I'm sorry but you pay more in tax than I make in income! This sounds like your lifestyle creep has chewed up your money stream. Despite my significantly lower income, I manage to own my house in Melbourne. With your income I could have it paid down in a few years at most.
I'm in a similar boat, and can relate to the on-going management and suppression of lifestyle creep in order to reach worthwhile goals. It feels like a never-ending battle, even after 20 years.
Good job paying that off. I’m sure Australia has benefits for some but without kids, not having grown up here, paying my own insurance and not driving I don’t really see it.
