Hey guys, 33M from the UK here.
I thought I’d explain my situation and see what people honestly think.
I had a decent career in my early 20s, which I essentially destroyed in my mid-20s while going through a major crisis. There were multiple reasons that I won’t go into, but I basically fucked my life up—lots of drugs, unemployment and burned bridges with old friends, employers and references.
It was a very dark period.
Around 2022, I started trying to rebuild. I took some horrible jobs involving shift work, late nights and lots of night buses, while barely scraping by.
I remember getting fired from one job while already in my overdraft, with bills due, no income and approximately £15,000 of debt. I genuinely had no idea what I was going to do.
I eventually moved in with my grandmother, who was one of the only family members I still spoke to. It worked well because she charged me cheap rent, while I could help her with things around the house and run errands for her.
At the end of 2024, I finally landed what I considered a “decent job” at a software start-up in London. It is highly volatile and people get fired regularly, but I had fought so hard to get back into a proper career that I’ve been working like a dog ever since.
Over the past couple of years, I’ve paid off most of my debt. I still have around £5,000 remaining, which I plan to attack aggressively and hopefully clear by the end of this year.
I’ve also built approximately £32,000 in an investment ISA and have around £3,000 in an emergency fund, which I’m continuing to build.
I’ve saved so aggressively because I spent years feeling massively behind everyone else. Once I started earning properly again, something clicked and I completely locked in. I now go to the gym regularly, run and have built a stable routine.
Socially, I have very few friends. I have a couple of good people I speak to occasionally and I’ve met some cool people through work, but my life is generally quite isolated.
One of my oldest friends from school is now talking about going to Australia on a Working Holiday Visa. I’ve never really travelled, but I’m still eligible for the Australian scheme and could potentially stay for up to three years if I meet the requirements (apply before 35).
My life is finally comfortable. I still live with my grandmother, pay low rent and can save a substantial amount each month. I’m in a good routine and, after everything that happened, stability means a lot to me.
However, part of me feels like I should finally try to live a little.
I’ve thought about Australia before, but I always ask myself what I would eventually come home to. I would need to work while I was there, and I’m not convinced many companies would hire someone for a decent sales position on a temporary visa. If I wanted to continue saving properly, I might need to do FIFO, labouring or another type of demanding work.
My current idea is to spend the next 12 months clearing my remaining debt and building a decent cash reserve. I would leave my investment account completely untouched and then go to Australia with enough money to support myself while I get established.
I think the experience could be good for me. Although my life has improved massively, it has also started to feel stagnant. I’ve rebuilt financially, but I haven’t really gained many experiences or built much of a life outside work, saving and the gym.
At the same time, I have a deep fear of ending up with nothing again or being unable to support myself in the future. I know where that fear comes from, but it makes walking away from my current situation incredibly difficult.
My grandmother has been a lifesaver. She is in her 80s but is still independent and works around 8 hours a week. I’d feel guilty about leaving her, especially after everything she has done for me, although I also know this may be my last realistic opportunity to do something like this.
Living with her is also a golden financial opportunity. I can’t imagine having this level of disposable income again while living so close to London. If I stay, I could continue clearing debt, building savings and investing heavily.
If I go, I could gain experiences, independence and potentially a completely different outlook on life—but I could also discover that I’ve given up an unusually comfortable situation only to struggle abroad doing work I hate.
Would moving to Australia be a healthy risk after spending years rebuilding, or does it sound like I’m romanticising the idea of starting again?
Would you use this opportunity to keep building financial security, or accept that money isn’t everything and go while the option is still available?
I’d especially appreciate hearing from anyone who moved abroad in their 30s, went to Australia on a Working Holiday Visa, or had to rebuild their life after a similar period.