Hi everyone, Just here to learn more and can't teach as I have limited knowledge myself. A little bit about myself; I'm 38, married with 2 kids. Been working overseas for the past few years, but looking to return to Aus soon. Still have my PPOR (paid off), and recently purchased 2 IPs in VIC for my nest egg. Trying to gather the guts to borrow more as my LVR is at 15%. My wife and I like investing in property, but we have not been comfortable in borrowing so much. I suppose this is because we were brought up in a culture of saving money, but unfortunately not on how to invest it. Right now, I am trying to somehow find a balance in our borrowing but also be able to sleep at night. Hoping I can learn much more from everyone.