Was thinking about my BIL today; he had a FIFO job in the S.A mines for a couple of years (during the boom). Previous to that he was in and out of jobs as a plumber, earning between $60k and $80k per year when things were going well. His income from the mine went up to effectively approx $140k when you factored in all food and other perks. He never did anything constructive with the extra dollars; despite me having a fatherly chat about how to handle this windfall. He and his wife are like most folks - live hand to mouth, have a mortgage and couple of cars, 2 kids...no investments, and not likely to get any... My suggestion was to pretend he never had the extra money, and put all of it on his house loan. Hypothetical - and may not even happen - but if you suddenly got given an increase in your income of say: $50k per year; what would you do with it?