My income is 91k p/a, plus ~11k USD worth of stock in a very large US technology company. I currently own a PPOR apartment, mortgage at -394k. Value ~550k, equity = ~156k. After tax I take home 70k per year, I spend about 35k of it on mortgage, bills, and living expenses. Have been able to live relatively frugally as I bike to work, and am pretty tight with money. I'm currently saving the other 35k to buy an investment property (have 20k saved up so far, currently in offset account).. Have 17k USD worth in vested RSUs. My aim is to retire before I am 30 by saving very frugally and investing it well, do you think this is achievable?