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5 mil in gross is fine as long as it is an interim goal. I used to freak people out by telling them my debt goals. As a 22 yr old I told people I wanted to OWE 1 mill by 25. I got there but it was kind of irrelevant and just a step on the way but nothing wrong with different ways to describe...

You have lots of options but I would suggest waiting for a correction in Sydney is not the best one of them. It could be a while and when it happen the correction could cost you a lot. Opportunity cost is a big deal.