Wings I have some questions for you.
You say that when you joined RBA you had to pay off a 757 Rating ,wife and two children. How much did the wife and two children cost you????
You then went on to say that you joined with nothing. Do your wife and two children know that is what you think of them???
You then go on to say you have 4 houses. What is their value and what outstanding loans do you have on them???
Also as RBA have not had a payrise for years then when you joined the salary was obviously OK but even you looking through your rose tinted spectacles must agree that property prices and all other prices have increased hugely since you joined.
I also presume that RBA have service increments which mean your salary is a lot higher than new joiners??
The exchange rate for £stg to Sin Dollars and Brunei is another huge change for the worst as well which needs to be taken into account by newcomers.
I prefer to listen to people like COWPAT for the real story of RBA