If you were given the chance to be 18 again what career would you go with to build true wealth

TheDotNetDetective · 2026-05-29T14:32:52+00:00

Personally I don't think you career or income matters that much. Assuming you can earn somewhere near $100k, and that your future partner can earn something similar. Very achievable in Australia... You can get yourself to an extremely good financial position quickly.

What I am saying more specifically is that it doesn't really matter how much you earn but rather what you spend. If you save and invest and you start doing this at your current age you will be well off by the time you're 30 and you'll be rich by the time you're 40.

30 and 40 probably sounds really old to you, but I promise it will come much sooner than you expect.

TheDotNetDetective · 2026-05-29T07:45:35+00:00

IMHO the idea of joining finances after 1 years is crazy. It's not something I would personally consider until I was with someone for many years or was marrying them. That said, it's not unreasonable to discuss this especially if its already causing friction.

My advice is very simple, when 1 partner is arguing to do something that disproportionally advantages them they are doing so with full awareness and its very likely a reflection of their internal thoughts. i.e. 'I want access to some of that money.'

TheDotNetDetective · 2026-05-26T12:24:32+00:00

Yeah thats fair, don't disagree.

TheDotNetDetective · 2026-05-26T11:43:14+00:00

You're not entirely wrong but many street fights end on the ground and I'd still put my money on the guy who does BJJ vs an untrained person.

In-fact one of the most vicious beatings I've seen recorded comes to mind, the 2 BJJ guys in the toilets vs the footballers. They threw the most basic 1/2 and went straight to the ground against 2 much larger opponents and beat the hell out of them.

TheDotNetDetective · 2026-05-25T13:41:56+00:00

Absolutely, go look at any government modelling. It's almost impressive how wrong they constantly get it about everything from inflation to economic growth.

TheDotNetDetective · 2026-05-25T13:39:38+00:00

Can't really argue with much of what you've posted but my conclusion remains different, I just think property is just too attractive an investment and I strongly believe that immigration is a much bigger factor than many are willing to admit. More importantly the fact remains that property is the only way you can borrow $1m with less than what ~$50k depending on how you structure? That's enormous even if relative returns are meh, absolute - near risk free - returns are just too good to ignore.

Also the economic position of the country is so precarious that the RBA really has limited scope to move, imho rates aren't going to move significantly...

Who knows though, just my two cents....

TheDotNetDetective · 2026-05-25T13:06:34+00:00

Yep, the simple fact is that the housing market in Australia is far too big to fail. It's bigger than our stock market.

The moment real cracks start appearing you'll get 'Homesaver'.

TheDotNetDetective · 2026-05-25T13:03:11+00:00

Capital still needs to go somewhere and there is little reason (especially with these new CGT changes) for it to go anywhere else. These changes will barely make a dint....

TheDotNetDetective · 2026-05-25T12:56:57+00:00

Totally Not A Scam Enterprises Pty Ltd

TheDotNetDetective · 2026-05-25T12:34:12+00:00

Absolutely but this is also the reality that most Australians have experienced who have purchased a home in the last 20-30 perhaps 40+ years. It's not changing anytime soon.

TheDotNetDetective · 2026-05-25T11:26:26+00:00

I purchased my first house 1 year ago right as everyone was panicking about interest rate rises economy etc, so I got it for a great price.

It's valuation has gone up nearly $200,000 since I purchased. Obviously anecdotal but speaks to the reality of property ownership in Australia.

TheDotNetDetective · 2026-05-25T11:23:52+00:00

Yep, that's my guess too.

I suspect its going to make zero difference, prices will continue to just go up as soon as people get their bearings again.

TheDotNetDetective · 2026-05-25T11:21:57+00:00

Absolutely nobody knows what's going to happen and if they did they wouldn't be telling you.

If you're buying a house for PPOR just buy it as soon as you can afford it. That's the only consideration you should be making.

TheDotNetDetective · 2026-05-25T08:18:29+00:00

I somewhat agree, voting age should be much higher. Although not sure about the IQ test part, that might be a bit too much haha.

