Oh, goodness.

But anyway, so the CBA, they said, yeah, no dramas.

Here's the loan.

Off you go.

And just trying to remember what it was.

I think it might have been $600 a month, I think it was, at the time for the car loan.

over five-year term as they mostly are and but i look back on that now i just think that's the biggest opportunity i had because if i took that six hundred dollars a month instead and had actually invested it and not even anything too crazy just a run-of-the-mill index fund over that five-year period and then kept that habit going for the next 10 years after that so 15 or 16 years i figured out i would have had like 300 000 bucks invested in a portfolio instead i now just have like good memories good memories of that car that car is now long gone but it's like you weigh that up and i think that sort of goes to say to like delayed gratification especially for a lot of younger people these days is like it's easier to build the assets first, then get the toys later rather than get the things you really want now, but then suffer for it down the track with your finances.

Don't do pump and

What other options have they got to use that equity?

Yeah, so the most common secondary option that we look at is equities, whether that's managed funds, exchange traded funds, or direct shares, purely because very similar to property in terms of the characteristics, you get capital growth and you can get income.

So instead of getting rental income, you get dividends or distributions, which is basically profits that companies pay to shareholders.

And then when the share price or the unit price of the investment goes up, you get capital growth.

So it operates very similar.

The thing that is interesting about those types of investments, though, is you can get a lot more diversification and less concentration risk.

So how I sort of frame that is if I buy one property as my investment in Nunda, That's my entire exposure is to that one asset in the one location, in the one site, in the one suburb.

Where does the mass go in terms of paying down 6%, investing into shares or paying into super, getting capital growth that way? What's the arithmetic for that? Yeah, one of my