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It's like a business.....many businesses hopes to break even in the first few years and start making a profit after that. I've had 6 - 7 years of profit already. There's always a risk in any investment. Even if I break even or make a small profit, I'm ok with that. What I've learnt doing...

actually equity is better than income...not taxed and can claim negative gearing if it's an investment.

Since day 1 we have always been below ave wage. The problem isn't just how much you earn but how much your outgoings are and someone on low wage can still have higher serviceability than someone on a high wage. I think for serious investors, it's quite useful to learn how the banks work so...