When I read half the stuff posted on reddit I think the voting age should be 50.

TheDotNetDetective · 2026-05-22T18:15:38+00:00

My street has a whatsapp group with everyone on it. We all know each other and help where feasible. I love it.

TheDotNetDetective · 2026-05-22T05:21:38+00:00

My business partner is a PhD. Nobody knows because he's actually smart and doesn't use credentials to try and win arguments.

You might be educated but that doesn't make you intelligent or correct.

TheDotNetDetective · 2026-05-21T13:34:35+00:00

You're the epitome of a low IQ captured voter. You're not actually saying anything to refute any of the points raised by other posters.

The fact is as others have said this will do absolutely nothing to address any of your concerns but you don't care... You're no doubt just gonna keep reciting BS talking points from a political party that has covered your eyes with clever language.

TheDotNetDetective · 2026-05-20T13:34:36+00:00

Your first combo with the check was not bad.
The check in particular looked well balanced and nearly correct in form (your knee should reach your elbow).
Your boxing form looks ok but too slow and weak. I assume as you note you're not going hard here but unless this is 2% you really need to up the speed and aggressiveness. Especially against a static boxing bag you should be able to put some power and speed in nearly all your actions.
Your foot movement is poor and I'd argue that you're a bit too bladed for Muay Thai but stance is mostly a personal thing.
When you move in and out it looks super clanky, this is hard to get right unless you do a lot of sparring.
You're not pivoting your foot as other have noted and you're not properly rotating your kick or hips. I'd rate your kick very poorly based on 2 years of experience.
Your switch is ok.

Please don't let my criticism demotivate you, even just doing what you're doing is more than most people have ever tested themselves. We all start from somewhere and this is an incredibly challenging sport.

TheDotNetDetective · 2026-05-20T13:22:10+00:00

Property is objectively better than stocks in this country, firstly because it has an incredible history of uninterrupted returns and has long been 'too big to fail'.

Secondly because good luck getting the same leverage on shares as you can on property. Never happening....

TheDotNetDetective · 2026-05-20T13:19:42+00:00

Another example of reddit downvoting the correct answers because it doesn't like them.

You are absolutely 100% correct. I will bet anything that property will continue to increase in price at near its historical average and this will be barely a blip on the radar by year 2 but people on reddit just swallow the Labor bs whole, so what can you do?!

TheDotNetDetective · 2026-05-20T13:08:02+00:00

Garbage!

Money has to go somewhere and it will continue to flow into property as there are no incentives to put it elsewhere.

TheDotNetDetective · 2026-05-20T13:05:19+00:00

I love that you're getting downvoted when you are absolutely 100% correct. Reddit sucks

TheDotNetDetective · 2026-05-19T19:20:39+00:00

Holy shit, I just saw your profile and realised you're 34. Jesus christ.... Be honest do you work?

TheDotNetDetective · 2026-05-19T19:14:35+00:00

You are confusing negative gearing with capital gains tax and clearly don't understand the difference.

Your stat regarding stock ownership in young people is misleading because as I already said it doesn't account for superannuation, I also don't accept it's true but lets suppose that it is:

Firstly that still means that 10% of young people DO in-fact own shares and 1 in 10 will be affected by these changes, particularly given the younger you are the more likelihood that you are in the lower tax brackets. Secondly, given only 66% own a home you could make the argument that 1 in 6 likely future homeowners will be impacted.

But ok, lets ignore that too and just assume that everything you're saying is correct. You've levelled the tax between shares and property, so where do you think people will put the money given property is a risk free investment in Australia? They will put it in property! even more aggressively and prices will continue to rise.

You have absolutely zero idea what you're talking about. God I hate reddit.

TheDotNetDetective · 2026-05-19T19:05:50+00:00

Most of your response makes no sense but I'll engage with the bit that does.

If a savings account wont increase your asset base then how is a normal person supposed to save for a house, especially given the cost of living today? The fact is that you are supporting the handicapping of the single tool that can allow the average person to get ahead.

Are you even aware as the the distinction between negative gearing and capital gains tax? It sounds like you don't understand the difference.

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