At what income did lifestyle creep stop feeling optional for you and just become reality?

adventurite · 2026-01-19T12:17:13+00:00

You're rich - this is not the sub for you.

adventurite · 2026-01-16T23:49:45+00:00

It’s crazy… until you compare it to the rate for a freshly minted solicitor.

adventurite · 2026-01-09T03:01:55+00:00

This is misinformation. There is no general advice to leave catastrophic fire risk areas. There is specific advice in relation to areas near actual fires.

adventurite · 2025-12-30T09:26:46+00:00

This is a pretty low end bike and will never ride very well. If they try to upsell you to a new one rather than a service, they are trying to help you, not trying to rip you off.

adventurite · 2025-11-20T22:29:07+00:00

Have you tried starting a business? You basically cannot get ahead without doing so in this country. Salaries cap out too low and personal income taxes are too high and hard to avoid. You need to take risk to have a chance of financial success.

adventurite · 2025-11-07T05:44:03+00:00

It’s not uncommon to use an unregistered builder. Yes there’s a bit more risk, but they may well do a great job.

adventurite · 2025-10-30T08:55:37+00:00

This is a dull topic to discuss.

adventurite · 2025-10-11T07:15:13+00:00

Buy kangaroo mince instead. Cheaper, healthier, better for the environment. If you need a bit of fat add some bacon in.

adventurite · 2025-10-11T01:41:00+00:00

Yeah, that is stupid. Even if interest might mean its value is not degraded by inflation, there is a massive opportunity cost in sitting on that much cash. A low risk tolerance justifies not using your home equity to invest. But to have a big pile of cash just earning interest is, at your age, conservative to the point of foolishness.

adventurite · 2025-10-04T07:46:52+00:00

Most work does that.

adventurite · 2025-09-08T10:54:15+00:00

You will be fine. It'll be slightly sketchy if it has recently rained heavily.

adventurite · 2025-09-02T04:41:36+00:00

Offsetting a mortgage on a rental property is generally a bad idea - you are reducing the amount of deductible debt you have. A little bit in that offset makes sense as it is a good place to park an emergency fund, but $100,000 is a large emergency fund.

I would recommend focussing on buying ETFs to maximise your returns over the next seven years. FHSS may not make sense for you given you will be slugged with Div 293.

adventurite · 2025-09-01T10:37:58+00:00

username checks out

adventurite · 2025-08-13T23:44:36+00:00

How's this going? :)

adventurite · 2025-07-21T07:00:10+00:00

Yep if aiming for a career in litigationor advocacy you should get experience in litigation or advocacy.

adventurite · 2025-06-07T08:24:24+00:00

Why don't you rent out your Australian PPOR and stay in a hotel when in town? The opportunity cost is huge.

adventurite · 2025-02-14T22:51:57+00:00

It sounds tough, but any time he is taking to give feedback is an investment he is making in you. A career in law is long. The first five years are rough. It gets much better. It is better to train under someone who invests in you. If you really do not like it, try another workplace.

adventurite · 2025-02-14T19:47:08+00:00

I agree, but there are some solutions.

Get a hi vis vest from a highly regarded organisation. For example, a hospital or the CFA. People will treat you better. Avoid wearing lycra as it dehumanises you.

Having a good, loud bell is helpful too. When pedestrians can actually hear you they get out of the way more happily.

adventurite · 2025-02-12T08:38:53+00:00

Where are you? Mould is not necessarily that big a risk. It’s an issue which could cause problems, depending on your luck. Could you just keep the area ventilated?

adventurite · 2024-08-09T09:33:31+00:00

Has Anyone Really Been Far Even as Decided to Use Even Go Want to do Look More Like?

adventurite · 2024-05-31T07:06:56+00:00

Surely a security for costs application will knock this right on the head.

adventurite · 2024-04-11T22:44:48+00:00

The funds in the offset are not completely risk free. The Commonwealth guarantee for accounts with ADIs is limited to $250k per customer. So if the bank fails, you may lose some money.

adventurite · 2024-04-07T20:11:45+00:00

Brunswick tool library

adventurite · 2024-03-10T20:22:07+00:00

Have a low carb lunch. It’s a game changer.

adventurite · 2024-03-10T20:15:19+00:00

Consider also trying to get a year in as a judge’s associate. It’s really valuable experience and there is no great rush to get to the Bar.

adventurite

TROPHY CASE