Lifestyle Planning


As part of determining your lifestyle strategy, you need to consider the timeline for your home purchase and whether the home will be your next property purchase or delayed until further down the track.

If your next purchase will be an investment, then you should consider:

  1. How long you need to allow for your investment purchase(s) to provide a return.
  2. You may need to postpone the home purchase for many years.
  3. Delaying for up to seven to ten years to allow for market cycles.

A consideration may be to delay the next property decision and increase savings and cash flow. We call this the ‘Consolidation’ phase and it is the phase we are in most of our lives when you consider most people make three or less property decisions in their lifetime. Even if you exclude schooling, education and retirement you are largely saving and consolidating and only purchasing once every five to ten years in most instances. And by the way, most of us are not very good at something we only do once every five to ten years. Hence, why education and advice from experts is so important.

If you are ready to purchase, history suggests buying now, and buying well, as part of your Property Plan is a smart decision for your long-term financial wealth. Once you are clear on your big rocks, and none is bigger than the home, and place them in the jar, the sooner you can focus on property investment and simplify your future strategy.


David is the Founder and Managing Director of Property Planning Australia, author of ‘How to Succeed with Property to Create your Ideal Lifestyle’, co-author of ‘Property for Life – Using Property to Plan Your Financial Future’, co-host of the ‘Property Planner, Buyer and Professor Podcast’ and a widely-published media commentator. With more than 20 years of experience, David is passionate about educating others to make informed, and ultimately, more lucrative property investment decisions. David established Property Planning Australia in 2004 – with the vision to educate and empower Australians to make successful property, mortgage strategy and money management decisions.  Property Planning Australia’s operations have earned acclaim and national industry awards for its unique fusion of property planning, education, money management, mortgage strategy and risk management. All supported by multi award-winning customer service.

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