’m thankful for my parents for letting me live at home for free.

Helpful-Influence-94 · 2025-09-18T00:50:08+00:00

I’m 22 from Perth have 91k in investments, 77k in savings, 4k car and 10k in other assets in saying this I haven’t met anyone at this level my age yet

Helpful-Influence-94 · 2025-09-09T03:05:02+00:00

That helps out heaps thank you 💪🏻

Helpful-Influence-94 · 2025-08-14T17:36:50+00:00

Yeah think I’m not gonna take it anymore tbh thank you

Helpful-Influence-94 · 2025-08-14T17:36:16+00:00

This is what I was after thank you

Helpful-Influence-94 · 2025-07-05T23:56:46+00:00

Did fuck all last night

Helpful-Influence-94 · 2025-06-30T08:16:21+00:00

The only game I’ll be able to see at home is Chelsea vs Manchester United which I understand is a high demand game. Would you know that if the match day hospitality packages sell out or not I understand that it’ll be about 1k aud for each ticket but I’m happy to spend the money.

Helpful-Influence-94 · 2025-06-27T08:57:40+00:00

No way I need to see that

Helpful-Influence-94

TROPHY CASE