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But when your friends have no money when they are 45-65 you will be LAUGHING. Time to attack investing in the same way. Find a good yielding property. I would assume you are handy and can buy something that needs a coat of paint or a cosmetic improvement. Borrow something like 70%, but...

Flightcrank, Inspiring stuff Flightcrank. Well done and great to have the guts to post and 'admit' you have a low salary. A low salary is an advantage. True. You don't have a massive income to replace. I agree full with Mary & Mat and Bricks and Mortar. Go out and buy little rental...