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Yep. You've done very well Skater. Well done. Made a decision, devised a plan, actively worked the plan and kept focus. A very important real life lesson for someone just starting out.

I keep a few 100k buffer atm...when I fully LOE it will be a $mil min.

In my experience the best form of a buffer is a LOC kept topped up to maxinum 80% LVR where ever possible -you only pay interest on the balance not the credit limit. Credit cards are no good, and saving for a cash buffer is just down right inefficient and unpractical and severely has an...