September 2025
This is an entry of my thoughts, feelings and current position in life to share with others, I want to be transparent. I want to write about the things that I keep track of frequently, initially I wasn't planning to share this. However, I enjoy reading this type of thing from other people, so maybe someone out there will appreciate this.
I apologise if adding exacts amounts of money is insulting, personally I like to read other people's numbers, so I will share mine.
Honestly, working full-time sucks. Its slow, boring and not something I want to do forever. I'm 25, and I have already had enough. It’s not that I don’t enjoy what I'm doing, it just feels like a grind.
Balancing life with the things I want to do and the things I think I must do is exhausting. It feels like a repetitive process of work then play, work then play. I find it challenging, to think of the present and the future. I value the present but also have an overwhelming desire to set myself up for the future. Where do we draw the line? when can we sit down to smell the roses?
It’s important to set goals. And to reevaluate those goals as life changes. Invest in stocks and ETF’s, pay off the mortgage, travel, start a family and settle down, build my superannuation, save my annual leave, work some overtime and save my money, build on my relationships and create new ones.
I work full time as an electrician. I make a good income of approximately $100,000 AUD per year post tax for 40 hours of work a week. Approx $15,000 bonus yearly, 5 weeks of annual leave and can work as much overtime as I like. Currently, I'm in a decent position as far as jobs go.
I have a mortgage with my partner that we started in November 2021, we recently refinanced to access our equity. The mortgage started at $370,000 AUD but we refinanced to $430,000 AUD. We pay approximately $2600 a month off the mortgage, with no extra repayments currently. The mortgage account sits at $430,000 with $130,000 cash sitting in offset accounts. The interest is 5.44%. We are comfortable paying this off slowly.
Our finance goals have been set to align with our current income. Our goal is to have approximately $500,000 invested in stocks and ETFs by the time we turn 30 years old. Our current income allows us to invest $4600 a month. Which is a target we have budgeted for and are trying to hit consistently. Assuming an annual return of 8% we can achieve this goal.
We do currently have $115,000 invested in ETFs, which we add to once a fortnight as our payslip arrives. We have been slowly contributing to this since 2019; however, we have really picked up the pace on our investing frequency.
I also enjoy contributing to my superannuation. I am receiving 12% of my income into superannuation which I also salary sacrifice $300 a fortnight into. I'm comfortable with the direction that my superannuation is heading, assuming a retirement age of 60 and a 7% yearly return.
Although, I would like to retire earlier than 60, and that’s another one of my goals. If I have it my way, I won’t be working past the age of 50.
Currently my partner and I combine our incomes, she makes approximately $52,000 a year as a receptionist. Together we live comfortably with our household income. Fortnightly we make approximately $5800.
We split as follows:
The rest is for our bills. We have lowered our holiday allocation recently after our big holiday and to increase investing capital. If we don’t use our discretionary spending, we save it and let it accumulate for bigger items we may want. Currently we have $130,000 cash sitting in our offset account. $32,000 set aside for emergency, $65,000 for renovations, and $20,000 for upcoming lease car payout. I have a lease car through my employer as a strategy to reduce my taxable income. We have tried to keep it simple.
My partner and I are home bodies when it comes to life. We enjoy eating in, watching movies, cuddling our cats, rotting in bed and going on picnics to watch the sunset. We do enjoy travelling, we went to Central Europe in December 2024 and January 2025. Starting in London we travelled the following route.
We made a lot of friends along the way, and it was one of the best decisions we had ever made. We had travelled in the past, we did a cruise to the pacific islands, we went to Bali. My partner had travelled a lot more than me in her youth. She did China, Japan, New Zealand and America. We enjoy travelling, its an opportunity for us to be together in an environment that’s new.
My next goals in life are to get married and start a family. We are engaged, pending wedding. Theres also a bun in the oven.
I can’t wait to write this again at 26. I'm going to reflect on this entry and compare in 12 months.
Please ask me questions as I want to share more, but as my first entry this seems okay.
EXTRA:
I want to share what I initially wrote which is all that is above, I wrote this in maybe 1 hour and spent 1 hour rereading it. I appreciate what I wrote and how I felt writing it, but I can't help but feel a little selfish also. To say working full time sucks, while also leading a pretty comfortable life with a stable income and the opportunity to invest and travel. I feel as though I have been ignorant to those who might not even have the opportunity to work full time. Reflecting, I want to appreciate more that there are people in this life who want what I have. Health, a home, a stable job, a loving partner and the opportunity to invest and travel. Some can't even plan the next year of their life let alone the next 40 years. Maybe I should be more grateful, I am grateful, but I do find I put a lot of pressure on myself to do more when maybe the time to stop and smell the roses is every day.
This was fun. Thanks.
