Kinda following on from my post in this topic. And I kinda feel inspired by your positive coments. http://www.invested.com.au/85/scary-stuff-17045/index3.html I've been a lurker at SS since early 2003 and I've been here for a yr but I'm not much of a poster. Here is part of my story. My strategy has been cobbled together from a number of sources ie numerous books, seminars, discussions on websites and paid financial advice. My entire investment portfolio (excluding super and my ppor) is now breakeven to cashflow positive and stands at $900k. With my ppor and super it amounts to $1.6m. I have to conceed that this portfolio was built on my salary which is around $130k atm however my wife doesn't work (our choice) and I have 3 kids 5,3 and 1. My strategy was put to the acid test late last year when due to a lifestyle choice ( I decided I didn't want an ulcer before I was 40) I threw in a job that had the potential to reward me more than $200k pa. I held this position for a couple of mths and therefore it did not affect my ability to build the above mentioned portfolio. So what ? I didn't work for 6 mths. Sure I watched my pennies, but it gave me time to find the right company to work for. I took my son to his first day of school, my daughter to her first day of pre school, my youngest's first steps, I took my kids to swimming lessons, I co-coached my boy's soccer team and various other boring family duties I also surfed my bum off ( I still have the remnants of the tan). Its a big leap of faith when you have $1m of debt and 4 dependants and you tell your boss you aint workin there no more and you aint got nowhere to work tomorrow. It really opens your eyes. Especially so when your boss realises that in actual fact "he aint the boss of you", not in a real sense. And he isn't able to do what you do. And its weird when friends / relos ask you how you get by paying the mortgage when little do they know you have over $1m in debt. And the ones I know have open minds I open my books to and show them, the others I kinda shrug. And to me its still weird, knowing that 9 yrs ago we were both working, renting, not really hoping, just grinding away to save a deposit for our first joint wondering as the market started shifted gears if we would ever get to buy our own place. This achievement to date is ours, we researched the markets, evaluated the deals, ran the numbers and paid for good advice. And that's my advice, pay for good advice. And credit where credit is due the following people have helped me immensely on my way. Rolf Latham from ASAP Financial Services. Nick Moustacas from Strategic Wealth Management Steve Navra from Navra Invest and Navra Financial Services. Dale Gatherum-Goss. This has been my experience to date. It aint over yet.