Financial Independence (Home Ownership, Super, Long Retirement) not possible for wage earners: What do we need and how do we get it?

for how long ??

land rates and other taxes will rise in one way or another , other services will rise in parallel to rising business costs

a lot of durable goods bought in current times aren’t as durable as their predecessors

$3 million now might seem extreme ( to inflation ignorant Leftoids ) but if your investment returns barely keep pace with real inflation $3 million is liable to become pocket change in say 10 to 15 years time

remember half the home owners in the east coast capital cities have become millionaires simply by paying out their mortgage , local and state fees and charges will rise in parallel to those rising valuations , so eroding your investment returns