This is an entry of my thoughts, feelings and current position in life to share with others, I want to be transparent. I want to write about the things that I keep track of frequently, initially I wasn't planning to share this. However, I enjoy reading this type of thing from other people, so maybe someone out there will appreciate this.
I apologise if adding exacts amounts of money is insulting, personally I like to read other people's numbers, so I will share mine.
Honestly, working full-time sucks. Its slow, boring and not something I want to do forever. I'm 25, and I have already had enough. It’s not that I don’t enjoy what I'm doing, it just feels like a grind.
Balancing life with the things I want to do and the things I think I must do is exhausting. It feels like a repetitive process of work then play, work then play. I find it challenging, to think of the present and the future. I value the present but also have an overwhelming desire to set myself up for the future. Where do we draw the line? when can we sit down to smell the roses?
It’s important to set goals. And to reevaluate those goals as life changes. Invest in stocks and ETF’s, pay off the mortgage, travel, start a family and settle down, build my superannuation, save my annual leave, work some overtime and save my money, build on my relationships and create new ones.
I work full time as an electrician. I make a good income of approximately $100,000 AUD per year post tax for 40 hours of work a week. Approx $15,000 bonus yearly, 5 weeks of annual leave and can work as much overtime as I like. Currently, I'm in a decent position as far as jobs go.
I have a mortgage with my partner that we started in November 2021, we recently refinanced to access our equity. The mortgage started at $370,000 AUD but we refinanced to $430,000 AUD. We pay approximately $2600 a month off the mortgage, with no extra repayments currently. The mortgage account sits at $430,000 with $130,000 cash sitting in offset accounts. The interest is 5.44%. We are comfortable paying this off slowly.
Our finance goals have been set to align with our current income. Our goal is to have approximately $500,000 invested in stocks and ETFs by the time we turn 30 years old. Our current income allows us to invest $4600 a month. Which is a target we have budgeted for and are trying to hit consistently. Assuming an annual return of 8% we can achieve this goal.
We do currently have $115,000 invested in ETFs, which we add to once a fortnight as our payslip arrives. We have been slowly contributing to this since 2019; however, we have really picked up the pace on our investing frequency.
I also enjoy contributing to my superannuation. I am receiving 12% of my income into superannuation which I also salary sacrifice $300 a fortnight into. I'm comfortable with the direction that my superannuation is heading, assuming a retirement age of 60 and a 7% yearly return.
Although, I would like to retire earlier than 60, and that’s another one of my goals. If I have it my way, I won’t be working past the age of 50.
Currently my partner and I combine our incomes, she makes approximately $52,000 a year as a receptionist. Together we live comfortably with our household income. Fortnightly we make approximately $5800.
We split as follows:
The rest is for our bills. We have lowered our holiday allocation recently after our big holiday and to increase investing capital. If we don’t use our discretionary spending, we save it and let it accumulate for bigger items we may want. Currently we have $130,000 cash sitting in our offset account. $32,000 set aside for emergency, $65,000 for renovations, and $20,000 for upcoming lease car payout. I have a lease car through my employer as a strategy to reduce my taxable income. We have tried to keep it simple.
My partner and I are home bodies when it comes to life. We enjoy eating in, watching movies, cuddling our cats, rotting in bed and going on picnics to watch the sunset. We do enjoy travelling, we went to Central Europe in December 2024 and January 2025. Starting in London we travelled the following route.
We made a lot of friends along the way, and it was one of the best decisions we had ever made. We had travelled in the past, we did a cruise to the pacific islands, we went to Bali. My partner had travelled a lot more than me in her youth. She did China, Japan, New Zealand and America. We enjoy travelling, its an opportunity for us to be together in an environment that’s new.
My next goals in life are to get married and start a family. We are engaged, pending wedding. Theres also a bun in the oven.
I can’t wait to write this again at 26. I'm going to reflect on this entry and compare in 12 months.
Please ask me questions as I want to share more, but as my first entry this seems okay.
EXTRA:
I want to share what I initially wrote which is all that is above, I wrote this in maybe 1 hour and spent 1 hour rereading it. I appreciate what I wrote and how I felt writing it, but I can't help but feel a little selfish also. To say working full time sucks, while also leading a pretty comfortable life with a stable income and the opportunity to invest and travel. I feel as though I have been ignorant to those who might not even have the opportunity to work full time. Reflecting, I want to appreciate more that there are people in this life who want what I have. Health, a home, a stable job, a loving partner and the opportunity to invest and travel. Some can't even plan the next year of their life let alone the next 40 years. Maybe I should be more grateful, I am grateful, but I do find I put a lot of pressure on myself to do more when maybe the time to stop and smell the roses is every day.
This was fun. Thanks.
