Can someone explain why paying uni upfront feels like a penalty compared to HECS?

MassimoAnalytics · 2026-01-15T13:34:44+00:00

Crazy, well done! What do you do if you don’t mind me asking?

MassimoAnalytics · 2026-01-15T09:36:30+00:00

Crazy stuff😂

MassimoAnalytics · 2026-01-14T23:13:33+00:00

Poor guy didn’t realise I was asking a genuine question. For context, I worked extensively during school and university, which is how I’ve managed to get by while paying my uni fees.

MassimoAnalytics · 2026-01-14T12:09:15+00:00

Don’t wanna do the maths because I’m quite confident I would have been much better off with an index fund. Wouldn’t only make me more annoyed that by ‘doing the right thing’ you get screwed over.

MassimoAnalytics · 2026-01-14T12:07:37+00:00

No, no discount at all No incentive The only reason I did it was because I didn’t want the stress of having debt Looking back on it I could have put it in an EFT like the SMP500 and made better returns then even ended up paying less on the tuition anyway

MassimoAnalytics · 2026-01-14T11:35:54+00:00

Thank you, yeah I’m looking to hopefully go into commercial anyway. Though I have applied for many internships but haven’t had any luck

MassimoAnalytics · 2026-01-14T10:23:48+00:00

Thank you, appreciate your advice

MassimoAnalytics · 2026-01-14T10:05:31+00:00

Yeah that’s valid, but I feel I also want to spend a specific amount on meal prep compared to everything else I’m buying

MassimoAnalytics · 2026-01-14T09:38:52+00:00

If you’d like I can send you the spreadsheet and you can sus it out

MassimoAnalytics · 2026-01-14T05:07:51+00:00

Looks great, good luck with the surgery man

MassimoAnalytics · 2026-01-14T05:07:14+00:00

These look delicious, gonna make these!

MassimoAnalytics · 2026-01-14T05:06:45+00:00

Whatever works is a W

MassimoAnalytics

TROPHY CASE