1. Being more than 10 years older than you, I try not to think too much about what could have been, and just be grateful we’ve discovered the principles of PF when we did (but… the compound interest only kicks in after 10-15 years, and that’s all we have left. Darn earlier me!) No matter what, we have to be in a better position than an equal couple who continued on our old trajectory.

    I love the MoneySmart website as well. I’ve used that for at least 3 years to help figure out how much I wanted to salary sacrifice into super. I also downloaded their cars app that shows monthly costs for buying and owning a vehicle. Eye-opening!

    • pia

      I say that a lot as well: “Darn, earlier me!” I’m not sure if there’s more education available now or I am just more aware of it. But you are right – no matter when we started, the most important part is that we started. I can’t wait till the today of perhaps 10 years from now to see where we have all gotten to – it’s such an exciting journey!

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