Hi guys, I would like to start investing soon. I'm on a smaller wage (80k) so I need to think carefully and minimise risk. I'm currently saving 25k pa after tax. I have no debts at all. I'm on track to have 25 k in the can by about June, and 35k by the end of the year. I reckon at 35k I'll be able to get my first IP. My question is maybe it is worth waiting a bit longer? Say mid 2017 so I can buy the first IP and have a 15k buffer? Would you guys go in as soon as you can? Or wait for the buffer first? I've got a team and will be getting pro advice next month. But really wanted to put my situation to the hive mind first. Maybe you guys have better ideas of what to do with that 25k pa?