u/Joeblack9888

Alright so I’m 16, currently in Year 11 in Sydney. I’ve decided I’m dropping out after this year to pursue an electrical apprenticeship. Before anyone says anything hear me out because I’ve actually thought this through properly.

The plan:

I do my 4 year apprenticeship, living at home the whole time keeping expenses minimal. Wages are rough early but by year 4 I’m on decent money. I qualify around 21-22, work locally for a year or two to build solid experience, hitting around $85-90K. Stay at home, save aggressively — about $4K a month and get $50K into an index fund like VGS or IVV.

Then at around 23 I go FIFO for 2 years. Earning $160-180K with basically zero expenses since accommodation and food are covered on site. Walk away with $280-300K total saved, dump the bulk straight into index funds.

Come home at 25, go ABN electrical contractor earning $120-140K, rent a decent place, keep contributing $1-2K a month to index funds. Super compounding in the background on top of everything.

Starting with $300K invested at 25, contributing $1-2K monthly at 10% average return:

•	At 30: \~$300K+

•	At 40: \~$1M+

•	At 50: \~$3M+

•	At 65: potential $13M+

Super adds another $1-2M on top of that by retirement.

At that point dividends alone around 2-4% on a multi million dollar portfolio could be $100-300K a year just landing in my account quarterly without touching the principal. I could genuinely retire off that. Soo yeah anything i should be aware of