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Disagree completely. I don't drink coffee, work from home and the car did a massive 3,000k last year, don't buy work clothes and can work in jeans and a t-shirt with bare feet. Lunch is usually a quickly made sandwich at home. Once I retire I intend travelling and doing a lot of fun stuff that...

I haven't analysed it too much, but hubby and I combined earn $220K gross or thereabouts a year, so without the mortgage and after tax I figured $100K after tax was about right - added 3% inflation per year (12 years) to reach a figure of $142K in the first year, $147K in the second etc etc. I...

I calculated that we need $2.5M (with inflation) to last from when we're 50 - 65 and super kicks in. Still intend having a couple of properties in case Super isn't enough. Plan assumes that the PPOR is paid off.