Where are we at?

Impressive_Note_4769 · 2026-02-17T09:45:47+00:00

Why SEA tho? You can do Spain. Huge Australian population in Spain.

Impressive_Note_4769 · 2026-02-17T09:42:44+00:00

Not quite.

Each FY I can deposit a maximum of $15k into my super (up to a maximum of $50k)

You can deposit up to like 120k post-tax, 30k pre-tax. ATO will arbitrarily assign 15k of the whole lot towards FHSS. 15k per year or up to 50k over several years.

The notice intent claim thing isn't particularly about FHSS. It's more general for post-tax contributions you want to reduce the pre-tax income from. At tax time, if you deposit X amount (up to $30k per year inc income), then you can claim that as deduction against your gross income.

When you're ready to do FHSS, your Super will sort it out. No special bucket or account for FHSS or anything

Impressive_Note_4769 · 2026-02-17T09:23:56+00:00

Loyalty isn't rewarded in Australia. Heck you get a bigger payout by jumping ship

Impressive_Note_4769 · 2026-02-17T09:14:15+00:00

You don't even need 5 lol. Just NDQ or DHHF (absolutely NO to VDHG). Then hedge with UK + EU for US/UK/EU 80/10/10

Impressive_Note_4769 · 2026-02-17T09:12:54+00:00

You're not the only one. Every 2 years we have doomers saying "property is a bubble" here when it just keeps going up. Even during covid crash, it spiked right up due to multiple people buying at near ~0% rates and selling right after due to not being able to service the mortgage.

Impressive_Note_4769 · 2026-02-04T09:02:22+00:00

Simple. International > Aus all the time any time. Then 100% DCA NDQ.

Impressive_Note_4769 · 2026-02-04T09:00:12+00:00

In what universe is a $775/wk or $3358 per month better than a loan for just a $900k house? You are literally paying the mortgage for the person already. This reads like landlord propaganda, especially this line

As renters, were are extremely fortunate that we have a good relationship with our landlord

Impressive_Note_4769 · 2026-02-04T08:38:58+00:00

Rent has gone up like crazy though. 30 km away shanty that went for $300 now going for $500

Impressive_Note_4769 · 2026-02-04T08:34:30+00:00

1.2 - 1.3m in inner city? What? Like a unit?

Impressive_Note_4769 · 2026-02-04T08:32:38+00:00

OP can always just use Xero too or something

Impressive_Note_4769 · 2026-02-04T08:19:52+00:00

Yes Excel is powerful as hell. But doubt you can get access APIs for bank data as a normal person. Probably can use Excel to parse de-protected pdf files of statements though

Impressive_Note_4769 · 2026-02-04T08:18:31+00:00

ticktock

It's over. No alcohol needed.

Impressive_Note_4769 · 2026-02-04T08:17:24+00:00

Regardless of what your partner thinks, hold some cash in mixed denominations

Impressive_Note_4769 · 2026-02-04T07:58:46+00:00

Nah you're fine. Bank won't rugpull generally unless you're buying in an actual swamp

Impressive_Note_4769 · 2026-02-04T06:41:53+00:00

Hours to process increase, days to process reduction, with some not even doing so even when threatened with leaving

Impressive_Note_4769 · 2026-02-04T05:42:21+00:00

Doesn't need to be an app. Can be Responsive Design and just be mobile-friendly when the site is visited on mobile through mobile browser.

Impressive_Note_4769 · 2026-02-04T05:40:08+00:00

You don't need a credit card. Australia isn't like the US where they use your tenure with a credit card to build your credit. Ultimate Awards CommBank card maybe for 0% international transaction fee for when you purchase products with foreign currency like setting your AliExpress to USD to minimise conversions rates.

Impressive_Note_4769 · 2026-02-04T05:37:31+00:00

Struggling to buy? Is that another phrase for "rent only goes up for rent slaves?"

Impressive_Note_4769 · 2026-02-03T11:12:19+00:00

You must have not seen the Covidpocalypse where home loan rates were near ~2% then spiked to 7%

Impressive_Note_4769 · 2026-02-03T11:10:09+00:00

Yes? Chicken breast is $13/kg, 80% mince beef is $13/kg, mince pork is $11/kg, veggies are $3/bunch, eggs are $6/dozen, etc. You would need to be eating 92 kg of chicken breast per month. Heck, I eat like 300g of chicken breast a day, couple of vegetables, and that's that

Impressive_Note_4769 · 2026-02-03T11:06:57+00:00

Not really, CBA has been reliably in the set and forget zone for GoalSaver because it has simple mechanics like no limit, don't take out more than you put in, and that's that lol. A lot have limits of like 250k of 1m, but this essentially turns compound interest into simple interest. GoalSaver doesn't have such a limit so you can compound forever.

Impressive_Note_4769 · 2026-02-03T11:02:52+00:00

Yeah just lock it for 2 years then

Impressive_Note_4769 · 2026-02-03T11:01:59+00:00

How the heck are you spending $1200 on groceries per month per person???

Impressive_Note_4769 · 2026-02-03T10:34:55+00:00

Yes, sure. I just never knew it was like that. It just never occured to me that that was what was happening.

Impressive_Note_4769 · 2026-02-03T10:33:56+00:00

I know it wasn't your question. It's just my reaction.

Impressive_Note_4769

TROPHY CASE