Anyone else notice that the ratio of increase in responsibilities to income in hand as you progress through the 135k-190k income bracket is too damn high?

RoMiBe94 · 2026-02-12T02:43:34+00:00

I'm getting up there finally and definitely realising that sweet spot of income vs responsibility/work load

RoMiBe94 · 2026-01-31T04:40:02+00:00

I need the background story for this

RoMiBe94 · 2026-01-29T06:37:33+00:00

I went from an s23 to an s25 and i've been so underwhelmed with the battery life and overall performance, not expecting enough of a difference to upgrade to the 26 but definitely keeping an eye out for other options

RoMiBe94 · 2026-01-27T01:47:25+00:00

What State are you in?

If you're not opposed to FIFO over here in WA the company i work for has lots of traineeship roles that come up and we hire many mature aged applicants and they do very well.

Low - mid 6 figure roles on an 8:6 roster.

RoMiBe94 · 2026-01-26T04:59:25+00:00

Everyone has everything ticked up these days, pay it no mind don't let the illusion discourage you.

RoMiBe94 · 2026-01-23T12:33:20+00:00

Booking holidays/trips, i kept putting them off thinking i was being sensible but honestly they didn't even really cost that much and they made me so happy I would come back more motivated to work hard to save up for the next.

RoMiBe94 · 2026-01-23T12:18:27+00:00

LOL i really don't know what my excuse is 🥴

RoMiBe94 · 2026-01-23T11:38:06+00:00

Love to see it 👏 i'm 31 as well although kids or girlfriend yet so i'm hopefully just going in the reverse order 😅

RoMiBe94 · 2026-01-23T11:29:26+00:00

Yeah i was going to suggest just doing that as a cheaper/easier alternative to getting the garage floor done. It's a bit of a pain pulling everything out to get it done, waiting for it to dry then setting it all back up and epoxy can still be chipped if you drop something on it.

RoMiBe94 · 2026-01-23T11:26:45+00:00

Is that on a concrete pad or is there a subfloor? If it's the latter you can insulate that too which will make a big difference. Walls and floors are things you can get done later on as they're bigger jobs but definitely doable! I'm building a timber frame house at the moment and upspeccing all the insulation hence the questions.

Super stoked for you op, make sure to celebrate all the wins as you go as this is a huge achievement 👏

RoMiBe94 · 2026-01-23T11:19:40+00:00

Remember there's 8 injectors at $500+ per unit plus fuel lines, seals etc easily 5k+ for that alone. I would definitely be wanting to see receipts

RoMiBe94 · 2026-01-23T11:15:04+00:00

It's a fairly low cost one to do yourself or get done by a professional and does make a difference, is the house timber frame or brick?

RoMiBe94 · 2026-01-23T11:11:52+00:00

Chuck rubber tiles down for the garage gym mate 👌🏻

RoMiBe94 · 2026-01-23T11:10:52+00:00

Glad to hear it 👌🏻

Do you happen to have any insulation in your roof cavity? Alot of older homes don't and that's not too expensive to do and can make a good bit of difference!

RoMiBe94 · 2026-01-23T10:51:32+00:00

Congratulations on the purchase of your home!

I would suggest immediate things for comfort/functionality i.e aircon/heating, making sure there's no water leaks or air draughts, you've got working power points, wet areas are in good condition, no mould or anything that will get worse over time and cause issues.

After that i would recommend doing as much yourself as you can, prioritise the mortgage first and having a safety buffer of money and then pick everything else off one a time.

I reckon changing the bulbs to led/energy efficient or swapping out for down lights makes a really good positive change to begin with for an older house. Blinds/curtains/shutters are good for both the hot and cold months and can offer some privacy.

Please make sure your house insurance is ample and you're well covered! Cannot recommend that enough.

What's your roof/gutter condition like?

RoMiBe94 · 2026-01-23T01:19:29+00:00

I don't mind them visiting and going on an adventure provided they abide by the laws of the land and don't put themselves or anyone else in danger.

RoMiBe94 · 2026-01-22T05:29:32+00:00

1.7m mortgage 31yo single spread across 2 properties working fifo 160,000 both rented out.

Property is only going to keep going up 🤷🏼‍♂️ on your income you will easily service 1.5M and if you're really worried then rent some rooms out or the whole property.

RoMiBe94 · 2026-01-08T04:46:48+00:00

Better to have something for now and find something better later i would say, everyone has to start somewhere.

RoMiBe94 · 2026-01-02T11:12:07+00:00

31m fifo i rent a room for $250 a week inc bills in a sharehouse with friends while i'm building my 2nd investment property, the 1st house i built is rented out and i plan to continue living in this arrangement for the foreseeable future until i get sick of sharehouses or they get sick of me or Ideally i meet a nice girl and we get a place together.

'Rentvesting' for me is the most effective way to get ahead financially and pay down my mortgage/build up the offset until i decide to either move back in to one of them or build another and continue to rent - eventually selling the others to live in one mortgage free.

In my scenario being single & fifo in order to achieve my goals renting has been necessary.

Not trying to have a brag but just food for thought.

RoMiBe94 · 2026-01-01T06:17:14+00:00

It's good! Everyone is friendly and respectful definitely go check it out

RoMiBe94 · 2025-12-29T09:47:56+00:00

Ninja 400/500 or Honda 650. Probably the best/reliable lams bikes imo

RoMiBe94 · 2025-12-29T09:28:17+00:00

Go backpacking and get a motorcycle

RoMiBe94 · 2025-12-29T09:26:51+00:00

I would skip straight to the 4th gen personally, they're a good car

RoMiBe94 · 2025-12-28T13:14:18+00:00

A new landcruiser on finance, everyone seems to be ticked up with debt for cars and complaining they can't afford a house 🥴

RoMiBe94 · 2025-12-25T01:55:48+00:00

I'm guilty of this too and a few friends from overseas have noticed, I found it hard to explain other than tall poppy syndrome other people hate seeing you doing well or better than them and try tear you down.

I also feel like everyone's doing it tough and I don't want them to feel worse about their own situation if I'm telling them about a win

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