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I do basically the same. I use the first calculation for net worth (including PPOR, investments, cash and super), and the second for 'investable value', which is only investments and cash.

Further to this, we cracked $2M equity last year, 4 years after cracking $1M. We're taking a conservative approach, and I hop to crack $3M within the next 4-5 years, then add $1M every 3-4 years after that. The second million was a lot easier than the first.