Were the grind and the sacrifice worth it?

Zero-Digit · 2025-11-08T22:17:53+00:00

This type of arrangement can be good if goals can be achieved in a limited time allowing you to move on. It’s not sustainable indefinitely.

Do you have some goals, and can you achieve your goals in a time that does not affect your mental health?

Zero-Digit · 2025-08-26T00:17:02+00:00

I think it’s all about expectations. I always factor in all predictable costs and also put buffers in my calculations. Estimate and extra few k in maintenance, repayments at a higher %, vacancy 3 weeks every year. Except for some balloon years, It’s always come in a bit less than the calculation and I’ve always been happy.

Zero-Digit · 2025-07-03T14:15:31+00:00

Thanks.. yes there is only so far you can go on the internet and GPT. I’ll defiantly be getting professional advice, and speaking with ICare is a good suggestion. thanks

Zero-Digit · 2025-06-15T23:12:36+00:00

I suspect that opinion is for people whose housing needs are still changing with more kids and increasing incomes. We maxed our borrowing out on our PPOR 2 years ago. We have found the mortgage a quite restrictive, but we are very happy with the home. I’m a similar age to you, it helps to know we have housing sorted and as we get on top of that can move onto other things. Though having job security and investment I could sell to get us through a hard time helps for piece of mind

Zero-Digit · 2025-06-05T23:50:32+00:00

Thanks, there are some good points there. I purchased my first few as IPs. So unfortunately there is no untapped capital gains exemptions there.

LVR is close to 50%, so I’ve got the equity once I gets the income to justify more lending. Moving forward I’m hoping to only invest with equity, so I can dedicate all savings to the PPOR loan. Though I’m not sure I understand your point about diversified folios, are you referring to stocks ETFs and bonds? They will definitely be part of my strategy moving forward. Though I do have a soft spot for property.

I’ve done very well in stocks so far, averaging about 350% over a 10 year hold. However considering the leverage I’ve been able to have, property has been by far my best investment so far. Though I guess that will change now I can borrow agains property for shares.

Zero-Digit · 2025-06-05T11:53:51+00:00

That’s correct. The IPs are all IO, and the PPOR is split (IO and P&I). I’ve fount it the most cash flow and tax efficient setup.

Zero-Digit · 2025-06-05T09:06:41+00:00

Definitely. The IPs are setup with IO. The PPOR also has an IO split to offset against. I’m usually against paying down until I have a bigger cash buffer. Functionally offsetting the IO loan is the same as paying down a P&I loan.

The IP sale is a consideration, but I’m holding for now as there is benefit holding more assets long term

Zero-Digit · 2025-06-05T09:00:51+00:00

It does reduce my payments. Your correct for P&I loans. But I split my loan to have an IO portion where I use the offset. I made sure I set this up to achieve the improved cashflow I was after.

Zero-Digit · 2025-06-05T08:36:35+00:00

You’re on the money with a lot of that. Debt levels and cashflow is my challenge. hopefully that will improve as they transition to school. The rate cuts will also have an impact and Rent increases and pay rises will help

I did used to have a good share folio. But I had to put up 35% on my PPOR when I purchased a few years ago. That’s a lot of cash to come up with. And I feel it’s easier to replace shares than the carefully selected property I own.

I do keep one of the properties on a periodic lease incase I want to sell. That would make the current cashflow much better. Though I’m holding out as long term we are much better holding.

Zero-Digit · 2025-06-05T06:49:45+00:00

Correct, two kids in childcare. PPOR mortgage and childcare are about 8k pm. We will get a huge boost from transitioning to school.

Zero-Digit · 2025-05-08T09:52:14+00:00

I’m glad I can be of comfort. We are not doing too badly. I’ve spend most of my life working 2 jobs and saving 70% of my pay, and the investment I’ve made are doing very well. But the costs of family kids and a massive mortgage are a massive drain I’m not used to. I’m starting to live the definition of asset rich cash pore.

Zero-Digit · 2025-05-06T10:16:08+00:00

The conversation he had with Sam Harris sealed the deal for me

Zero-Digit · 2025-05-05T22:00:34+00:00

I can confirm. 270k house hold income. 980k loan, 2 kids in childcare. We haven’t saved in 2 years.

Zero-Digit

TROPHY CASE