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Your dad sure had it tough. I can only guess from your post that your dad spent money rather than invested? If so, I could understand why. My brother in law is an oncologist and he has a similar view of money - enjoy it now while you can. He sees many people whose time has been cut short by...

I am also a Gen X. The HECS debt can be paid gradually over time through the tax system. I hardly noticed the fortnightly amount being taken out of my wage over the years to cover my debt - which is now fully paid off. Initially, I too went without luxuries - new furniture, cars etc and put...