I'm sorry but you pay more in tax than I make in income! This sounds like your lifestyle creep has chewed up your money stream. Despite my significantly lower income, I manage to own my house in Melbourne. With your income I could have it paid down in a few years at most.

Well done, good planning, good self-discipline!

I'm in a similar boat, and can relate to the on-going management and suppression of lifestyle creep in order to reach worthwhile goals. It feels like a never-ending battle, even after 20 years.