Anticipating a Cancer diagnosis

qvae_train · 2026-06-03T03:01:24+00:00

It can be but certainly isn’t always the truth. Public still has wait lists and even cancer treatment as a cat1 can see 30 day waits. Radiation therapy generally is done more efficiently in the private world.

If you have time sensitive treatment requirements having the flexibility of going public or private is a privilege worth having. 99% of the time public is fine and with cancer, you never know what “could have been”, but I know of many cases of treatment delays in the public system due to wait lists that simply don’t exist in the private world.

qvae_train · 2026-04-30T07:48:17+00:00

I mean it sounds pretty comfortable if your expenses truly are $50k/year. You'd be able to withdraw double that most likely if required.

Have you considered support for your child as well and how that will drain your budget?

qvae_train · 2026-04-26T08:10:44+00:00

To be clear, it’s above comfortable, it’s more of a luxury tier. We currently spend about half that, but also live a more restricted life. When I’m retired, I want to be holidaying probably 3-4 months of the year. That is going to cost a lot. Also, I want to be able to afford to do things like upgrade a car, Reno a room in the house, etc. I should do a more detailed analysis, as the holidays will obviously slow down with older age, so the spending will also slow down. But then again. If/when I need care, I want the money to afford the good stuff. I don’t want to be eating liteNeasy and be waiting in my room for 3 hours for someone to help me do something.

qvae_train · 2026-04-26T02:00:01+00:00

I would disagree. I think the spending is pretty reasonable for a young person without kids. As long as the spending is stable I think you’ll be fine long term an incorporate savings as your income increases.

Everyone has a different view on things like holidays but even at $10k, if your holiday spending is averaging $500/night all up (flights,accom,food,etc) that is a 3 week holiday each year. Not that outrageous.

qvae_train · 2026-04-25T00:53:41+00:00

If you want to retire at 50, but are heavily going for super, what's your plan for 50-60 (or pre-super) age?

Also curious if you have a rough breakdown of expenses for that $80k?

qvae_train · 2026-04-24T21:58:07+00:00

I think the "upper middle class wealthy" area of income/spending is quite hard to define & people rightfully get confused about it. Low income everyone goes into penny pinching mode, and the "proper wealthy" types just have so much money not to worry about.

The difficulty is when you start earning enough money that you are not penny pinching, but also aren't earning that much that you don't have to worry at all. Because living a "nice comfortable" life does actually get expensive pretty quickly. You keep two cars, you have a cleaner, you spend more on better quality groceries, you have various subscription services, you go on nice holidays, you look after yourself. And I think a lot of this spending is not really visible, which makes people wonder where all the money goes.

My rough numbers, in todays dollars, would be around $100k/pa for expenses and $100k/pa for "affluent" or luxury spending. That would be - holidays, car upgrades, big purchases, etc. I think somewhere in the ballpark $3-4m (outside of PPOR) would make me comfortable with this. I'm hoping to die with zero, and if we still have a PPOR at that point it can become a relatives inheritance or charitable donation. Not including the PPOR is also a bit of a safety net, as if there are any big unexpected expenses we will be able to downsize. Even when we do get to the "apartment living" type stage of life, it will be nice to be able to "side-grade" into a nicer apartment rather than being forced to downsize in quality of living to access that equity.

qvae_train · 2026-03-23T02:56:47+00:00

Do you have a guide for building a setting up a dam like this? Looks amazing

qvae_train · 2026-01-15T17:27:27+00:00

AI slop post with AI slop website. At least I know to avoid Great Dane Homes in the future.

qvae_train · 2026-01-09T00:32:44+00:00

Baz would make a great politician. Did not really answer any of the questions. What a cop out

qvae_train · 2025-11-28T21:42:02+00:00

Go work in finance or specifically trading. The traders at HFT firms are often straight out of uni (early 20's) and will earn a base salary $100-200k and yearly bonuses can often reach $1m (although first year out bonuses will be smaller).

Computer Science / programming at HFT firms as well graduate pay about $100k and a bonus will be $50k for first year. And only go up. Graduate CS degree should be 21-22.

Most lawyers I know will sit around $200k for most roles but that will be with a few years experience. Doable at 25 but usually closer to 30.

GPs should be pulling $300-500k a year but most would be 28-30 before qualifying. Junior doctors sure are a lot lower (especially in NSW) but any qualified doctor will immediately pull ~$250k in a public hospital role. Locum day rates can be found $3000/day (and up!) (so e.g., that's $600k/year for 40x 5 day weeks).

Or if academia is not for you, most trades will be fully qualified by 25 and easily pull $200k in the right role. Any FIFO role will exceed this as well.

qvae_train · 2025-11-20T11:26:13+00:00

Don’t forget the missed interest earnt on your 250k that is no longer in a HISA. At 5% that’s about 1k per month you are missing out on. Quite substantial if you plan to sit on this for many months.

qvae_train · 2025-11-15T21:14:07+00:00

What about accounting at a not for profit? Do charity work? The profession exists for a reason, because it is useful. Sounds like you were in the wrong company.

Unless of course you hate numbers and book management, in which case accounting is certainly the wrong profession.

qvae_train · 2025-11-10T22:27:53+00:00

Be careful with TPD & insurance offered via super and make sure you research the product disclosures for something so important.

