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From the little I've seen FF, it appears Adelaide school fees are similar to Brisbane, and some even higher. i.e. Walford Anglican School for Girls has a tuition fee of $15k pa. Brisbane non Catholic schools are ~10k, Catholics ~$7-10k. I used 22k to cover two children's fees and the accessory...

tick the one which you think doesn't apply - sinking fund to replace cars - safety margin to accommodate higher interest rates - paying private school fees

[/COLOR] forumite, it would be exponentially more helpful to volunteer your cash flows so ff can compare his situation more objectively with yours :) otherwise it's oranges and apples.

And cash flow should be your first and last concern FF. It is fine for others to spray you with messages of positive thinking, but at the end of the day, you will be dictated to by the numbers and your willingness to adapt if things demand it. I've messed with your scenario and question your...