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My first property cost $325k and I got an LVR of 95%, so didn?t use all my funds to buy this one. It?s a freestanding house on a large block in Umina and these days you?d pay at least $100k more for the same thing, so I?m very happy with it. This was followed by: Woy Woy, Rockhampton...

That sounds strangely familiar. My goal is to have $100k(2010 dollars) of passive income by the time I?m 40 and I started down that road when I was 27 while renting and with a wage a little bit less than yours. The difference is that I didn?t have a partner at the time and I didn?t have any debt...