With rising property prices and stagnant wages, homeownership has become increasingly unaffordable for many Australians. Purchasing a home in a major capital city often means taking on a significant mortgage, with repayments coming out of after-tax income—leaving little room for financial flexibility and lifestyle enjoyment. On the other hand, investment properties offer an alternative path, allowing buyers to build wealth while maintaining their current living situation. Understanding the financial impact of both options is crucial in making the right decision. Should you focus on owning your home or building a property portfolio? Explore the pros and cons to determine the best strategy for your financial future.