If I had access to this back in 2015 I wouldn't have had to pay 14'000 in LMI on my first house (Yeah, I wanted to save more (I had 44k, no other debt), sometimes life throws some extreme circumstances and its go time), I believe in personal responsibility for all and I would be in a better position now if I could have done that. I also know people who took out every cent of 10k x 2 in 2020, when the markets hadn't recovered yet, but we shouldn't be making rules to suit the lower or highest 10%.
