40&80
I agree. I know many here who stay away from property and spend their tax free earnings on fast cars and faster women, boats and brunches, maids and manicures, pets and pedicures. The latest toys for the kids, the latest toys for them, fancy holidays and fancy food. 10 years later..... a crap provident fund and nothing much else.
Then there are those that took the chance and are now sitting pretty on considerable equity thanks to all that money that 'rolled in'.
As you say, life is full of choices. Amen for that.