I guess the idea is to diversify into other income streams.
eg.
- have a side business based on your prev career (if applic)
- invest in property! the negative gearing will definitely help esp if you do an income tax variation (ie. you get your refund paid monthly via reduction of your normal PAYG rather than wait for it in July). thats how a lot of people who work for govt (on lower salaries ie. $50k - $60k) own a lot of property!