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Not at all, given your current position. The way I see it, is that the only difference between investing and gambling, is how much you know. So, at the moment, buying property is something of a gamble for you. Researching it and learning how it could generate wealth for you, is a good start...

Just so far as taking inflation out of the equation when discussing returns on a savings account; do you consider the same when looking at returns on property, as well?