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True if the income is significant. If you have no PPOR debt, modest means, cover basic costs you may still be under the combined tax free threashold (currently 22k combined - will soon be $28k combined. This isn't counting the other government benefits such as full Family Tax benefit for...

Well done on your path to financial independance Have you considered paying expenses and interest in advance in current financial year then live off IP cashflow in the following year. This would give you+wife a year off work to spend with the kids. I agree that it is vitally important to...