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@inhisarms17 Reading your title and the last bit of your post, it seems like you are really facing two conundrums; You want to buy a house and be in a good position to be able to do so in a could of years And You want to travel and experience living overseas because you do not want to miss...

@inhisarms17 Your figures shouldn't include kiwisaver, just let that be a little nest egg and continue to grow. You're on a pretty good salary atm, do you reckon that if/when you come back you'll be able to find an equal or better role?