Hi guys, Due to @kierank fault of making me feel like an ignorant with his post in the NYE and Plans for 2020, I decided to create a new thread as I have no idea really where to go since reading kierank's post. Sometimes I think we were too late to the party, partly because of our decision to come to Australia almost 13 years ago. As I said before, we just became permanent residents about 4 years ago and since then we started to save for a house. I don't know if it is because being International students somehow limited us to survive the day to day life and you just worked during that time to pay for university fees. So for that reason, (maybe ignorance?) we didn't plan the way kierank suggested us to do. Today I'm 43 years old and my wife will be 40 next week. We both work (she earns more than me ). Am I mistaken of thinking that we are too late? Our combined salary is about 116k after tax. We did a projection before buying the house that in 5 years we could save for a deposit for another property. But then 2 months after moving in it feels like a mammoth task. It seems I have become impatient, and I'm delaying some things we need to do at home so we can have a bump in our offset account. Wife is not interested in money. I'm the one in charge of finances and the "planning" of things needed to do at home. Baby is on his/her way, it was confirmed yesterday, we are happy about that but I'm a bit worried about the financial side now with the baby. It seems I'm in panick mode I'm an IT guy, wife is a physiotherapist. Because of my deafness (since 4 years old) I have always had to work harder than everybody to get where I am. Sometimes I feel tired at the end of the day or in general. My knowledge of IT is nothing special, I work at a school as an ICT Support officer, people appreciate me and work environment is very good. I can say I'm very confortable in the job that I don't want to leave it as it is very hard for me to find another job being deaf. I did cleaning for about 9 years, at some point I worked 12 hours a day to pay for my wife university fees. Don't think for a moment I'm not happy. It is just that my mind is "working" or worried all the time about things. Wife is happy but she is worried a bit since we moved as I seem not to be enjoying the house according to her. I feel I just told you all my life guys, I would like to read some wise comments from any of you, I will appreciate it.