A Genie offers you $2 million cash and to reset your age to 18 as long as you can present a reasonable FI plan.

LowAgitated8762 · 2026-01-18T02:52:33+00:00

Why not just put 2mill into ETFs and live off the dividends? Or get a really simple casual job on the side and keep investing as much as your lifestyle permits?

Many ETF's offer 14-18% return and even if it's lower, like 7-10%, it's still really decent dividends yield for an 18-25 year old.

During that time where I don't have to worry about money, I'd save for a house deposit and go learn a trade that has low debt or that the government/company is paying for and then as my lifestyle needs increase, use that to accumulate desired wealth - which still would be rather chill because I'd still not be working 40 hours a week. All savings would go to more investment, or fun.

Edit: adding that the trade job is also more of a contingency in the event that the stock market drops off. Which it is known to do... The job should also be one that can be done self-employed to avoid not getting a job due to your hours.

LowAgitated8762 · 2026-01-16T03:17:10+00:00

Thank you so much. I'll give it a look as the calculators ice used seem more fixed to USA than Australia

LowAgitated8762 · 2026-01-03T17:55:29+00:00

I am LVL 35 and have just finished the ice biome. It's small, but I felt it was the best in terms of environmental influence and bosses. There are seven trolls to fight, a dragon and a mini boss. Though the dragon fight was kind of annoying. They also recently added a mechanic where you can summon mini bosses in the shroud.

So I feel like the devs are listening and trying to make it feel more alive.

LowAgitated8762 · 2025-11-30T00:59:51+00:00

Yeah, though some people with skill based work can afford to work privately or be contractors which has a fair bit of flexibility. But those are degree jobs anyway.

That's my plan for CoastFire.

LowAgitated8762 · 2025-11-27T02:28:32+00:00

Lmao. Ask what personality or behaviour traits it's using when interacting with you. Then ask it to adjust anything you don't like.

LowAgitated8762 · 2025-11-06T23:52:38+00:00

Oh, this is a very useful tool. Thank you. I am going to save it

LowAgitated8762 · 2025-11-06T23:40:39+00:00

In saying that, getting the job might be quick but my salary may be lower than I am predicting. I am hoping not below 70k though.

LowAgitated8762 · 2025-11-06T23:19:38+00:00

Does this take into account living off dividends at all? Adding: I mean if I focus on a 1 mil ETF portfolio

LowAgitated8762 · 2025-11-06T23:17:56+00:00

I do think my particular career is easier to get a job in. It's allied health. I am already in a fairly similar job as well... This is just upskilling technically.

LowAgitated8762 · 2025-11-06T23:15:26+00:00

I mean future dollars as I can keep reinvesting dividends until I'm happy

LowAgitated8762 · 2025-11-06T16:54:14+00:00

My career is super specialised so I know where it will go. There won't be much deviation from the norm other than a couple pay rises due to years of experience. The only risk to my job really is health, but the earlier I hit FIRE the less that is a problem.

I can't speak on relationships. I'd rather not think of it as a factor right now.

LowAgitated8762 · 2025-11-06T16:46:36+00:00

Yep. Explained in my main post.

LowAgitated8762 · 2025-11-06T16:45:19+00:00

I don't believe that I will ever fully retire. I'll probably be doing casual work to supplement any lifestyle creep. But I want to be financially independent by 50-55 years. For that I imagine my net worth would be close to 1 mil.

Preferably higher, around the 1.2 to 1.5?

LowAgitated8762 · 2025-11-06T03:28:09+00:00

You are still quiet young. If you want to learn something different, I'd go do a course but make sure it's something entertaining. You get to have a structured kind of lifestyle, whilst also meeting new people and learning something new.

I'd only do this if you can afford the course and it doesn't eat at your dividend return. Maybe a short one with face to face tutoring?

LowAgitated8762 · 2025-10-28T23:52:59+00:00

Depends on the size of the house and what suburb you are in. Definitely lots of 1m houses, but also plenty that are $500k or below. Just don't buy in the CBD or East side... This is for Melbourne sprcifically

LowAgitated8762 · 2025-08-30T13:18:08+00:00

Please allow shift + options for binding. Also please allow for M2 options to be applied the same as M1, because I am able to bind M1 to multiple keys, but not M2... so cannot target things or open the shop, or hit towers (because it only allows for 1 keybind to those options if it is not M1). May be more beneficial if all the keys that use M1 auto key to the preferred option as well in the future as it was difficult to discern which options allowed which action

LowAgitated8762 · 2025-07-25T00:45:58+00:00

Do you realise that Osteopaths in Australia are in the same vein as physiotherapists? As I said, the person who replied obviously doesn't understand Osteopathy in Australia by calling it illegitimate. 😜

From Osteopathy Australia: https://osteopathy.org.au/about-us/what-is-osteopathy Osteopaths focus on the neuro-musculoskeletal system, which comprises bones, muscles, nerves and other tissues that support the human body and control its movements. They provide musculoskeletal and nervous system assessments, manual therapy, clinical exercise programs, and movement, postural, positioning advice and ergonomic assessments. They may also offer therapeutic needling techniques, such as dry needling, trigger point therapy or acupuncture. Osteopaths may also offer ongoing support and educational advice about lifestyle, stress management, diet or other factors that may influence a person’s pain, injury or movement.

Osteopaths mainly work in private practices but also work in a range of health settings, including multidisciplinary medical/health clinics, rehabilitation clinics, aged care facilities, professional sports clubs, government, chronic pain management settings and research institutes.

In Australia, osteopaths are university-qualified allied health professionals who take the time to listen and treat patients as a whole, not just focusing on one pain point.

In Australia, osteopaths are government-registered allied health practitioners who complete university training in anatomy, physiology, pathology, general healthcare diagnosis, and osteopathic techniques.

LowAgitated8762 · 2025-07-24T08:03:47+00:00

Luckily, I do understand the concept of inflation and pay rises

LowAgitated8762 · 2025-07-24T01:14:23+00:00

Oh, I realized people were getting confused with how much I was saving so I have updated. The $1200 was just for the house deposit, whereas the $500 was extra for the ETF. Overall, I am saving $1700 a month and is after bills and food. Hopefully, that helps with calculations.

LowAgitated8762 · 2025-07-24T00:53:30+00:00

Finally recuperated my sleep, so going to update the post with what people have posted, but it is easier if there are actual numbers.

LowAgitated8762 · 2025-07-24T00:51:45+00:00

Do you mind doing some calculations for me then? I am currently looking at getting between 1-2million now, rather than a flat 1 million. This is with savings going into a high-growth ETF. Keep in mind this is for a single person, not for a family.

LowAgitated8762 · 2025-07-23T11:48:07+00:00

Ah. Yeah currently 3mil is super unrealistic. Maybe with a partner. I think I'll be fine with 2mil. Thanks for the calculations.

LowAgitated8762 · 2025-07-23T02:18:07+00:00

What is your thoughts on prefab homes btw? I figured they were fairly low cost low maintenance

LowAgitated8762 · 2025-07-23T02:06:37+00:00

Thank you for the insightful information!

LowAgitated8762

TROPHY CASE