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Great stuff, W2BW. And $40k isn't bugger all. I bought my first IP at age 22 when I earned $35k BEFORE tax. I think my after tax was something like $25k. Alex

Just goes to show that income, number of family members, etc don't have a direct correlation to the number of IPs that you have. i.e. with enough planning and budgeting pretty much anyone can build up a property portfolio. There's certainly no excuse for young, single people on good pay...