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If you have money but are too afraid to have a relationship, what's the point of having money? In any case, the knowledge to make the money remains in your head. Alex

Family courts aren't always on your side. Alex

You're aware that LMI is not a yearly thing, but something you would have paid when you took out the loan? I'm 30. I bought my first IP 8 years ago, and I only bought my PPOR a few months ago because I'm settling down. Even now, the gross and net values of my PPOR are only a small part of my...

I'm not following. Do you mean when you bought the property the LVR was below 80%? Or you used a product that didn't charge LMI even though you went above 80% LVR? Sounds like what I want to do, though I also invest in shares. It's a good complement to residential property, since they...

I'm surprised you went for 90% LVR on the IP, when you have that much equity in the PPOR. Why pay LMI when you don't have to? Why not just refinance the PPOR and go 80% LVR on the IP? What's your long term plan? A very standard step would be refinance the PPOR, take out the available equity...

I'm actually happier going it alone. No one to argue with me as to whether we should buy this property instead of that property! Alex

Put it this way, I think deliberately choosing poverty just because you're afraid someone will go out with you because you have money shows a lot of insecurity. I see having money / investments as just one of my characteristics. No different to, say, being tall, etc. Alex

To be fair, even if you start saving money when you graduate, and then buy whenever you are able to, you'll still be way ahead of most people. Alex

I graduated before I turned 21. Alex

I'm just wary of the emotional traps of owning your own home. You get attached to it, you want to do things to improve it, and you're not going to take as many risks with it. This is especially if you buy it as your first property. When you're young, it makes more sense to take more risks...

Personal circumstances apply. Just not the strategy I would use (or am using). I personally would choose a more aggressive strategy while young. But of course each to his/her own. Alex

An interesting choice. Personally, I'm doing it a different way. Keeping my IPs and using cash savings for a deposit on the PPOR. That means I'll have a chunky bit of non-deductible debt, but the cash effect is only loan amount x 7.8% x my tax rate, and I don't have to pay CGT because I'm not...

Got my first one at 22. I'm 30 now, though.