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Yes, agree with ozperp. We each have different backgrounds, jobs, etc and our opinions are all affected by that. There really is no right or wrong way to organise your finances: they just all have different prices and results. If aussieboy wants to do it a certain way because he has certain...

Mate, you do what you want. Go ahead and buy that car. If you're just going to find excuses to not invest, you're free to do so too. Yes, you have a higher income than most. That means you can get rich faster, too. Can you imagine, say by your 40s, that you can do whatever you want? If you...

Yeah, and since when are we 'most people'? If you start early and make a decent salary, there is no way you should have to aim just at the 'most people' level. Alex

Bet against human behaviour at your peril. In your case, you're probably going to keep selling your own PPOR and upgrading. You'll end up with a kick-a&s PPOR in your middle to old age with no other assets to speak of. You don't have to believe me, of course. Mate, what did you score in your...

You're kidding yourself. As soon as you move into your PPOR you're going to be emotionally attached to it. Extra money will more likely be spent renovating the thing or buying things to put in it. And every dollar you DON'T pay into the mortgage, but buy another property instead earns you...

You buy a PPOR and pay it off as quickly as possible. What then? You still don't have anything that's income producing, and you have a home you're emotionally attached to. You're more likely to spend extra money improving the place than borrow against it to buy other assets. A better plan...

In terms of financial independence, that's not a very good plan. Alex

Senility will batter down that legal barrier in due course. Alex

Betcha the old man doesn't care what you think, though. Alex

Only live for the present and you HAVE no future. Harsh but that's how I've found it. Alex

Yeah, just go ahead. We can always use tenants with stable jobs on high salaries renting our IPs. Alex

You want some sense? Here: RENT the thing for a month. See how you like it. Do it as if the financial cost was the same as if you'd bought it. See how it affects your life. Alex

What the heck. Do what you want. If you end up loving the car, fine. If you end up thinking it's a giant albatross, then you learn a lesson. If it screws you up financially for years.... welcome to personal responsibility. Alex