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Actually, I would argue that these days, a "modest" home is more likely to be an apartment/unit/townhouse rather than a detached house. And definitely with a mortgage. Our first PPOR certainly will be (once it's built) as we decided it was more important for us to live close to work and...

You can have/do nice things but not every nice thing. I'm very new to investing but it is currently a priority of mine to minimise spending on things like eating out a lot, buying lots of useless consumer-y products etc and instead put that money towards travelling because that is something that...