Hey Karl, overall goal is to be in a better financial position than I am now... I have 3 kids and don't own a house yet.
Saving for a house has held me back from investing... I always wanted to own a house before taking the risk... But that's just going to take too many years. So I have taken some cash from savings and taken the risk. I am still saving for a house though, not all my eggs are in stocks.
I work 2 days a week... Unless I go back to Uni and study (again) to complete a Master to do School Counselling (I can then work school hours and holidays) I cannot see how I can work full time in the next 10 years with the children. I really don't want to study again and I really don't want more HECS debt.
I realise this post makes me sound like a single parent, I'm not... I just hate relying on anyone or trusting that everything will be rainbows and lollipops in the future. It's just too naive.
