Lost

[audiology]

Hey all! Figured I'd give the whole 'opening up' thing a go and see how it makes me feel. Anyway I feel completely and unequivocally lost in life. I am 39 y/o, no partner, no kids, no assets, and what feels like no prospects. I've dealt with Major Depressive Disorder and Panic Disorder and GAD for the past 15 years - ever since I came down with a horrible case of chronic fatigue syndrome which stemmed from a bout of Ross River Fever. It truly feels like everything has been on a constant slide downhill ever since then. I was unable to work for a couple years upon first contracting it and since then it has impacted me one more time where I was off work for another 3 years - thankfully after each 'attack' I've bounced back enough to resume some form of full time or part time work. 

I've got an associates degree in psychology and work in the field as a mental health professional - only have about $60k in my super though unfortunately due to all the years I've missed off work while sick. I guess what I'm most depressed about atm is my future? I've already accepted that I'll never be a homeowner - certainly not in the absolute shitshow of our current market created by greedy corporate investors and corrup government. I currently live at home with my mum (as a matter of circumstance - I moved home initially a few years ago to help take care of my father as he was diagnosed with cancer and has since passed) so having a place to live atm is no issue - but when my mum inevitably passes in the next few years as well and my siblings choose to sell the property I will be without a place to live. Thankfully I'll receive 1/3rd of the proceeds - the town I live in though unfortunately is an example of the worst of the current housing crisis though and very rarely has any available rental properties - let alone affordable ones. Should I just invest in a fully decked out campervan with all the amenities I'd need to live? I've seen many posters in this forum openly discuss this very option before which is kind of what has caused the idea to pop into my head as of late. Anyway sorry for ranting and raving, just not sure of where else to turn atm.  

[randomxx]

Hi there op. lt sounds like through all that , your main concern is in getting a place of your own , which to me is a good thing really as it's only mainly that one thing.

And believe me, l know what the market like here and the crazy, l'm stuck in it myself right now after getting rid of my last place and not doing too well out of it.l'm also 20yrs older than yourself.

l took off caravanning 12 mths after leaving y place and l'm in the middle of browsing and tossing things up now. Long story but to me for you and your situation,  depends on your mums health and age l suppose to but 1/3 , if that was any time soon - sounds terrible l know sorry bout that don't know how else to put it buttttt,that wouldn't be too bad at all, just choose a different area.

You'd still have 20yrs of working life left and if you bought wisely, the last 10 of that would be pretty cruizy by then for your mortgage and in where your at.

Plus any savings, you could scrape through.

The capmpervan thing , depends again too on would that be you , or just necessity, l've met lots of people doing in in my travelsand some really love it but others not so much. l could actually myself tbh, l've absolutely loved the life and many a time wondered why l even bothered with a house before. Buttt, here l am now and l would like something simple again now, a base and place to be home.

But that's just me. Met people vanning 2 yrs, 5yrs, 10 even 20yrs and wouldn't choose anything else, it's such an individual thing.

In whatever you did though perhaps in your line of work you could build up a client base and just work from home if that was your thing.that's not everyone's thing though but an option later on maybe.

Anyway, just some thoughts.

Good luck with it all.

rx

[Illbeok]

Have you checked out the Help to Buy Scheme? I think it's something Albanese recently rolled out. I think it's a bit like shared equity, so you don't own the 100% of the house but you can live in it, and you need to be an Australian citizen and have to be a person with low income. Sorry if this is a useless info.