A few have asked me what my story was and how I got onto property. Thought it might be interesting to share a bit of my property/general investing journey. My folks are a first generation migrant family and have been small business operators for as long as I've known (at some point probably reaching medium sized businesses). At various times they've invested in properties - albeit they are late comers and probably didn't really start investing until their early/mid 50s. Before that they made some small investments here and there - maybe a flat here or a unit there, but always sold out quite early and never held these things for more than 5 years+. So I had basically grown up in a business and investment environment. Parents weren't strict with money, and never really taught me about managing money or investing, but I probably picked up bits and pieces of mindset along the way and shaped it to my own needs. Dad's view was actually quite different from the way he lived life. Despite having made his living off business and investing, he always advocated studying well and getting a good job . Mum's view was simply do what you enjoy and if that's travelling, then you should go do it. For me, I did the whole "study, work when I have spare time and get a good job out of uni" routine. Started a few small business ideas (tutoring, programming) while at uni and dabbled in a bit of share investing as the mining boom kicked off in 2004/5 - got a little lucky and left uni with a small capital base (probably $100k or so). At 22, I got into what was a relatively well-paid job in my first year out. So in that sense, my journey is hardly that inspirational as I had a decent income and some capital. But I worked very hard for that income - probably a function of the industry and its people. Hardly left work before 12am each day. When I got into my job, I was pretty sold on the whole do this for 10 years, get promoted mentality. I knew I was getting myself into 80 hour work weeks, but I thought what the heck, if I don't do it now when am I going to do it. But after a year or so in the job, I just absolutely hated it. Hated going in at 8am, having a 15 minute lunch and working til 1am Mon-Sat, and eating dinner at my desk at 8:30pm. And this was very day. I eventually left my job a bit into 23, pretty lost on what I was going to do. I went into another industry (I had a double degree from uni), and did not enjoy it. Did 4 months of that and left. Eventually found another well-paid gig (for a 23 year old anyway) in the same sector I started out in, but by that point I was quite jaded by the industry. This I think was a tad after GFC (which I was lucky to come out unscathed of, as I had sold my shares in early 2008 to avoid conflicts with my job). With a bit of capital and a bit of income to support borrowing, I started thinking about what I was going to do and that's how I ventured into my first property plays, since I figured out I had no interest in working til 2am everynight so I can make a million bucks at 40. I remember at the time one of my best mate's dad (who is a successful subdivider in the state) told me property markets were going to fall through the floor because of GFC and I was pretty scared about it. Took me around 6-8 months looking for my first place, no thanks to that advice. Eventually I found a house in a very blue chip suburb in Melbourne (called Hawthorn) that was being sold by a church group for I think $900k. It was a pretty big house (some 700sqm), in a good spot (2-3 small blocks away from a train station and uni), but I remember at the time thinking how expensive that was. Eventually I convinced myself to buy it - negotiated the price etc and the church agreed to sell it to me for some 850k or so. A week later, the head guy in the church changed his mind and wanted to test the market at an auction. Then baam! It went for $1.5m at auction. I thought to myself, wow I could've almost bought that place for $850k privately and probably took it to auction myself and made $600k tax free like that in a few weeks. This was early 2009. I quickly realised these blue chip eastern suburbs have run/are going to run, so I quickly went to the inner city area to look for places. 2 weeks after missing this Hawthorn place, I snapped up a double storey house in an inner city area for much less and added to the portfolio again shortly.Then of course came the 2009-10 Melbourne boom. Since then I got addicted, and basically averaged around 1.5 properties a year. Made some capital growth here and there (including that first place) between 2009-2012. Then came the slump of course in 2012. I remember at the time some people (who knew I was holding a few places by now) telling me I should get out of the market, because it was going to fall on its knees as mining boom was ending and Australia was going blow up (all doom and gloom theory). Of course, they were right that property prices were weak at the time and there were places everywhere in Melbourne transacting for a bit - sometimes a lot - less than what they would've sold for in 2010/2011. This was luckily countered by some good wins on shares at the time as there was a mining/mining services prolonged 24 month dead cat bounce. Being reckless, rather than listening to my friends, I went out and geared up even more, did some even bigger buys buys with refinanced equity and some saved up salary (at that point I had a pretty high savings rate of some 80-90%). I started stepping out of my comfort zone and was doing buys so big I wouldn't even have considered only 6 months earlier. But then again, I thought what the heck, yields made sense and if things were really as bad as what everyone says, wouldn't rates come down? Probably because of luck more than anything else, things played out this way as we now know, except that the 2013/15 boom happened a lot faster than I expected. This year I hit the big 3 and with the benefit of the equity behind me, now have enough to live a modestly comfortable lifestyle, and have for some time replaced and surpassed my work income even if I simply cash out and collect share dividends or interest from the bank. Of course, this isn't my goal/intention and there are still a number of things I want to try to do. If you've gotten this far, thanks for reading. I used to be a lot more active in SS, but must admit have not been so here as other things in life (and websites) have taken over recently. Will hopefully come back in due time and update.