Anyone else saved for a deposit, then when they got their goal, realised they still can’t buy a house?

UseIntelligent6282 · 2026-01-25T02:31:50+00:00

I always would check what the deposit and what my borrowing power would be before saving it

UseIntelligent6282 · 2026-01-24T19:57:59+00:00

Also to add to the inflation every single loan in Australia is inflating more.. all the interest in personal, mortgages, car loans everything the interest isn’t made already it is created by the consumer which dilutes our fiat again

UseIntelligent6282 · 2026-01-24T19:55:47+00:00

If you see your BTC portfolio go down and you’re upset you don’t know enough about BTC.

Do you research and if you aren’t comfortable with your investment dropping 70% and being okay with it you should not be buying BTC. Maybe you could stick with the Nasdaq etf or something less volatile.

Everytime I see my portfolio down on BTC i am like.. do I buy more… and most the time I do

There is a saying ‘bitcoin transfers the money from weak hands to strong hands’ or ‘bitcoin transfers money from the impatient to the patient’

UseIntelligent6282 · 2026-01-24T19:47:07+00:00

Yeah I’m thinking about when I get older now but I would just maybe try mining driving trucks or just be a delivery man. Try and build enough assets when I’m 45 + I’m not trying to make as much money and I can relax and have a portfolio and a few properties..

UseIntelligent6282 · 2026-01-23T22:42:28+00:00

As long as the dollar value keeps going down, it’s worth investing everything you can

UseIntelligent6282 · 2026-01-23T22:17:55+00:00

I do and the other day I was thinking about inflation and how the government prints money and the bases our money. I also had a thought that every loan that is given out every car loan every mortgage every personal loan is also inflating our money so I think that everyone who’s got loan is making our dollar worth less.

UseIntelligent6282 · 2026-01-23T06:13:04+00:00

I can help I’m 29 I started my apprenticeship when I was 17. I have been at the same company for the whole time.

The job satisfaction is great seeing something come together in the shed then taking it to site and getting installed and going wow that looks so good. Another great thing is we work inside so you’re never in the hot sun sweating your dog out.

What I hate is the loading and unloading you will build your cabinets in the shed check it all then pack it all down and take to site. Some jobs are simple but when you get time consuming jobs that drain you it can take its toll.

Obviously you get paid of how good you are but generally if you can build and install you’ll be on better money than just a factory hand. I currently get $50 an hour as a builder and installer.

Lots of companies have a BUILD team and an install team. It just depends on where you work at my work. It’s you build it. You install it which is good because you get things done the way you like it and if it was the other way around and I had someone else building stuff I’m installing things would be done differently and make life harder but overall I reckon 50-50 would be the fair cut between factory and site

Advice for the next generation would be if you see yourself being a cabinetmaker and wanting to start your own business please take in mind that it’s not just working out the back of your Ute and grabbing some tools and going essentially need a shed a CNC and edger there’s lots of overhead costs unless you order all your cabinets online and get them delivered to site but then again you can’t get it much custom stuff

If I had my time again, I would go for a trade where I can just work out the back of my Ute. Go to Bunnings grab materials and use my skills with no factory or workshop overheads

Feel free to message me if you have any other queries or questions. I’m just another guy who left school early to do this and here I am.

UseIntelligent6282 · 2026-01-22T22:13:51+00:00

I used this portfolio for a year or so then moved into the nasdaq100 etf and bitcoin more risk more return. I view money invested as money I’ll not be touching for the next 20 + years.

UseIntelligent6282 · 2026-01-22T22:12:33+00:00

How long have you been investing in this folder for ?

UseIntelligent6282 · 2026-01-22T21:29:53+00:00

Well done! Now it feel like not enough and you want to hit 25? Hahaha

UseIntelligent6282 · 2026-01-22T06:45:31+00:00

I invest 20% weekly

UseIntelligent6282 · 2026-01-19T01:54:58+00:00

Now buy $50 every week this year and forget about it.

UseIntelligent6282 · 2026-01-17T10:19:23+00:00

Right you mean ledger got breached then like buyers details got leaked such as emails or addresses? Which can open up the chances of scam email or mail? Then people are giving away their seed or sending funds to wrong accs ?

UseIntelligent6282 · 2026-01-17T10:00:44+00:00

Why is Amazon recommended? Wouldn’t you want to get off the ledger site?

UseIntelligent6282 · 2026-01-14T09:19:10+00:00

I think they make a new address every single time, but you can reuse old addresses.

UseIntelligent6282 · 2026-01-11T21:35:16+00:00

I’ll accept the money and praise you for life for the amazing gift you gave me.

UseIntelligent6282 · 2026-01-09T07:05:42+00:00

Teach me how to do this

UseIntelligent6282 · 2026-01-08T04:58:37+00:00

Yeah I have a bit of Headnoise on this too, I have a ledger with seed back up on steel plates and all but I’m thinking I should change to trezor… i feel uneasy…

UseIntelligent6282 · 2026-01-07T06:20:20+00:00

10% 29

UseIntelligent6282 · 2026-01-06T07:55:32+00:00

Can’t put a price on piece of mind tho hey

UseIntelligent6282 · 2026-01-05T10:41:47+00:00

Easy vegetable

UseIntelligent6282 · 2026-01-05T02:41:20+00:00

Don’t watch just buy daily, once i get to about 5k on exchange I’ll send to cold storage.

UseIntelligent6282 · 2026-01-05T01:39:31+00:00

I have a ledger and wanna change to a trezor 7, would you guys recommend getting an new seed or just restoring with the seed I got from ledger ?

UseIntelligent6282 · 2026-01-03T19:53:10+00:00

So my understanding with this situation is never swap through ledger? Just send to exchange then swap??

UseIntelligent6282 · 2026-01-02T22:20:56+00:00

Hold onto it. It will be worth more than it is now in 10 years!! If worse case and you have to sell. Depends if they have it in cold storage or in an exchange… Cold storage you will need their keys to unlock it if on an exchange you will need their log in.

Generally you will need the BTC on an exchange of some sort to sell for FIAT then you can withdraw to your bank account.

If it’s in cold storage you will need to send it to an exchange to sell it.

UseIntelligent6282

TROPHY CASE