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Some people don't mind being stuck in the same sleepy city. I'd be guessing that it is quite possible your friends who bought are very happy with the path they have taken, just as you are happy with the path you have taken. Can you tell I'm one that bought early and has been in the same place...

I'm curious about whether or not you have ever had someone in to share the rent, or have you reached nearly 40 and always rented a whole house or unit on your own? I would hate to share with a stranger, but would share with someone I knew in order to save, even for a few years. Or perhaps...

Our son at age 22 bought his first unit. One year later, he is about to move into his first house, half share (renting out the unit). It can be done, even on a salary less than "average". You just have to lower your expectations (as we all had to when we first bought) and compromise, and work...

I've never, ever been asked by a bank to repay a loan for house over 8 years or 12 years. Loan terms have always been 25 or 30 years from memory. My first proper "housing loan" was when I was 23, nearly 30 years ago. I would be interested to hear whether anybody has been told to repay a housing...

You are kidding, aren't you?

Maybe dump was not the right word, and it was being lived in, but "liveable" only just scrapes through :D. Shower came up to son's chest, so he could have knelt to shower but when we gutted the shower it was so wet and had been leaking so badly that I don't understand why the unit beneath it was...

Couldn't agree more. Son who is buying his second house and will rent his first unit bought at $290, 4km from the city, dump. First home... yes. He used to whine that he could never afford a home, until I showed him it could be done.