All, Have always had the goal of being financially independent as early as possible. But have never really had a strategy, more so just accumulated at the time. ***Edit - recently realising that we can only borrow another 530k before hitting a serviceability wall has made me think, do we have the right investments? Am currently 35 with 4x IP's (1 on the market to sell), around 320k in super and a reasonable income. No ppor, but looking to purchase in the coming 12 months. Where do people start with their detailed strategy and work towards it? Is it retirement income, then back calculate? Life goals? Are there any programs or spreadsheets people would recommend? I don't think I've done poorly so far, but don't feel as though I am doing the best possible.