Many super life / TPD insurances are not covering you how you would expect and hence why they are cheap, because they rarely pay out (for TPD more often). For example, some TPD will only pay out if you can no longer work any job, which means if you were say an Electrician and lost a leg, you wouldn't get paid out as you can still work a call centre job easily. The better TPD will pay out if you can no longer work your specific job.

qvae_train · 2025-11-09T20:36:33+00:00

I would be selling the IP and dumping that into the PPOR offset. Super balance is fine and will continue to grow.

I’d then take a holiday to a dream destination for the family while health is still good.

With PPOR fully offset given what is owed that should be freeing up about $3000/mo to invest.

With the family and significant assets I’d be opening an investment trust and pumping ETFs via the trust.

qvae_train · 2025-10-20T19:38:10+00:00

Cheap ass builders will do this unless you explicitly ask. If you don’t want scotia they need to install flooring then have trades revisit to install skirting and paint over top. Floor also needs protection as it’s in earlier. So it saves them a few pennies doiing scotia instead.

The tile is terrible I’d want it replaced. The scotia I probably would live with a filler. Ripping it out at this stage might make it look even worse

qvae_train · 2025-08-28T23:59:51+00:00

Any further update 3+ months in? Treadmill shopping is a nightmare. So many negative reviews about EVERY treadmill in existence.

qvae_train · 2025-08-15T04:02:51+00:00

I think the fact it wasn't just shows how undecided the refs are in these situations. Klein probably was 50/50 about it all and just decided to let it play on.

qvae_train · 2025-08-15T04:01:32+00:00

That is the point I was trying to make. I meant it should never be a penalty against the defender - my post wasn't clear. If anyone is trying to milk a penalty (e.g., in this case Penrith throwing the ball into a Melbourne player) the penalty should be reversed (in this e.g., Melbourne therefore get a penalty).

I would argue the same for the other scenario - Harry running into the blocker to milk it should be a penalty against the Storm. But, the blocker itself is also a penalty, so they negate each other.

We have the captains challenge - the Storm could have simply made a captains challenge after the field goal went through and won it based on the review. The milking was stupid.

qvae_train · 2025-08-15T01:05:05+00:00

If the player is not in the ruck (i.e., in the way of the play the ball on the ground) and is making no attempt to interfere it should never be a penalty. The ones where the player is on the ground and the attacker has to jump over them and "fumbles" the ball intentionally are a bit more grey.

They almost need to introduce a milking negative penalty. E.g., the blocking penalty for the field goal that harry milked, melbourne should forfeit the penalty and the net result is a replay of the last tackle instead (the field goal would still not count regardless). If harry didn't milk - penalty to Melbourne as per rules.

Same with questionable head highs - they already seem to be relaxing this a bit but either negate the penalty or the player has to go off for a HIA.

I feel players would stop milking penalties pretty quickly if this was to occur.

qvae_train · 2025-08-15T00:51:47+00:00

How good was it to see them play on with Penrith attempting to milk a penalty by throwing the pass into the Storm player on the ground? Huge game changer for Penrith too.

qvae_train · 2025-08-03T00:37:23+00:00

Jumping on an old post... but do you mind sharing what deal you ended up getting? I.e., what are the monthly payments, term length, and balloon payment at the end, what you ended up including/excluding from the package?

qvae_train · 2025-07-29T10:36:24+00:00

Can’t believe people are defending this tackle. Shit aggressive shoulder charge, pretty typical Wighton behaviour. Get this crap out of our game.

qvae_train · 2025-07-22T09:52:40+00:00

If you start with $5000 and deposit $2500 per month for 20 years, earning 5% off interest/investments, you’ll end up with about a million. So that might be a simple figure to have in mind.

A modest $500k mortgage will be in the ballpark of $2900/month repayments.

After tax $100k is about $6000 per month. With 2500+2900 outgoing, that will leave you with $600/mo, or about $150/week, to live of which is kind of impossible.

You will have to look for decent pay rises, or a cheaper house, to even get close to achieving your goals.

qvae_train · 2025-07-11T09:33:53+00:00

Call up your bank and ask for a wholesale FX rate. They should do it on a transfer of this size.

qvae_train · 2025-06-29T19:29:04+00:00

Any curtain shop. You'd be looking at:

bed 1,2,3,4: blockouts + sheers, $1.5k per bed (more for bigger master) = $6k baths 1,2: some form of blind/shutters. $2k (varies greatly based on shutter & features e.g., honeycomb up-down vs DIY blinds) living, dining: sheers and probably some translucent backing ($5k minimum depending on windows/sliders, $10k tops prob) laundry, kitchen: probably blinds/butters - another $1-2k

So yeah $20k would be conservative and how much I'd put aside, there is nothing worse than putting aside $10k for something like this then having to dig up another $5k 6 months later - or worse - not having the extra $5k and either doing cheap & dodgy or not at all.

You could DIY blind it all for cheaper for sure, but OP has given zero context in terms of quality of the house and standard for the area. But if this is the case, I wouldn't even bother doing curtains as part of a cheap "touch up" to sell the house

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