We have only been working for about 7 years and investing for about 6 years. The first year at our jobs was spent in Melbourne adjusting to our new lives as working adults from being university students before that. We were learning how to cook more regularly, interact & work with colleagues in a new environment, study for a professional accounting accreditation on top of work and picking up basic financial skills such as budgeting and expense tracking. We had little cash savings and was just trying to survive our first year at work overseas after graduating, much less spend time and money on investing. It was after we finally got used to the routine in the second year that we considered investing some of our cash savings. From there, we spent the next 3 years doing basic investing in Australia and the 3 years after that doing less ......