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As you say, each to their own. Some people (younguns) have time. At 50 I was looking at retiring on the pension :eek: so it's been a pretty hectic 6 years for me. No time to wait around for cycles. Have to admit this Sydney one has been kind to me though. But even without it I'd still be in...

You need to look at more than just the amount of debt. As others mentioned, it's relative to you assets. Some people are comfortable with a high LVR, others not. Find a % your happy with, balamce that with your cashflow and go from there. People at work say the same thing to me " how do...