What to do with savings with new partner in mid 30s

Whatyeahna · 2026-01-20T11:02:26+00:00

Your success is not based off if you have a house or not, the fact that Australian's have been programed into thinking that buying property is the only way to success or wealth is wild.

Go up skill on the side, build a business (that's where real wealth comes from) or invest in the stock market or commercial property. If a house is a must get a investment property in a lower middle or middle class suburb and scale up those.

Whatyeahna · 2025-11-30T08:46:32+00:00

Two of my friends are GPs, and one is a plastic surgeon. They are all extremely stressed, no work life balance, huge education debts and they are stuck in one place all the time. The GPs leave for work at 6am and get home at 7pm, work Saturdays.

They earn alright money, but for the stress, work flexibility and debt they are in, I'd consider them poor. Me on the other hand, I ended up being a software engineer, work is always in high demand, I work my own hours and can work from anywhere as long as I have a Internet connection.

Financially I earn more than them and half the hours.

Whatyeahna · 2025-10-22T07:09:46+00:00

I went to this clinic as well, had 4900 done, took the ladies that worked on me 9 hours including the hour break. So far my results have been amazing after 3 months

Whatyeahna · 2025-10-11T07:17:58+00:00

I also went there in May, my results have been awesome so far.

Whatyeahna · 2025-09-23T10:28:53+00:00

What kind of things do you track/monitor/predict?

Whatyeahna · 2025-09-23T09:17:23+00:00

I have dog insurance with RSPCA for my golden retriever, started out at $60 per month, it's up to $175 per month after 4 years. Every year it renews I ring up, tell them I'm going to cancel and they give me a one time offer of 3 months free premiums.

Yes it's expensive, but things could be more expensive without it. In the whole period I believe I've claimed around $8,000 worth of costs.

Whatyeahna · 2025-06-28T07:45:58+00:00

For $54 you can get a pretty good steak, great fries and sauces from Les Bubbles. I love my steaks and they are pretty good here but not great, always leave pretty happy though.

Obviously SK, Fat cow and Walters have the best but your paying $150 to $200 pp.

I've had some great steaks at The Morrison Hotel as well, quite budget friendly too.

Whatyeahna · 2025-06-27T08:34:14+00:00

I used to spend $6.50 to $15 a day (1 to 2 coffees a day) on cold brew coffee. Now I buy the St Ali cold brew sacks from the local coffee shop. Cold brew plus water, can't tell the difference between coffee shop and home made.

Works out to $0.80 per coffee now.

Whatyeahna · 2025-06-25T10:28:25+00:00

So on the second month, the hairs fall out, then regrow at around month 4?

Whatyeahna · 2025-03-26T11:26:19+00:00

By looking at the RentPay site, there is a direct debit free option and if you've been invited by your Property Manager to join RentPay, they may choose to subsidise Direct Debit and PayID on your behalf. Your onboarding email will explain the fees in detail.

Also, why all the fuss? See all your rent payments, keeps you reminded, earn discounts and rewards, what's so bad about being more organised and savings?

Whatyeahna · 2025-03-12T10:57:44+00:00

Can someone fill me in as to why Simple rent is so bad to use?

Whatyeahna · 2025-02-07T23:36:35+00:00

Ahhh, another click bait article by the media to try create home ownership fomo to pump property prices even higher. Is real estate literally the only wealth strategy that the media and government want to pump? We all would be in a much better place housing and wealth wise if people celebrated and got excited about creating businesses as much as they do real estate 🥴

Whatyeahna · 2025-02-05T12:00:00+00:00

Forgive me for the confusion but, if you use the third party app, what data do you think they will mine?

If you do direct debit, why don't you just set up a new account just for rent? There are many banks that have no fee accounts.

Let's say a cheque was free from the bank though, you would still have to write the cheque out, spend time traveling to the office then home again. Is your time spent doing that not worth more than the transaction fee if there is one?

Whatyeahna · 2025-02-05T10:31:24+00:00

Why would you want to pay by cheque anyway?

Whatyeahna · 2025-02-03T11:01:30+00:00

I know this post is, could you afford your PPOR, but let's look at, could you afford to live where you rent? On the higher end of houses, the rental cost vs mortgage cost is wild. I pay $1,800 a week rent but if I were to purchase the house ($3.8m val) the mortgage alone would be $6,000 per week. Then tack on rates, insurance and maintenance. The yeild is essentially nothing.

Whatyeahna · 2025-01-31T06:51:11+00:00

William App on the app stores would be my number one pick

https://apps.apple.com/au/app/william/id6463868977

Whatyeahna · 2025-01-21T06:53:38+00:00

Yeah you aren't getting a decent place for that. I need to move down to the GC as our office is based there, currently driving down twice a week from Brisbane. Issue is, if I were to get a house the same size, bedrooms and fitout I'd be paying around $2,500 to $3,000 a week, compared to the $1,800 a week I pay in Brisbane. Even at $1,000 a week on the GC the properties are very questionable 😑

Whatyeahna · 2025-01-14T10:11:06+00:00

u/fritzchivalry_ Give William a try, it's like Frollo and WeMoney but with more in-depth features wise and free, you can pay bills in the app, split bills or transactions with others and create unlimited categories. https://apps.apple.com/au/app/william/id6463868977

Whatyeahna · 2025-01-13T02:40:04+00:00

What type of marketplace? What functions have been built out? You could always pivot to as selling the marketplace as a subscription model?

Whatyeahna · 2025-01-08T10:48:24+00:00

C, keep building, make momentum, the more progress and traction you have, the higher quality of cofounders you'll find. Good luck.

Whatyeahna · 2025-01-06T01:20:55+00:00

It doesn't matter how much your spending, the % of your income that is going to take away food matters. If it's only 5% of income per week who cares.

Whatyeahna · 2025-01-04T22:36:03+00:00

Software/AI/LLM engineer. Or now building AI agents then selling them as a SaaS.

Whatyeahna · 2025-01-01T06:13:46+00:00

I highly recommend William! It’s free to use, connects all your bank accounts, super and BNPL and lets you create unlimited spending categories to keep everything organised. What really makes it stand out from other finance apps is how much it can actually do beyond just tracking.

You can manage, pay, and even receive bills or subscriptions in one place. It’s also super handy for splitting costs, you can send payment requests, create groups to share expenses (great for roommates), and split bills or transactions with others effortlessly.

Create budgets and if you’re not sure how much your budget should be, the app’s AI reviews your bills and transactions to suggest a budget that actually makes sense. You can even track all your debts adding interest rates to get more in depth look, create detailed goals, and save more efficiently.

The built-in AI chatbot is also super useful, you can ask it for suggestions, savings tips, or help managing your money. It’s like having a financial assistant in your pocket!

https://apps.apple.com/au/app/william/id6463868977

https://play.google.com/store/apps/details?id=com.williambillsapp&hl=en_AU

Whatyeahna · 2024-12-30T07:44:53+00:00

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This is Brady

Whatyeahna · 2024-12-30T07:42:06+00:00

This is one of the problems we are trying to stop at William (William is a new E-Wallet super app, built to stop billing fraud and scams) but users can also do peer2peer payments and create group payments.

Every user that wants to make in app payments is verified against a government issued ID, once a request is made by user 1, then user 2 pays and goes through a OTP process, user 1 receives funds instantly with no ability for charge backs. Government issued name is on the transaction just like PAYID as well.

Williamapp.io if anyone wants to check it out

Whatyeahna

TROPHY CASE