I feel like I have hit a standstill and am not sure where to go from here. We moved into our IP (better location) and sold our old PPOR (had contaiminated the loan and decided it was the best step forward). We were planning on buying a larger house in this new location, as an investment, and then moving into it a couple of years down the track. But since then changes to servicibility have really shot us in the foot with regards to our plan, especially as a bigger house in this same area would cost at least 600k (that's for a 4bedroom. The 5 or 6 bedroom we would really want is actually between 750-900k.) Our servicibility is only around 200k currently (give or take). So that plan is currently off the table,at least for the next 3 - 5 years. Ive looked into shares and managed funds, etc, but find myself hesitating. I don't feel confident in that area, and feel the money is probably better sitting in the offset in the meantime. Thinking I may need to start considering a different strategy for property investment instead. Maybe units instead of houses, or finding that elusive positively geared house somewhere. Just finding myself at a place where the road splits in many directions, and I am hesitating over taking any of them. I feel like I need a clear idea of where I am planning to go, before I start along a path, so I don't start heading in the wrong direction. But another part of me is screaming that any direction is better then going nowhere at all, even if I do find myself having to make a detour or two along the way. So has anyone else in here ever reached a point where they have stalled and seem to have no idea what they are doing? What did you do to get moving again? Is there anything you would have done differently in hindsight when you did move on from this point?