Last year I purchased an IP. I figure, since I want to get my LVR down that it probably wont be until 2018 that I make my next purchase Now I could put all the $35k plus interest into an account and have a deposit for another property. But, what's the point of acquiring all this property and wealth just to be well off when you're 50. Plus, decades spent with such an attitude would probably lead to me not spending money when I have it anyway. So, I have two houses while none of my friends even have one. There needs to be balance between enjoying what you have now and planning for the future. So I'm taking the hit to my serviceability and getting something shiny that I want.