Project engineer Emma Challands would like to be in a position to retire before 40. That doesn't necessarily mean she will - she loves her job in building and is studying for a masters in construction management to further her career - but her financial goals are clear.
''In a nutshell, my plan over the next 10 years is to buy basically two properties every year,'' she says.
She already has one investment property and is looking at buying another in the middle of next year. Emma plans to sell half her portfolio of properties as she goes, to pay off debt and use the rent as a passive income stream. You can read about her progress here mypropertyjourney.com/about/.
''I think the main reason I got interested in property was my dad does development as a bit of a hobby,'' she says.
Developing might be on the cards but for now Emma wants to know if her income-based strategy will work.
''My main focus is the western suburbs of Melbourne - still in close proximity to the city but obviously a lot lower in price,'' she says.