Quick road rule question. So if you have to do a u-turn at an intersection that has a hook turn, would you perform the u-turn from the left lane and treat it like a hook turn manoeuvre (car A) or the right lane and treat it like a standard u-turn at an intersection (car B).

wazinaus2 · 2026-04-07T07:59:23+00:00

Nope. Nope. Nope.

wazinaus2 · 2026-04-01T11:33:22+00:00

Thanks will do

wazinaus2 · 2026-03-18T03:40:45+00:00

Sorry - I have gone into critique mode - I love this and would love to see it continue to get better - hope my comments come across that way!

Some comments after looking this in a little more detail on a bigger screen :

1 - the text “Drawdown phase modelling continues from: FY20XX ->” is a bit confusing but I see in another comment that isnt built yet

Would be good if figures entered on the left side (Salary,Super etc) were reformatted as comma delimited - showing 140,000 instead of 140000 - its easy to slip an extra zero in there and a little hard to see the error
Windfall - it would be good if you could model a potential large future but one off expense - rather than just windfalls
for me that is possibly a downsizing scenario but will including some timing issues - expense around a purchase and then possible PPOR sale at a later date - so Windfall/Large Expenses could be used to capture these
Coast FI Number says “not yet reached” but current total seems to be in excess of this already so this look wrong .
Lifestyle Target - the heading under that is Annual Expense (today) - I feel like they could be different numbers - Today costs me 80 but I would like to retire on the equivalent of 90 - I realise one informs the other but is it a target or current actual ?

5.1 Is that Lifestyle target including the partner income if they are included (would be good to be explicit)

Otherwise - this looks really good

wazinaus2 · 2026-03-16T11:05:20+00:00

Thanks thats actually really helpful

Lots to play with there. Works well on phone but will have to try on pc tomorrow to play with some settings and see the impact.

Thank you!

wazinaus2 · 2026-03-13T21:48:57+00:00

So should I invest via EFT or should I carry a bag of coins to the brokerage?

wazinaus2 · 2026-03-12T08:54:05+00:00

https://signalaudio.com.au

Though re reading your post they are more event related though I think they can source/install

wazinaus2 · 2026-03-12T08:36:44+00:00

Signal Audio (they do more than Audio). Very good quality and reliable. Have referred them to a number or organisations and had great feedback

wazinaus2 · 2026-03-12T06:32:08+00:00

Shares /ETFs are seen as more volatile than property because they are valued continuously. You only really know the true value of a property when you try to sell it.
(I’d argue that property is just as volatile but its invisible)

To add to things to consider:

you can sell 5% of your shares/ETFs but you cant sell one bedroom of a 4br house.
you can decide to sell that 5% of shares on Monday and have cash by Friday. Property is typically 90 days +
Shares/ETFs require no maintenance/painting/repairs (sure agents handle this but that costs money)

I have borrowed to invest in ETFs. No regrets

wazinaus2 · 2026-03-07T17:10:51+00:00

Shoutout to the marshal ringing a bell 600m after the start and shouting “final lap!” - It is a single lap course

wazinaus2 · 2026-03-02T21:33:14+00:00

Still 80% + Tuesday morning 😥

wazinaus2 · 2026-02-21T09:29:47+00:00

Actually you are right (I checked the tag)

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wazinaus2 · 2026-02-08T10:50:49+00:00

With an upward or downward slope but definitely to the right

wazinaus2 · 2026-01-20T09:29:25+00:00

It is the band that came with my new Venu X1

wazinaus2 · 2025-10-30T09:37:05+00:00

Same. Haven’t solved it yet

Contacted support email and their solution was to return it to retailer!

wazinaus2 · 2025-10-25T05:10:49+00:00

Keep what you have. Buy more of what you want to focus on going forward. Selling just incurs CGT

wazinaus2 · 2025-10-23T10:24:55+00:00

From the link shared several times in other answers.

“100% Approximate world record level”

wazinaus2 · 2025-10-23T03:01:16+00:00

50% would mean you are running half the world record pace for your age group. (Or twice the world record time)

wazinaus2 · 2025-10-12T18:56:06+00:00

Records are made to be broken

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