In this episode, we will discuss whether or not to spend on your first property.  Buying that dream home using joint income for a young couple is just lovely. But for an investment point of view, I'll strongly discourage it because it will just tie them down for the next 20 years. Imagine having one partner to work full time and have their entire salary to pay for the housing loan.  Not only that will cause huge financial burden, they will lose out on available business opportunities because they will by default reject any offers as they need the salary to cover for their installments every month.  Just for discussion, what if they buy a cheaper house? Or even rent their dream home. Then use their remaining quota to invest in properties that can generate rental incomes. In 15 years time, the results would be very different.  Again, there's no right or wrong. Just preference in lifestyle and risk appetite=)