Btw I don't disagree with you regarding the challenges of finance new investors face. However I do think there is more than 1 way to skin a cat and while debt reduction will be a good option for many, there are other options , especially for those who have little debt and good income/ serviceability . Ultimately a wall will be hit but if your holding great assets in the mean time then I think you'll do well. Can also add value then realise profits, reduce debt and repeat again. Not for everyone but there are other options.